STAFFORDSHIRE TRADITIONAL MEATS & BAKEHOUSE LTD

Executive Summary

Staffordshire Traditional Meats & Bakehouse Ltd demonstrates a small but improving financial position with positive net assets growth and manageable liabilities. The company is suitable for limited credit facilities, provided liquidity is monitored closely due to its micro size and limited operational scale. Ongoing scrutiny of working capital and directorship stability is recommended.

STAFFORDSHIRE TRADITIONAL MEATS & BAKEHOUSE LTD - Analysis Report

Company Number: 13550514

Analysis Date: 2025-07-29 19:12 UTC

1. Credit Opinion: APPROVE with conditions. Staffordshire Traditional Meats & Bakehouse Ltd is a micro private limited company showing steady growth in net assets over the last two years, indicating improving financial health. However, the company’s scale is small, with no employees reported, and limited working capital. The director is the sole significant controller and appears engaged. Credit approval is feasible for modest facilities, but monitoring liquidity and operational activity is advised to ensure ongoing repayment capability.

2. Financial Strength: The balance sheet shows net assets increased from £4,493 in 2023 to £8,434 in 2024, reflecting a strengthening equity base. Current assets rose significantly to £57,001, while current liabilities increased to £47,867, leaving a positive but modest net current asset position of £9,134. No fixed assets or long-term liabilities are reported, consistent with micro-entity status. The company maintains a positive but thin equity buffer, typical for a start-up or small retail business.

3. Cash Flow Assessment: Current assets mainly comprise cash or receivables, with liabilities mostly short-term creditors. The net current assets position indicates some working capital, but the close proximity of liabilities to assets suggests limited liquidity cushion. The absence of employees and low overheads may reduce cash burn. However, careful cash flow management will be essential to service debt and supplier payments given the scale and nature of the business.

4. Monitoring Points:

• Track working capital trends closely, especially any increase in short-term liabilities versus current assets.
• Monitor any changes in ownership or director involvement that could impact governance.
• Review updated financial statements annually for profitability and cash flow improvements.
• Watch for any delayed filings or signs of operational scaling or contraction.