PRO-VISION COACHING LIMITED

Executive Summary

Pro-Vision Coaching Limited has demonstrated positive financial development with growing net assets and healthy working capital, indicating a stable but early-stage business. The company benefits from director support but should focus on building cash reserves and expanding revenues to strengthen resilience. With prudent financial management and growth, the company’s future outlook is cautiously optimistic.

PRO-VISION COACHING LIMITED - Analysis Report

Company Number: 14194223

Analysis Date: 2025-07-29 15:13 UTC

Financial Health Assessment of PRO-VISION COACHING LIMITED

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1. Financial Health Score: B-

Explanation:
PRO-VISION COACHING LIMITED shows signs of early-stage business development with improving financial stability over the last two years. The net assets have grown steadily from £1,537 to £4,638, indicating increasing equity and a strengthening balance sheet. The absence of current liabilities in the latest year is a positive sign. However, the company remains a micro-entity with limited assets and modest cash resources, which suggests it is still vulnerable to financial shocks. The presence of director loans points to reliance on internal funding, which is common in early-stage companies but can be a symptom of limited external financing options.

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2. Key Vital Signs:

Metric	2024 Value	Interpretation
Fixed Assets	£5,467	Small but stable asset base, likely equipment or other tangible assets related to business.
Current Assets	£1,401	Limited cash or near-cash resources, adequate for immediate operational needs.
Current Liabilities	£0	No short-term debts, reducing liquidity risk.
Net Current Assets	£1,401	Positive working capital, indicating ability to cover short-term obligations comfortably.
Net Assets	£4,638	Positive shareholder equity, showing net value of the company has increased since inception.
Accruals and Deferred Income	£2,230	These represent income received in advance or expenses accrued, indicating some timing delay.
Director Loans	£1,401	Reliance on director funding suggests limited external finance but also good internal support.
Average Employees	2	Small workforce consistent with micro-entity status, indicating low overhead.

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3. Diagnosis: Financial "Health" and Symptoms Analysis

• Healthy Signs:
  The company’s net assets are positive and growing, which is a strong "heartbeat" indicating the business is building value. The net current assets being positive and the absence of current liabilities suggest a "healthy cash flow" position for day-to-day operations. The increase in employee numbers from 1 to 2 indicates business development and potential growth.

• Symptoms of Vulnerability:
  The business is still in its infancy with a micro-entity classification and limited asset base, which can be described as a "fragile immune system" in financial terms. Director loans, while helpful, indicate that the company may not yet have strong access to external finance or revenue streams. The accruals and deferred income balance may hint at some timing mismatches in cash flows or revenue recognition.

• No Overdue Filings:
  The company has kept up with compliance, showing responsible "health monitoring" practices.

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4. Prognosis: Future Financial Outlook

Given the current trajectory of increasing net assets and positive working capital, the company is likely to continue strengthening its financial position if it maintains or grows its revenue base and controls costs. However, as a micro-entity with limited cash reserves and reliance on director loans, it should be cautious of unexpected expenses or revenue interruptions.

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5. Recommendations: Improving Financial Wellness

• Enhance Cash Reserves:
  Build a stronger cash buffer to absorb operational shocks and reduce reliance on director loans. Consider pursuing small business grants, or short-term financing if needed.

• Revenue Growth Focus:
  Expand client base or service offerings within the sports club activities sector to increase turnover and profitability. This will strengthen cash flow and reduce financial "symptoms" of dependency on internal funds.

• Expense Management:
  Monitor and manage accruals and deferred income carefully to ensure timing mismatches do not impact liquidity.

• Formal Financial Planning:
  Develop a rolling cash flow forecast and budget to anticipate future financial needs and avoid surprises.

• Governance and Compliance:
  Continue timely filings and consider periodic external financial reviews to maintain transparency and stakeholder confidence.

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