ST LEONARD'S CONSULTING LTD

Executive Summary

ST LEONARD'S CONSULTING LTD demonstrates a strong financial foundation typical of a well-managed micro-entity in its first full year. With positive net assets and healthy liquidity, the company is well-positioned for stable operations. Continued prudent financial management and growth planning will support sustained financial wellness.

ST LEONARD'S CONSULTING LTD - Analysis Report

Company Number: 14527738

Analysis Date: 2025-07-29 12:50 UTC

Financial Health Assessment: ST LEONARD'S CONSULTING LTD (as of 31 December 2023)

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1. Financial Health Score: A-

Explanation:
ST LEONARD'S CONSULTING LTD shows a solid financial position for a micro-entity in its first full year of operation. The company exhibits healthy liquidity, positive net assets, and a strong equity base relative to its size and age. There are no signs of distress or over-leverage. However, as a newly incorporated company with limited financial history, the score reflects both current strength and the need to sustain this trajectory.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Fixed Assets	18,028	Represents long-term investments in equipment or property; moderate for a micro-entity.
Current Assets	56,601	Short-term resources including cash and receivables; indicates available liquidity.
Current Liabilities	24,470	Debts due within one year; manageable relative to current assets.
Net Current Assets	32,131	Positive working capital; a healthy "cash flow pulse," ensuring operational liquidity.
Total Assets Less CL	50,259	Reflects asset strength after meeting short-term obligations.
Net Assets / Shareholders’ Funds	50,259	Equity owned by shareholders; strong for a young company, indicating no external debt burden.
Employees	1	Small workforce consistent with micro-entity status; low overheads.

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3. Diagnosis

ST LEONARD'S CONSULTING LTD is in robust financial health typical of a micro-entity at an early stage. The company’s balance sheet shows a healthy cash flow position with net current assets indicating liquidity sufficient to cover short-term liabilities—this is a vital sign of operational stability. The absence of long-term liabilities means the company is not burdened by debt, reducing financial risk.

The shareholder (Mr. Neil William Taylor) holds full control, which can be a double-edged sword: decision-making is swift, but the company depends heavily on the director's stewardship.

There are no symptoms of financial distress such as overdue filings, negative net assets, or liquidity shortfalls. The company’s micro-entity accounting framework means less detailed financial disclosures, but the fundamentals point to a well-managed start.

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4. Recommendations

• Maintain Liquidity: Continue to monitor working capital closely. Healthy cash reserves will help absorb any operational shocks.
• Build Financial History: As the company grows, consider transitioning from micro-entity accounts to more detailed reporting to attract potential investors or lenders.
• Diversify Risk: Explore opportunities to broaden the client base and revenue streams to reduce dependence on key contracts.
• Formalize Financial Controls: Even with one employee, implement basic budgeting and forecasting to anticipate cash flow needs.
• Succession Planning: Given the single-person control, consider plans for continuity in case of unexpected absence.
• Compliance Vigilance: Keep up with timely filing of accounts and confirmation statements to avoid penalties and maintain good standing.

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