H. BUTTERFIELD TRUSTEE LIMITED

Executive Summary

H. Butterfield Trustee Limited is a very new company with minimal financial resources and activity, reflected in its low cash and net current assets. While compliant with filings, it currently operates at a fragile financial state typical of a startup. To improve financial health, the company should focus on increasing working capital, commencing trading, and enhancing financial transparency.

H. BUTTERFIELD TRUSTEE LIMITED - Analysis Report

Company Number: 14616052

Analysis Date: 2025-07-29 16:58 UTC

Financial Health Assessment Report: H. BUTTERFIELD TRUSTEE LIMITED

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1. Financial Health Score: D

Explanation:
The company is in its infancy (incorporated in 2023) with very minimal financial activity. The balance sheet shows extremely low cash and net current assets (£103 and £3 respectively), and the shareholders’ funds are also nominal (£3). While there are no signs of insolvency or overdue filings, the financials indicate a lack of operational scale and limited financial resources. This grade reflects the “newborn” state of the company that has yet to develop a robust financial base or cash flow.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Cash at Bank	103	Critically low liquidity; akin to a patient with very low vital fluid levels.
Net Current Assets	3	Virtually no working capital; barely enough to cover short-term obligations.
Shareholders Funds (Equity)	3	Minimal equity base; company has not accumulated profits or external capital infusion.
Creditors (Current Liabilities)	100	Small liabilities, but almost equal to cash, indicating tight liquidity.
Employees	0	No staff employed; company likely not trading actively.
Filing Status	Up to date	No overdue accounts or confirmation statements; good compliance health.
Size Category	Micro	Smallest company size with minimal filing requirements.

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3. Diagnosis

The financial “symptoms” reveal that H. Butterfield Trustee Limited is a very recently formed company with negligible trading activity and minimal financial resources. The balance sheet is essentially “flatlined” with tiny cash balances just covering creditors. The absence of employees and the choice of Total Exemption Full accounts suggest the company is currently dormant or in a setup phase rather than actively trading.

The company’s SIC code (46130 - Agents involved in sale of timber and building materials) indicates a business sector that often requires working capital for stock and receivables, yet the financials show no such assets. This could mean the company is either holding back from trading or operating on a very limited scale.

The directors include an accountant and a manager, which bodes well for governance and financial oversight, but the current financial health is fragile. The lack of a profit and loss account in the financial statements further limits the ability to assess operational performance.

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4. Recommendations

• Increase Working Capital: The company should consider injecting additional capital or securing short-term financing to build a healthy cash buffer. This will improve liquidity and enable operational activities without immediate financial stress.

• Commence Trading Activities: If not already doing so, begin actual business operations to generate revenues. This will help build up retained earnings and improve shareholders’ funds.

• Maintain Compliance: Continue timely filing of accounts and confirmation statements to avoid penalties and maintain good standing.

• Develop Financial Reporting: Start preparing and submitting profit and loss accounts to provide a more transparent view of business performance. This is critical for attracting investors or credit.

• Monitor Cash Flow Closely: Implement strict cash flow management to avoid the “symptom” of cash starvation that can lead to operational shutdown.

• Strategic Planning: Directors should develop a clear business plan and financial forecast to set growth targets and funding requirements.

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Summary

8. Butterfield Trustee Limited is a newly incorporated micro-entity with minimal financial activity, showing signs of a company still in its incubation phase. Its current financial position is fragile, with very low cash and working capital, but it remains compliant with filing requirements. Focus should be on capital infusion, commencement of trading, and building operational scale to improve financial health.