MY PROPERTY TRAINER LIMITED

Executive Summary

MY PROPERTY TRAINER LIMITED is currently facing financial distress characterized by negative net assets and working capital deficits, indicating a fragile liquidity position and balance sheet insolvency. Immediate actions to improve cash flow, reduce liabilities, and infuse capital are essential to stabilize the company's financial health and secure its operational future.

MY PROPERTY TRAINER LIMITED - Analysis Report

Company Number: 12703085

Analysis Date: 2025-07-20 14:50 UTC

Financial Health Assessment for MY PROPERTY TRAINER LIMITED

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1. Financial Health Score: D

Explanation:
The company shows persistent net liabilities and negative shareholders' funds over multiple years, indicating financial distress. The minimal current assets and reliance on director loans as liabilities reveal a fragile cash position. While the company remains active and compliant with filings, the financials suggest vulnerability requiring urgent attention.

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2. Key Vital Signs

Metric	Latest Year (2023)	Interpretation
Current Assets	£1	Critically low liquid assets; almost no cash or receivables
Current Liabilities	£704	Short-term debts exceeding assets; risk of liquidity crunch
Net Current Assets	-£703	Negative working capital; unable to cover immediate obligations
Net Assets (Total Equity)	-£703	Company’s liabilities exceed its assets; balance sheet insolvent
Shareholders’ Funds	-£703	Negative equity; shareholders have no residual claim value
Director Loans	£301 (included in liabilities)	Company relying on director financing; potential risk if withdrawn
Number of Employees	1	Very small operation, limited scale
Account Category	Total Exemption Full	Small company with simplified reporting
Profit and Loss Account	Negative (Accumulated Loss)	Indicates consistent losses or lack of profitability

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3. Diagnosis

The company is exhibiting classic symptoms of financial distress:

• Negative working capital ("unhealthy cash flow") signifies the company does not have enough short-term assets to meet its short-term liabilities, raising the risk of default on payments.
• Net liabilities and negative shareholders’ funds indicate that the company’s debts exceed its assets, a sign of balance sheet insolvency.
• Persistent reliance on director loans to fund operations suggests the business cannot generate sufficient internal cash flow or obtain external financing.
• The company is very small and has minimal operational scale, with just one employee and very limited current assets, indicating possible early-stage or struggling business.
• Absence of audit and simplified accounts imply limited transparency, making it harder to assess operational efficiency or profitability beyond balance sheet data.

In medical terms, the company’s financial "vital signs" are weak, showing symptoms of distress but not yet critical failure (e.g., no administration or liquidation status). It resembles a patient with chronic illness needing intervention to avoid collapse.

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4. Recommendations

To improve the financial wellness of MY PROPERTY TRAINER LIMITED, consider the following "treatment plan":

• Inject liquidity: The company needs to boost current assets, primarily cash, to restore healthy working capital. This could be through additional capital infusion by the director or new investors.
• Manage liabilities: Negotiate with creditors to extend payment terms or reduce liabilities where possible, easing immediate cash pressure.
• Improve cash flow: Develop revenue-generating activities or cost-cutting measures to enhance operational cash flow, reducing reliance on director loans.
• Financial restructuring: Consider restructuring debt or equity to remove negative net asset status, restoring confidence for stakeholders.
• Regular monitoring: Implement monthly financial health checks to track liquidity, costs, and profitability, ensuring early detection of any worsening symptoms.
• Seek professional advice: Engage with financial advisors or accountants for tailored strategies including budgeting, forecasting, and potentially exploring grants or financing options suited for small educational companies.
• Governance and transparency: Maintain timely statutory filings and consider preparing more detailed management accounts to provide better insight for decision-making.

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