MINDERA CONSULTING LIMITED

Executive Summary

MINDERA CONSULTING LIMITED exhibits a healthy financial condition with strong liquidity and positive net assets, indicating sound short-term and equity positions. While current financial data is promising, updating accounts and enhancing financial transparency will be crucial as the company grows. Maintaining healthy cash flow and strengthening financial controls are recommended to ensure sustained financial wellness.

MINDERA CONSULTING LIMITED - Analysis Report

Company Number: 12719442

Analysis Date: 2025-07-20 18:47 UTC

Financial Health Assessment of MINDERA CONSULTING LIMITED

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1. Financial Health Score: B

Explanation:
MINDERA CONSULTING LIMITED demonstrates a generally sound financial position with strong working capital and net assets relative to its size and stage. The company maintains positive net current assets, healthy cash reserves, and no overdue filings. However, limited data beyond the 2021 financial snapshot restricts full assessment of recent performance and trends. The "B" grade reflects solid foundational health with room for improvement in financial transparency and updated results.

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2. Key Vital Signs

Metric	Value (as of 31 July 2021)	Interpretation
Current Assets	£407,603	Healthy buffer of short-term assets including cash and receivables to cover immediate obligations.
Cash at Bank	£311,303	Strong cash position indicating good liquidity, a vital sign of healthy cash flow.
Current Liabilities	£252,661	Obligations due within one year; manageable considering current asset levels.
Net Current Assets (Working Capital)	£154,942 (calculated)	Positive working capital suggests the company can comfortably meet short-term debts.
Net Assets / Shareholders Funds	£156,438	Reflects accumulated retained earnings and equity cushion; positive net worth is reassuring.
Share Capital	£6.00	Nominal share capital typical of small private companies; does not directly impact financial health.
Audit Exemption	Yes	Small company regime indicates a relatively simple financial structure.
Company Status	Active	Company is operational without signs of distress such as liquidation or administration.
Filing Status	Up to date	No overdue accounts or confirmation statements, indicating compliance and good governance.

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3. Diagnosis

The financial "vital signs" of MINDERA CONSULTING LIMITED portray a company with a robust liquidity position and positive net assets. The significant cash reserves (£311k) form a vital organ of financial health, providing the company with the flexibility to cover liabilities and invest in growth.

The positive net current assets (working capital) are indicative of a healthy short-term financial condition, meaning the company is not showing symptoms of cash flow stress or liquidity shortages. The modest fixed assets (£1,847 net book value) align with a consulting business model that relies more on intellectual capital than physical assets.

The small share capital of £6 is typical and not a concern given the equity represented by retained earnings. No audit requirement reflects the company's size but also means limited external scrutiny; this is a note to monitor as the company grows.

The presence of multiple significant controllers, including Mindera Holdings Limited owning 75-100% of shares, suggests a clear ownership structure, reducing risks of control disputes.

However, the latest detailed financial data is from July 2021, and while filings are current, updated financial reports are needed to assess recent performance, especially considering the company was incorporated in 2020 and likely evolving rapidly.

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4. Recommendations

• Update Financial Reporting: Ensure the latest accounts beyond July 2021 are prepared and filed promptly to provide stakeholders with current financial insights. This will improve transparency and confidence in financial health.

• Maintain Healthy Cash Flow: Continue to monitor cash reserves and manage receivables/payables to sustain liquidity. Healthy cash flow is the lifeblood of the business.

• Strengthen Financial Controls: As the company grows, consider moving beyond audit exemption to voluntary audits or external reviews. This adds an additional layer of financial hygiene and early detection of issues.

• Plan for Growth Capital Needs: With a relatively low share capital, explore options for additional equity or debt financing if expansion plans require more substantial funding.

• Monitor Key Ratios Regularly: Track liquidity ratios (current ratio), profitability margins, and leverage to catch early symptoms of financial distress.

• Governance and Compliance: Maintain timely filing of accounts and confirmation statements to avoid penalties and preserve corporate reputation.

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