IMBER HOLDINGS LTD

Executive Summary

IMBER HOLDINGS LTD is financially robust with exceptional liquidity and a strong equity base, reflecting a healthy and stable holding company structure. The company’s financial vital signs show no distress, and its future outlook is positive, supported by prudent cash management and profitable subsidiaries. Continued vigilance on subsidiary performance and governance will help sustain this strong financial health.

IMBER HOLDINGS LTD - Analysis Report

Company Number: 14848490

Analysis Date: 2025-07-29 17:28 UTC

Financial Health Assessment for IMBER HOLDINGS LTD (As of 31 March 2024)

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1. Financial Health Score: A

Explanation:
IMBER HOLDINGS LTD demonstrates a strong financial position with a substantial cash balance relative to its short-term liabilities, resulting in a very healthy liquidity profile. The company's net assets and shareholders' funds are robust, indicating solid equity backing. The absence of debt beyond current liabilities and the company's exemption from audit due to size suggest simplicity and clarity in its financial structure, enhancing transparency.

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2. Key Vital Signs

Metric	Value	Interpretation
Cash at Bank	£1,000,102	Exceptionally healthy cash flow; the company has strong liquidity to meet obligations and invest.
Current Liabilities	£51,323	Very low short-term debts relative to cash available — strong short-term financial health.
Net Current Assets	£948,779	Positive working capital; company can easily cover short-term liabilities with current assets.
Net Assets (Equity)	£948,780	Strong equity base; no indication of financial distress or insolvency risk.
Share Capital	£2	Minimal issued share capital, typical for holding companies; most equity is retained earnings.
Employee Count	1 (Director only)	Very low operational overhead, consistent with holding company status.
Investments	£1 (Group undertakings)	Reflects investment in subsidiaries; minimal fixed assets otherwise.

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3. Symptoms Analysis

• Liquidity ("Healthy Cash Flow"): The company holds over £1 million in cash with only £51k in current liabilities, showing excellent liquidity and no immediate cash flow concerns. This "healthy pulse" indicates the company can fund operations and obligations comfortably.
• Capital Structure: Net assets nearly equal to cash reserves indicate minimal debt beyond current liabilities, suggesting a strong capital structure without leveraged risk.
• Operating Activity: As a holding company, operational cash generation is not the primary focus; rather, the financial support and management of subsidiaries (notably Imber Enterprises Ltd) is the key role.
• Profit & Loss Visibility: The company is exempt from audit and does not file a profit and loss statement due to small company exemptions. However, the subsidiary Imber Enterprises Ltd reports substantial profits, indicating underlying business profitability.
• Governance & Control: Single director and majority ownership by Ms. Lynn Timcke and Imber Enterprises Ltd indicates centralized control, which can streamline decision-making but requires robust governance to avoid concentration risks.

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4. Diagnosis

IMBER HOLDINGS LTD is in excellent financial health, exhibiting no symptoms of distress. The company operates as a holding entity with strong liquidity and equity buffers. The financial "vital signs" demonstrate stability and resilience, underpinned by a strong cash position and minimal liabilities. The company’s financial structure is straightforward and sound, suitable for its strategic purpose of holding investments.

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5. Prognosis

Given the current financial indicators, the outlook for IMBER HOLDINGS LTD is very positive. The company’s strong liquidity and equity base provide a solid foundation for future growth or additional investments. Continued prudent management of liabilities and maintaining healthy cash reserves will help sustain financial wellness.

Potential risks include dependence on the performance of subsidiaries and concentrated ownership, which should be monitored to mitigate strategic risks.

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6. Recommendations

• Maintain Strong Cash Reserves: Continue to preserve liquidity to ensure operational flexibility and buffer against unforeseen expenses.
• Monitor Subsidiary Performance: As the company's financial health is linked to its subsidiaries, regular financial and operational reviews of these entities are essential.
• Strengthen Governance: Consider formalizing governance practices to manage risks related to concentrated ownership and control.
• Plan for Growth: With solid financial footing, explore opportunities for strategic investments or diversification to enhance long-term value.
• Ensure Timely Filings: Maintain compliance with Companies House filing deadlines to avoid penalties and uphold corporate reputation.

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