REGAN CARPENTRY AND BUILDS LTD

Executive Summary

Regan Carpentry and Builds Ltd shows strong balance sheet growth and improving liquidity, positioning it well to service debt and manage credit. The company’s financials suggest sound management and resilience for a micro-entity in construction. Continued monitoring of working capital and capital investment is advised to sustain creditworthiness.

REGAN CARPENTRY AND BUILDS LTD - Analysis Report

Company Number: 14193255

Analysis Date: 2025-07-29 15:34 UTC

1. Credit Opinion: APPROVE
   Regan Carpentry and Builds Ltd demonstrates a solid financial position for a micro-entity in the construction sector. The company’s net assets more than doubled from £19,443 in 2023 to £56,974 in 2024, indicating significant equity growth and capital strengthening. The positive net current assets of £26,332 suggest adequate short-term liquidity to meet obligations. No overdue filings or status concerns are noted, and the company is active with stable director involvement. Given this, the company exhibits a satisfactory ability to service debt and manage commercial credit.

2. Financial Strength:
   The balance sheet reflects a healthy increase in fixed assets from £9,737 to £30,642, showing investment in long-term resources, which supports operational capacity. Current assets increased moderately while current liabilities decreased substantially from £25,857 to £14,754, improving working capital. Net assets and shareholders’ funds rising to £56,974 provides a buffer against financial distress, enhancing solvency and creditor confidence.

3. Cash Flow Assessment:
   Net current assets of £26,332 indicate sufficient liquidity and working capital to cover short-term liabilities, reducing the risk of cash flow strain. The ratio of current assets to current liabilities is approximately 2.79x, a strong liquidity position for a micro business. Though detailed cash flow statements are not provided, the working capital improvement and net asset growth imply effective cash management and operational cash generation.

4. Monitoring Points:

• Maintain monitoring of current liabilities to ensure no unexpected spikes that could stress liquidity.
• Track capital expenditure to ensure fixed asset growth aligns with operational needs and does not overextend resources.
• Review payment patterns and any new credit facilities to confirm continued ability to meet short-term obligations.
• Observe any changes in employee count or operational scale that might impact financial ratios.