I NONO LTD

Executive Summary

I NONO LTD is financially stable with healthy liquidity, positive working capital, and consistent shareholders’ funds, indicating good short-term financial health. Improvements in cash reserves and debtor management are positive signs, though monitoring rising liabilities and enhancing profitability transparency are key next steps for sustained financial wellness.

I NONO LTD - Analysis Report

Company Number: 14502588

Analysis Date: 2025-07-29 12:51 UTC

Financial Health Assessment for I NONO LTD

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1. Financial Health Score: B

Explanation:
I NONO LTD demonstrates a stable and solvent financial position with healthy liquidity and positive net current assets. The company has maintained consistent shareholders’ funds and a positive working capital position over the past two years. The absence of audit requirements and small company accounting standards suggest a micro or small-sized company profile. However, limited profit and loss detail and relatively modest cash reserves compared to some industry peers suggest room for growth and strengthening of financial resilience.

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2. Key Vital Signs

Metric	2024 (£)	2023 (£)	Interpretation
Current Assets	28,264	25,404	Slight increase indicates improving short-term asset base, supportive of operational needs.
Cash at Bank and in Hand	22,443	12,558	Healthy increase in cash reserves showing improved cash flow and liquidity ("healthy pulse").
Debtors	5,821	12,846	Significant decrease in receivables, indicating improved collections or reduced credit risk.
Current Liabilities	11,562	8,476	Increase in liabilities warrants monitoring but remains comfortably covered by current assets.
Net Current Assets (Working Capital)	16,702	16,928	Stable positive working capital signifying ability to meet short-term obligations ("stable heartbeat").
Shareholders’ Funds	16,702	16,928	Equity base remains steady, reflecting sustained net asset value and no signs of distress.
Number of Employees	2	3	Small workforce consistent with micro/small company status, indicating lean operations.
Turnover	(Not disclosed)	(Not disclosed)	Lack of turnover data limits full revenue health assessment; however, positive net assets offset this gap.

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3. Diagnosis

Overall Financial Condition:
I NONO LTD is in a financially stable condition, displaying a "healthy pulse" of cash with rising cash balances and sound liquidity to cover current liabilities. The company’s net current assets remain positive and steady, suggesting it can comfortably meet short-term obligations without financial strain—an important "vital sign" indicating operational stability.

The reduction in debtors is a positive "symptom" showing effective credit control or a change in business mix, reducing the risk of bad debts. However, the increase in current liabilities suggests some growth or increased operational costs that should be monitored to avoid potential liquidity stress.

The company benefits from the limited complexity of a micro/small-sized business regime but lacks detailed profit and loss information which restricts a deeper view of profitability and operational efficiency. The absence of audit and abridged accounts reflects standard practice but means some financial "symptoms" may be underreported.

The company's ownership is closely held, with two directors holding significant control and directorships, indicating clear governance but also concentration risk.

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4. Recommendations

To maintain and improve financial wellness, the following actions are advised:

• Enhance Profitability Transparency:
  Consider providing more detailed profit and loss disclosures to better diagnose income streams and cost structures, enabling timely identification of any emerging financial "symptoms" such as declining margins.

• Monitor and Manage Liabilities:
  Keep close watch on the growth in current liabilities to prevent liquidity strain. Negotiate favorable payment terms or reduce short-term debt where possible to maintain a strong working capital "heart rate."

• Strengthen Cash Flow Management:
  Continue focusing on efficient debtor collections to maintain or improve cash balances. Healthy cash flow is critical for operational resilience and funding growth initiatives.

• Plan for Growth and Investment:
  With a stable financial base, evaluate opportunities for measured growth, perhaps through investment in assets or staff, to avoid stagnation and ensure long-term financial "vitality."

• Risk Management:
  Given the concentrated ownership, consider succession planning and governance diversification to reduce business continuity risk.

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