ONE CALL ROOFING SOLUTIONS LTD

Executive Summary

ONE CALL ROOFING SOLUTIONS LTD shows a stable and solvent financial position typical of a newly incorporated micro-entity in the roofing sector. Positive working capital and net assets indicate a healthy liquidity and equity base, although the narrow margin calls for careful cash flow monitoring. The business is financially sound but remains in an early growth phase requiring prudent management of resources and operational scaling.

ONE CALL ROOFING SOLUTIONS LTD - Analysis Report

Company Number: 14499679

Analysis Date: 2025-07-20 16:00 UTC

Financial Health Score: B

Explanation:
ONE CALL ROOFING SOLUTIONS LTD demonstrates a solid financial foundation for a micro-entity in its first year of operation. The company shows positive net current assets and net assets, indicating a generally healthy liquidity position and a positive equity base. However, the small scale and relatively low asset base coupled with the absence of profit and loss details limit a stronger rating. The company’s financial "vital signs" suggest a stable but nascent business, still in early growth stages.

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1. Key Vital Signs

• Current Assets: £70,566
  Represents the short-term resources readily available, primarily cash or near-cash assets. The company holds a reasonable level of liquid assets for a start-up roofing business.

• Current Liabilities: £63,992
  Short-term obligations due within one year. These liabilities are close in value to current assets, indicating tight but manageable liquidity.

• Net Current Assets (Working Capital): £6,574
  Positive working capital ("healthy cash flow buffer") suggests the company can meet its short-term debts, a critical sign of operational stability.

• Net Assets (Shareholders’ Funds): £6,276
  Positive net assets reflect that total assets exceed liabilities, indicating the business is solvent and owner’s equity is intact.

• Average Number of Employees: 0
  Company operated without staff during the period, which may indicate reliance on subcontractors or owner-director labor. This could be a symptom of early-stage operational scaling.

• Account Category: Micro
  Filing under micro-entity provisions indicates small size, with limited financial complexity.

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2. Symptoms Analysis

• Liquidity: The company exhibits a "healthy cash flow pulse," with current assets just surpassing liabilities. However, the narrow margin (£6,574) implies limited buffer against unexpected expenses or income delays. Monitoring cash flow closely will be essential.

• Solvency: Positive net assets and shareholder funds indicate no immediate financial distress. The company is solvent with a positive equity base.

• Profitability: No explicit profit or loss figures were reported, typical for a first-year micro-entity. The absence of employees may reflect cost containment or limited operational scale.

• Operational Stage: As a company incorporated in late 2022 and filing first accounts in 2023, the business is in its infancy. The "symptoms of growth phase" include modest asset levels and cautious liability management.

• Governance: Single director and sole shareholder with full control implies streamlined decision-making. However, concentration of control can limit checks and balances.

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3. Diagnosis

ONE CALL ROOFING SOLUTIONS LTD is in a stable financial condition typical of a start-up micro-entity. Its financial "vital signs" show solvency and manageable liquidity without signs of distress. The limited scale of operations and absence of employees suggest early development rather than expansion. The company's balance sheet reveals a "healthy financial pulse" but also highlights the need for continuous monitoring of cash flow and working capital to avoid liquidity strain. The business’s financial health is sound but fragile due to its size and early stage.

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4. Recommendations

• Cash Flow Management: Maintain vigilant tracking of inflows and outflows to preserve positive working capital. Consider establishing a cash reserve to cushion against variability in roofing project payments.

• Profit and Loss Monitoring: As the company grows, ensure detailed profit and loss accounts are prepared and reviewed regularly to identify profit margins and cost control opportunities.

• Scalability Planning: Evaluate the need for hiring employees or subcontractors to support growth. Operational scalability should be balanced with financial capacity.

• Contingency Planning: Develop contingency plans for unexpected expenses or downturns, including access to short-term financing if needed.

• Governance: Consider broadening governance by adding advisory roles or independent oversight to strengthen decision-making and risk management.

• Compliance: Continue timely filing of accounts and confirmation statements to maintain good standing and avoid penalties.

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