Company Number: 14527298

Analysis Date: 2025-07-20 13:59 UTC

Financial Health Assessment Report
Company: RUBIN ALTMAN LIMITED
Date of Assessment: 2024-06

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1. Financial Health Score: B

Explanation:
RUBIN ALTMAN LIMITED demonstrates a solid foundational financial position for a micro-entity in its first full accounting year. The company shows positive net current assets and healthy shareholders’ funds relative to its size and business stage. However, the financial data is limited to a single year’s balance sheet without profitability or cash flow details, which constrains a full diagnosis. The score B reflects a generally healthy but early-stage financial condition with room for growth and closer monitoring.

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2. Key Vital Signs: Critical Metrics and Interpretation

Metric	Value (£)	Interpretation
Current Assets	8,137	The company holds modest liquid and short-term assets, indicating some available resources.
Current Liabilities	2,913	Short-term debts are low, reducing immediate financial pressure.
Net Current Assets (Working Capital)	5,224	Positive working capital signals the company can cover short-term obligations—sign of liquidity.
Total Net Assets (Equity)	5,224	Net assets equal to working capital indicate no long-term debt, a "clean bill of financial health."
Average Number of Employees	1	Very small team consistent with micro-entity status, limiting operational complexity.
Account Category	Micro	Simplified reporting requirements, typical for small-scale operations.
Company Age	~1.5 years	Newly established, still in early growth phase, financial stability needs to be tracked.

What these vital signs reveal:

• The company has a "healthy cash flow cushion" implied by positive net current assets.
• No indication of overleveraging or financial distress symptoms such as negative working capital or accumulated losses.
• The business is small and simple in structure, consistent with a micro-entity profile.
• Lack of income statement data (profit/loss) limits insight into operational profitability or revenue trends, which are important for deeper diagnosis.

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3. Diagnosis: Overall Financial Condition Assessment

RUBIN ALTMAN LIMITED presents as a financially stable micro business in its infancy. The balance sheet indicates a clean and simple financial structure without debt burdens. The positive working capital acts like a healthy pulse, suggesting the company can meet its short-term obligations without strain. However, the absence of profit and cash flow details is akin to missing vital signs in a medical exam, preventing a full understanding of operational efficiency or growth potential.

The presence of a single employee and micro-entity status underscores an early-stage venture that is likely still building its market position. The transfer of directorship from Robert Cieslik to Willem Johannes Murray in early 2025 indicates possible management transition, which should be monitored for any strategic or financial shifts.

No symptoms of financial distress—such as overdue filings, negative net assets, or indications of insolvency—are present at this stage.

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4. Recommendations: Specific Actions to Improve Financial Wellness

• Enhance Financial Reporting: Begin preparing internal profit and loss statements and cash flow forecasts. This is akin to monitoring blood pressure and heart rate regularly, providing early warnings and enabling proactive management.
• Monitor Working Capital Trends: Keep a close eye on working capital to ensure liquidity remains healthy as the company grows and takes on more operational complexity.
• Plan for Growth Funding: Consider whether additional capital injections or credit lines may be needed as the business scales beyond micro-entity thresholds, much like preparing for increased metabolic demands in a growing patient.
• Governance Continuity: Ensure smooth management transition through clear communication and strategic planning to avoid operational "shocks."
• Maintain Compliance: Continue timely filing of accounts and confirmation statements to avoid penalties and maintain corporate health.

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