NORTHERN BEAR PROPERTY LIMITED

Executive Summary

Northern Bear Property Limited exhibits a strong financial position for a micro-entity, characterized by healthy liquidity and a significant increase in net assets over the past year. The company's balance sheet reflects stability and growth without signs of financial distress. To further enhance financial wellness, it is recommended to monitor profitability internally and maintain prudent working capital management.

NORTHERN BEAR PROPERTY LIMITED - Analysis Report

Company Number: 13579337

Analysis Date: 2025-07-29 20:41 UTC

Financial Health Score: B+

Northern Bear Property Limited demonstrates a solid financial foundation with notable growth in net assets and strong working capital management for a micro-entity. While its size and scale are modest, the company maintains a "healthy cash flow" environment, showing resilience and a stable balance sheet, which is indicative of good financial wellness at this stage of its business development.

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1. Key Vital Signs

Metric	2024 Value (£)	Interpretation
Fixed Assets	620	Small investment in long-term assets, typical for micro firms.
Current Assets	9,210	Adequate short-term assets, including cash and receivables.
Current Liabilities	904	Low short-term obligations, manageable within current assets.
Net Current Assets	8,306	Strong working capital, indicating good liquidity ("healthy cash flow").
Total Assets Less Current Liabilities	8,926	Reflects total resources available after settling short-term debts.
Net Assets / Shareholders Funds	8,476	Positive equity base, showing retained value and capital invested.
Employee Count	2	Small workforce, consistent with micro-entity status.

Trends:

• Net assets increased from £4,000 in 2023 to £8,476 in 2024, more than doubling, which implies effective capital retention or new investment.
• Current assets grew significantly, boosting liquidity.
• Current liabilities decreased, reducing short-term financial pressure.
• The company remains exempt from audit, typical for micro entities, with financial statements prepared under FRS 105.

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2. Symptoms Analysis

• Liquidity: The company’s net current assets of £8,306 in 2024 reveal a strong liquidity position. This "healthy cash flow" symptom suggests the company can comfortably cover its short-term obligations without distress.
• Capital Structure: The shareholders’ funds increased substantially, indicating capital injections or accumulated profits. This points to a sound equity base—a good "immune system" protecting against financial shocks.
• Growth: The doubling of net assets within one year is a positive sign of growth or capital strengthening. However, the absence of an income statement filed limits insight into profitability trends.
• Asset Base: Fixed assets remain minimal (£620), consistent with a service-oriented business managing real estate rather than owning substantial property.
• Employee Base: Maintaining a small team of 2 aligns with the company’s micro categorization and suggests operational efficiency or outsourcing.

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3. Diagnosis

Northern Bear Property Limited displays the financial "vital signs" of a stable, solvent micro-entity with strong liquidity and robust equity growth. The company's financial statements reflect no symptoms of distress such as negative working capital, excessive liabilities, or eroding equity. Its current assets comfortably cover liabilities, and net assets have grown significantly, indicating healthy financial expansion or capital support.

The company’s micro classification means it operates on a small scale, which naturally limits complexity and risk. However, the lack of filed profit and loss data means the profitability "heart rate" isn't visible, so we can't fully assess operational performance or cash flow generation beyond the balance sheet snapshot.

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4. Recommendations

• Profit & Loss Transparency: Consider voluntarily preparing a summarized P&L statement internally to monitor profitability trends and cash generation, helping anticipate future capital needs or investments.
• Maintain Strong Liquidity: Continue to manage working capital prudently. Avoid overextending current liabilities to sustain the "healthy cash flow" condition.
• Asset Investment Strategy: Review the fixed asset base to ensure it aligns with business growth plans — minimal fixed assets are appropriate now, but strategic investments might be needed as the company scales.
• Growth Planning: With doubling equity, assess opportunities for controlled expansion or diversification within the real estate management sector.
• Compliance & Reporting: Keep accounts and confirmation statements timely to prevent penalties and maintain good standing with Companies House.

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