MICK LAMACRAFT PLANNING CONSULTANCY LTD

Executive Summary

MICK LAMACRAFT PLANNING CONSULTANCY LTD exhibits solid early-stage financial health with positive working capital and growing net assets, indicating a stable and liquid position. The company shows no symptoms of financial distress and benefits from a clear control structure and compliance status. Continued prudent financial management and building reserves will support sustained growth and resilience.

MICK LAMACRAFT PLANNING CONSULTANCY LTD - Analysis Report

Company Number: 13799826

Analysis Date: 2025-07-29 18:27 UTC

Financial Health Assessment of MICK LAMACRAFT PLANNING CONSULTANCY LTD

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1. Financial Health Score: B

Explanation:
The company demonstrates a sound and improving financial position for its size and age. It is a micro-entity with modest but positive net assets and working capital growth. While it is not yet robustly capitalized or generating large reserves, its financial "vital signs" indicate a stable and "healthy pulse" with no immediate symptoms of distress. The company is small and early stage, so the B grade reflects solid foundations with room for strengthening.

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2. Key Vital Signs

Metric	2024 Value (£)	Interpretation
Current Assets	23,127	Healthy increase from prior years, indicating growing liquid resources (cash/debtors).
Current Liabilities	12,103	Manageable short-term obligations; increased but proportionate to assets.
Net Current Assets (Working Capital)	11,024	Positive working capital suggests liquidity to cover short-term debts—"healthy cash flow".
Net Assets (Equity)	10,712	Growth from £395 in prior year to £10,712 shows accumulation of value and retained earnings.
Share Capital	2.00	Minimal share capital typical for micro companies; equity built mainly from retained profits.
Employee Count	2	Small workforce consistent with micro-entity size and business model.

Additional Context:

• The company is classified as a micro-entity, with filing and reporting reflecting this scale.
• No overdue filings or compliance issues noted.
• Directors have clear control, with Mr. Michael Lamacraft holding majority voting rights and control.
• The business operates in management consultancy (SIC 70229), a sector with typically low fixed asset requirements but reliant on intellectual capital.

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3. Diagnosis

MICK LAMACRAFT PLANNING CONSULTANCY LTD shows the financial "vital signs" of a young, growing consultancy firm that is maintaining liquidity and building equity steadily. The significant increase in current assets and net assets over the last financial year reflects improved operational cash flow and profitability, even though detailed profit and loss figures are not publicly filed (common for micro-entities).

The company’s positive working capital—a key symptom of short-term financial health—indicates it can meet its short-term obligations comfortably, reducing risk of liquidity distress. The increase in net assets from under £400 to over £10,000 signals that the company has been able to retain earnings or increase its resources, which is a positive "recovery" from its initial start-up phase.

There are no red flags such as high leverage, negative equity, or overdue filings, which often signal financial distress. The company’s small scale and limited share capital are typical and not a concern at this stage but suggest the business is still in an early growth phase rather than maturity.

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4. Recommendations

To ensure sustained financial wellness and prepare for growth or potential risks, the company should consider the following actions:

1. Maintain Strong Working Capital Management:
   Continue monitoring receivables, payables, and cash flow carefully to avoid liquidity crunches. Healthy working capital is the “heartbeat” of short-term survival.

2. Build Financial Reserves:
   Gradually increase retained earnings and net assets to create a financial buffer against unexpected downturns or investment needs.

3. Consider Formal Profit & Loss Reporting:
   Although exempt, providing a P&L report internally can help management diagnose profitability trends and cost control—akin to a full diagnostic check-up.

4. Plan for Growth Investment:
   If expansion is intended, evaluate the need to increase share capital or secure financing to strengthen the balance sheet. This will prepare the company for scaling without compromising financial health.

5. Monitor Industry and Market Risks:
   Management consultancy can be sensitive to economic cycles; maintaining a diversified client base and adapting service offerings can mitigate business risk.

6. Regular Financial Reviews:
   Conduct periodic financial health check-ups to catch early symptoms of distress and adjust strategy proactively.

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