Company Number: 14550319

Analysis Date: 2025-07-19 11:55 UTC

Financial Health Assessment Report for ST MARY'S VENTURES LTD

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1. Financial Health Score: D

Explanation:
The company exhibits significant signs of financial strain. With net liabilities reported (£61 negative net assets) and current liabilities slightly exceeding or nearly matching current assets, the firm's financial "vital signs" reflect distress. While the scale is small (micro-entity), the balance sheet indicates that liabilities are marginally higher than assets, akin to a patient with borderline low blood pressure that could further deteriorate without intervention.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Current Assets	14,169	Represents short-term resources available. Healthy cash reserves are minimal but present.
Current Liabilities	14,230	Debts due within one year slightly exceed current assets, indicating potential liquidity stress.
Net Current Assets	-61	Negative working capital; company may struggle to meet short-term obligations.
Total Net Assets (Equity)	-61	Company’s liabilities exceed assets; negative equity is a symptom of financial distress.
Employees	0	No staff employed, reflecting very small scale or inactivity in operations.

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3. Diagnosis

The company's financial statements show a fragile position. Despite being newly incorporated (December 2022) and operating in real estate trading, the firm has negative net assets and a slight working capital deficit. This suggests the company is currently living "paycheck to paycheck," with very little financial buffer. The absence of employees may indicate minimal operations or that the company is in an early development phase.

The negative equity, while small in absolute terms (£61), is a symptom of underlying financial imbalance. It could reflect initial setup costs, unpaid liabilities, or a timing mismatch in cash flows. The company’s exemption from audit and micro-entity status mean detailed financial scrutiny is limited, but the data suggests a need for careful cash flow management.

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4. Recommendations

• Improve Liquidity: Focus on increasing current assets relative to liabilities. This could involve collecting receivables faster, reducing short-term debts, or injecting additional capital.
• Capital Injection: Consider equity funding or a director loan to offset negative net assets and improve the balance sheet "vital signs."
• Cost Control: Maintain minimal overheads given zero employees; ensure any expenditures are strictly necessary.
• Cash Flow Monitoring: Develop a robust cash flow forecast to anticipate and manage liquidity risks proactively.
• Strategic Review: Evaluate the real estate trading activities for profitability and viability to ensure positive cash generation.
• Professional Advice: Engage a financial advisor to assist with restructuring or funding options, ensuring the company avoids the "symptoms" progressing to insolvency.

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