RIVERVIEW CONSULTANCY LIMITED

Executive Summary

Riverview Consultancy Limited shows a strong and healthy financial condition with ample liquidity, profitability, and no immediate signs of distress. The company's financial 'vital signs' indicate good operational management and solid capitalisation for its first financial period. Maintaining this positive trajectory through diligent cash flow management and strategic reinvestment is recommended to ensure continued financial wellness.

RIVERVIEW CONSULTANCY LIMITED - Analysis Report

Company Number: 15135648

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

Financial Health Assessment of Riverview Consultancy Limited

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1. Financial Health Score: A

Explanation:
Riverview Consultancy Limited demonstrates a robust financial position for a company in its first full accounting period. The company has a strong working capital position with net current assets significantly positive (£75,189), healthy cash reserves (£99,873), and no signs of financial distress. The equity base is solid, and the company is free from overdue filings or legal complications. This indicates a very healthy financial "pulse" at this early stage of operations.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Current Assets	107,038	Adequate liquidity; includes strong cash position and manageable trade debtors.
Cash at Bank & In Hand	99,873	Healthy cash flow reservoir, indicating good immediate liquidity and low risk of cash crunch.
Current Liabilities	31,849	Short-term obligations are well covered by current assets, reducing liquidity risk.
Net Current Assets (Working Capital)	75,189	Positive working capital signals the business can comfortably meet short-term debts.
Shareholders' Funds (Equity)	75,189	Indicates a well-capitalised business with retained profits supporting its financial strength.
Profit for the Period	87,374	Demonstrates the company is generating profits early, a positive symptom of operational health.
Dividends Paid	(12,285)	Returns value to shareholders but retains strong earnings to support growth and stability.
Filing Status	Up to date	No overdue returns or accounts; complies fully with regulatory requirements.

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3. Diagnosis

Riverview Consultancy Limited exhibits symptoms of financial vitality typical of a well-managed startup consultancy. The healthy cash balance is akin to a strong heartbeat, ensuring the company can fund day-to-day operations without stress. Positive net current assets indicate a robust liquidity buffer—no signs of "financial fatigue" or impending cash flow problems.

The profit generation in the first period is an encouraging sign of operational effectiveness, suggesting that the business model is viable and that revenues are outpacing expenses comfortably. The modest dividend payment reflects prudent capital management, balancing shareholder return with reinvestment needs.

No liabilities beyond normal operating costs are evident, and the absence of audit requirements (due to company size) reduces administrative burden, enabling a focus on growth.

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4. Recommendations

To maintain and enhance this state of financial wellness, consider the following actions:

• Maintain Cash Reserves: Continue to monitor and manage working capital carefully to preserve this healthy liquidity cushion.
• Monitor Debtors: Keep a close eye on trade receivables to avoid delay in cash inflows, which could otherwise strain cash flow.
• Plan for Growth: Use retained earnings to invest strategically in business development, technology, or talent to sustain profit momentum.
• Tax Planning: Given the tax creditor balance (£26,163), ensure timely tax payments and explore legitimate tax efficiencies to avoid surprises.
• Compliance Vigilance: Keep filings and statutory returns timely to maintain good standing and avoid penalties.
• Risk Management: As the company grows, consider insurance and contracts that mitigate operational risks and protect assets.
• Financial Reporting: Even though audit is not mandatory, periodic internal reviews or external advisory can provide early warning signs of financial stress.

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