Company Number: 13248100

Analysis Date: 2025-07-20 12:53 UTC

Financial Health Assessment for SSVG LIMITED (As of 31 March 2024)

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1. Financial Health Score: A-

Explanation:
SSVG LIMITED demonstrates a strong and improving financial position for a micro-entity. The significant growth in net current assets and net assets over the last year, along with positive working capital and shareholder equity, indicate healthy financial "vital signs." While the fixed assets decreased slightly, this is not alarming given the growth in current assets and overall equity. The company appears solvent and well-capitalized for its size, with no overdue filings or signs of financial distress.

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2. Key Vital Signs

Vital Sign	2024 Value	Interpretation
Fixed Assets	£81,027	Represents long-term investments (e.g., dental equipment); stable asset base.
Current Assets	£383,889	Significant increase indicates strong liquidity and cash flow.
Current Liabilities	£113,499	Manageable short-term debts; growth in liabilities is proportionate.
Net Current Assets	£271,322	Healthy working capital; company can cover short-term obligations comfortably.
Total Assets Less Current Liabilities	£352,349	Strong asset base after accounting for short-term liabilities.
Net Assets / Shareholders’ Funds	£348,826	Positive equity showing retained earnings and financial stability.
Share Capital	£200	Small initial equity, typical for micro-entities; growth driven by retained earnings.
Employee Count	2	Small, focused operation consistent with micro company profile.

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3. Diagnosis: What the Financial Data Reveals

• Healthy Cash Flow and Liquidity: The large jump in current assets from £141K to £383K shows the company likely has healthy cash reserves or receivables, ensuring smooth operation and the ability to meet short-term commitments without stress.
• Strong Working Capital: Net current assets more than doubled, indicating the company can comfortably pay its immediate debts and invest in growth or operational needs.
• Growing Equity: Net assets increased significantly (about 77% growth), which is a good "symptom" of profitability or capital retention, reflecting sound management and business performance.
• Asset Management: Slight decrease in fixed assets might suggest asset disposal or depreciation, but current asset growth compensates well. The company’s investment in fixed assets remains adequate for its dental practice activities.
• No Financial Distress Signals: Absence of overdue filings, no indication of liabilities exceeding assets, and positive shareholder funds indicate no symptoms of financial distress or insolvency risk.
• Micro Entity Status: The company complies with micro-entity filing standards, keeping reporting obligations minimal but showing transparency and compliance.

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4. Recommendations for Financial Wellness Improvement

• Maintain Healthy Working Capital: Continue monitoring receivables and payables to preserve liquidity. Avoid unnecessary buildup of current liabilities.
• Fixed Asset Review: Evaluate fixed asset usage and consider timely replacements or upgrades to maintain operational efficiency, especially in a dental practice where equipment quality is critical.
• Profit Retention and Growth: Reinvest profits wisely to support expansion or diversification, possibly increasing share capital when scaling.
• Cash Flow Forecasting: Implement regular cash flow forecasts to anticipate any potential short-term liquidity issues, especially as the company grows.
• Compliance Vigilance: Keep up-to-date with filing deadlines and company law requirements to avoid penalties and maintain good standing.
• Consider Audit Readiness: Although exempt from audit, periodically review financial controls and reporting to ensure accuracy and support future growth or funding needs.

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