MAMAN MOBILE CHEF LTD

Executive Summary

MAMAN MOBILE CHEF LTD maintains a stable but modest financial position with positive working capital and equity, reflecting a healthy but fragile financial state typical of a micro enterprise in its early years. The company should focus on strengthening cash reserves and expanding its equity base to improve resilience and support growth. Careful management of liabilities and proactive financial planning will be key to its future financial wellness.

MAMAN MOBILE CHEF LTD - Analysis Report

Company Number: 13451828

Analysis Date: 2025-07-29 18:01 UTC

Financial Health Assessment for MAMAN MOBILE CHEF LTD as of 30 June 2024

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1. Financial Health Score: C

Explanation:
The company demonstrates a modest but stable financial position typical of a very small enterprise in its early stages. It shows positive working capital and net assets, indicating no immediate distress, but the very thin equity base and low cash reserves suggest limited financial cushion and potential vulnerability to unexpected expenses or disruptions. This score reflects a business that is "alive" but still fragile, requiring careful financial management to strengthen its resilience.

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2. Key Vital Signs

Metric	2024 Value (£)	Interpretation
Cash at Bank	6,596	Positive cash on hand is a "healthy pulse", but the amount is low for operational flexibility.
Current Liabilities	5,426	Short-term obligations are manageable but close to cash levels, indicating tight liquidity.
Net Current Assets	1,170	Positive working capital ("breathing room") but minimal buffer to cover short-term debts.
Net Assets	1,170	Equity position is positive but very small, showing limited accumulated capital.
Share Capital	100	Very low initial capital, typical for micro businesses, but limits financial strength.
Profit and Loss Reserve	1,070	Retained earnings show modest profitability or retained surplus over the years.
Employee Count	1	Single-employee operation, indicating a lean structure but potential operational limitations.

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3. Diagnosis: Financial Condition Overview

MAMAN MOBILE CHEF LTD exhibits signs of a micro-sized business in its early development phase. Key "vital signs" such as positive net current assets and net equity indicate the company is not showing symptoms of financial distress like insolvency or negative working capital. The cash flow appears stable but limited, akin to a patient with a weak but steady heartbeat.

The company’s liabilities are mostly tax and social security obligations, which have increased year-over-year in line with business growth, suggesting operational activity but also an increasing financial burden. The minimal cash buffer means the business could struggle with unexpected costs or delayed receivables, indicating a need for improved liquidity management.

The absence of fixed assets and reliance on a single director-owner points to a business at an early stage, with limited scale and financial depth. The sole director's control over 75-100% shares and voting rights aligns with a typical founder-led small enterprise.

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4. Recommendations: Steps to Improve Financial Wellness

• Strengthen Cash Reserves:
  Aim to build a larger cash buffer to ensure smoother operations during revenue fluctuations or unexpected expenses. This could be achieved by improved cash flow management, negotiating better payment terms with suppliers, or accelerating receivables.

• Expand Equity Base:
  Consider injecting additional capital or retaining more profits to increase shareholders’ funds, providing a stronger financial foundation and creditworthiness.

• Monitor and Manage Liabilities:
  Keep a close eye on tax and social security liabilities to avoid surprises. Plan payments to avoid cash crunches and explore any available reliefs or deferrals during challenging periods.

• Explore Growth Opportunities:
  Given the micro scale, cautiously pursue new contracts or markets to increase turnover and profitability, which will improve financial metrics over time.

• Maintain Compliance and Reporting:
  Continue timely filing of accounts and confirmation statements to avoid penalties and maintain good standing, which supports business credibility.

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Medical Analogy Summary

MAMAN MOBILE CHEF LTD currently shows a "steady but fragile heartbeat" with positive but minimal financial reserves. Its "vital signs" imply no immediate threat of collapse, but the company is like a patient with low energy reserves—requiring careful financial "nutrition" and monitoring to build resilience and thrive.

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