MULTIQUOTER LIMITED

Executive Summary

Multiquoter Limited demonstrates strong financial health with robust liquidity, growing equity, and effective working capital management. The company’s cash reserves have nearly doubled in a year, indicating healthy cash flow and operational stability. With no signs of financial distress and solid profitability growth, the outlook remains positive, though continued prudent financial management is advised to sustain this trajectory.

MULTIQUOTER LIMITED - Analysis Report

Company Number: 13460896

Analysis Date: 2025-07-20 12:51 UTC

Financial Health Assessment Report for MULTIQUOTER LIMITED
As of Financial Year Ending 30 June 2024

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1. Financial Health Score: A- (Strong)

Explanation:
MULTIQUOTER LIMITED exhibits robust financial health characterized by strong liquidity, growing net assets, and sound working capital management. The significant increase in cash reserves and positive net current assets suggest a "healthy cash flow" condition. Minor areas such as manageable long-term creditors indicate typical business financing rather than distress. The company is financially sound with a solid equity base and no overdue filings, meriting a high-grade assessment.

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2. Key Vital Signs (Core Financial Metrics & Interpretation):

Metric	2024 Figure	Interpretation
Cash at Bank	£201,822	Excellent liquidity; cash almost doubled from prior year, indicating strong operational cash flow.
Current Assets	£209,292	Healthy short-term asset base, primarily cash and debtors.
Current Liabilities	£30,594	Low short-term obligations relative to assets; easily covered by current assets (Current Ratio ≈ 6.8).
Net Current Assets (Working Capital)	£178,698	Strong working capital indicates good short-term financial health, no liquidity stress.
Net Assets (Equity)	£164,298	Equity more than doubled from prior year, showing retained earnings growth and capital stability.
Share Capital	£100	Minimal share capital; company value is driven by retained earnings/profits.
Long-Term Creditors	£14,400	Some longer-term liabilities present but manageable relative to equity and cash reserves.
Profit and Loss Reserve	£164,198	Accumulated profits retained in the business, reflecting profitability since inception.

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3. Diagnosis (What the Financial Data Reveals About Business Health):

• Liquidity & Cash Flow: The company’s "healthy cash flow" is evidenced by a substantial increase in cash holdings (£201k in 2024 vs £100k in 2023). This provides a strong buffer against short-term obligations and operational volatility. The high current ratio (~6.8) implies excellent short-term solvency.

• Solvency & Capital Structure: Net assets have grown significantly, reflecting strong retained earnings and a sound equity base. The minimal share capital highlights that the company’s value is primarily operationally generated. The presence of some long-term creditors (£14,400) is not alarming given the cash position and equity size.

• Profitability & Growth Sign: The growth in retained earnings from approximately £74k to £164k within one year indicates the company is generating profits and successfully reinvesting them. This is a positive sign of business growth and sustainability.

• Operational Efficiency: Debtors are low (£7,470), suggesting effective management of receivables and minimal credit risk. Trade creditors are also low, indicating timely payments to suppliers and good supplier relationships.

• Risk Factors: No overdue filings or signs of financial distress. The company is active, compliant, and appears well-managed.

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4. Recommendations (Specific Actions to Improve Financial Wellness):

• Maintain Strong Cash Flow: Continue monitoring cash inflows and outflows closely to preserve liquidity. Avoid unnecessary cash burn to keep the "healthy cash flow" status.

• Manage Long-Term Liabilities: Consider strategies to reduce or refinance the £14,400 long-term creditor balance to lower financial leverage risk.

• Increase Share Capital if Appropriate: To support future growth or investment, consider issuing additional shares to strengthen capital base, though current equity is adequate.

• Enhance Profitability Reporting: Since the company has opted not to file a detailed profit and loss account publicly, internally maintain detailed profitability analyses for informed decision-making.

• Plan for Growth: With strong financial health, explore investment opportunities or business expansion while maintaining prudent financial controls.

• Regular Financial Review: Conduct periodic financial health checks to detect early "symptoms of distress" and address them proactively.

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Medical Analogy Summary:

MULTIQUOTER LIMITED displays the "vital signs" of a financially fit company—a strong pulse of cash flow, a robust immune system of equity, and no evident "symptoms of distress" such as liquidity shortages or excessive debt. The financial "heart" is beating strongly, and with careful management, the prognosis for sustained health and growth is very positive.

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