FOX AND BEAU LTD

Executive Summary

Fox and Beau Ltd is a small, active private limited company with minimal net assets and narrowly balanced working capital, which elevates medium-level solvency and liquidity risk. The company maintains compliance with filing obligations but shows limited financial buffer and operational scale. Further investigation into cash flow management and business growth plans is recommended to clarify ongoing viability.

FOX AND BEAU LTD - Analysis Report

Company Number: 12734189

Analysis Date: 2025-07-20 19:07 UTC

1. Risk Rating: MEDIUM

The company shows only marginal net assets (£206 at 31 July 2024) and current liabilities (£6,041) close to current assets (£6,247), indicating a tight working capital position. This limited buffer increases solvency and liquidity risk, though no overdue filings or insolvency indicators are present.

2. Key Concerns:

• Tight liquidity: Cash balance is low (£1,442), and current liabilities nearly match current assets, suggesting limited cash flow flexibility.
• Low net asset base: Net assets have increased only modestly over time and remain minimal relative to liabilities.
• Reliance on directors: Only two directors who are also managing directors and shareholders, which may raise governance and operational concentration risks.

3. Positive Indicators:

• Up to date statutory filings with no overdue accounts or confirmation statements.
• The company operates under a small company exemption, reflecting modest scale and compliance with reporting requirements.
• Stock levels increased to £4,000, potentially indicating inventory build-up consistent with business growth.

4. Due Diligence Notes:

• Investigate the nature and timing of creditor payments and accruals to assess liquidity management.
• Review cash flow forecasts and working capital cycle to understand operational sustainability.
• Examine directors’ plans for capital injection or financing to support growth and mitigate solvency risk.
• Assess customer base and sales trends given the company operates in specialised retail sectors (furniture and textiles).