PROMPTUSETFIDELIS LTD

Executive Summary

PROMPTUSETFIDELIS LTD displays a healthy financial position with strong liquidity and positive net assets for its first accounting period. Founder support through a director's loan strengthens the balance sheet, and compliance is fully up to date. With prudent management and formalisation of internal financial arrangements, the company is well placed for sustainable growth.

PROMPTUSETFIDELIS LTD - Analysis Report

Company Number: 15680249

Analysis Date: 2025-07-29 17:38 UTC

Financial Health Assessment: PROMPTUSETFIDELIS LTD (As of 30 April 2025)

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1. Financial Health Score: B

Explanation:
For a newly incorporated micro-entity, PROMPTUSETFIDELIS LTD exhibits a sound financial position with positive net assets and healthy working capital. The absence of any overdue filings and the sole director’s strong control reflect organisational stability. However, the limited size, early stage of operations, and the director’s loan balance introduce some caution, preventing a top-tier grade at this time.

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2. Key Vital Signs: Critical Metrics and Interpretation

Metric	Value	Interpretation (Medical Analogy)
Fixed Assets	£6,291	Represents the company’s "long-term organs"—small but present.
Current Assets	£54,971	"Blood supply" (cash, receivables) is strong, supporting day-to-day operations.
Current Liabilities	£33,269	Short-term "debts" are significant but covered by current assets.
Net Current Assets (Working Capital)	£21,702	"Healthy margin of safety" to cover short-term obligations. Vital for liquidity.
Total Assets Less Current Liabilities	£27,993	Indicates overall "body mass" of assets after settling short-term liabilities.
Net Assets (Equity)	£27,959	"Net worth" of the business is positive—no signs of insolvency.
Director’s Loan	£3,357 (owed to company)	"Internal loan" from director is interest-free and unsecured; reflects founder’s financial support.
Number of Employees	1	Minimal "staff strength," typical for a micro start-up.
Filing Status	Up to date	No "symptoms of distress" such as overdue filings or penalties.

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

PROMPTUSETFIDELIS LTD is in the early phase of its business life cycle, having incorporated in April 2024 and reporting its first set of accounts as of April 2025. The company shows a robust liquidity position, with current assets substantially exceeding current liabilities, indicating a "healthy cash flow" buffer in the short term. The positive net assets and shareholders' funds confirm that the business has a solid equity base without reliance on external debt, which is a good sign of financial resilience.

The presence of a director’s loan, owed by the director to the company, suggests founder support and capital injection without interest burden, which is typical in start-ups. The single employee count aligns with the micro-entity classification and early-stage operations.

No audit requirement and exemption under micro-entity provisions mean the accounts are simplified but comply with regulatory standards. The SIC code 82990 ("Other business support service activities") indicates a service-oriented business model, which often has lower capital intensity and flexibility.

No adverse "symptoms" such as overdue filings, negative net assets, or excessive liabilities are present. However, the company’s small scale and reliance on the director’s involvement are points to monitor as it grows.

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4. Recommendations: Specific Actions to Improve Financial Wellness

• Maintain Strong Working Capital Management: Continue monitoring current assets and liabilities to ensure ongoing liquidity, especially as the business scales.
• Formalise Director’s Loan Terms: Although currently interest-free and unsecured, consider formalising repayment terms or converting it into equity to clarify financial structure and support future investment rounds.
• Plan for Growth and Diversification: As a micro-entity with one employee, explore opportunities to diversify services or increase capacity to enhance revenue streams and reduce reliance on a single individual.
• Keep Compliance Up to Date: Maintain timely filings and document all transactions transparently to avoid penalties and build trust with stakeholders.
• Prepare for Audited Accounts if Growth Occurs: Should the company exceed micro-entity thresholds, plan for the transition to audited accounts and enhanced financial reporting.
• Risk Assessment and Contingency Planning: Develop basic risk management strategies to handle unexpected expenses or market changes, ensuring the financial "immune system" remains strong.

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Executive Summary

PROMPTUSETFIDELIS LTD is financially healthy for a newly formed micro-entity, exhibiting strong liquidity and positive net assets without any compliance issues. The company benefits from founder support and maintains a solid equity base but should formalise internal loans and prepare for future growth challenges. Overall, it demonstrates promising financial wellness with a stable foundation for development.