RUSTIC BROS PIZZA CO LTD

Executive Summary

Rustic Bros Pizza Co Ltd is a micro-entity demonstrating early-stage financial stability with improving net assets and working capital. The business shows potential to service modest credit facilities, supported by sound liquidity and no filing concerns. Caution is advised due to limited operating history, recommending ongoing monitoring of financial growth and compliance.

RUSTIC BROS PIZZA CO LTD - Analysis Report

Company Number: 14192103

Analysis Date: 2025-07-20 18:07 UTC

1. Credit Opinion: APPROVE with monitoring.
   Rustic Bros Pizza Co Ltd is a micro-entity in the take-away food sector, operating since June 2022. Its latest accounts to June 2024 show improved net current assets and shareholders funds, indicating a positive trajectory for a young business. There is no indication of overdue filings or financial distress. While the scale is small, the company demonstrates basic financial stability and modest growth, supporting credit approval for limited facilities. However, ongoing monitoring is recommended given the early stage and limited operating history.

2. Financial Strength:
   The company’s balance sheet reflects net current assets of £19,512 at June 2024, up from £390 the previous year. Shareholders’ funds increased correspondingly, signaling retained earnings or capital injections strengthening equity. Current assets of £35,578 comfortably cover current liabilities of £16,066, showing a working capital surplus. No fixed assets or long-term debts are reported, typical for a micro-entity in this sector. Overall, the financial position is sound but limited in scale.

3. Cash Flow Assessment:
   With current assets mainly consisting of cash and receivables exceeding current liabilities by a factor of approximately 2.2, liquidity appears sufficient to meet short-term obligations. The stable employee count (2) and lack of auditor’s report mean cash flow details are limited, but the positive net current asset position suggests adequate working capital for ongoing operations. Cash flow volatility risk remains due to the small size and sector sensitivity.

4. Monitoring Points:

• Continued growth in net current assets and equity to confirm financial resilience.
• Timely filing of accounts and confirmation statements to maintain compliance and transparency.
• Operating profitability once P&L details become available, to assess cash generation capacity.
• Sector risks such as competition, supply chain disruptions, and consumer demand fluctuations.
• Management’s ability to scale and maintain control of costs as the business expands.