SWIFT INSPECTION SERVICES LTD

Executive Summary

SWIFT INSPECTION SERVICES LTD is financially stable with positive working capital and net assets, reflecting a healthy financial pulse typical of a young micro-entity. While the company carries some long-term liabilities, its liquidity and equity position provide a solid foundation for growth. Ongoing careful debt management and cash flow monitoring are essential to maintain and improve financial wellness as the business develops.

SWIFT INSPECTION SERVICES LTD - Analysis Report

Company Number: 15087480

Analysis Date: 2025-07-29 20:10 UTC

Financial Health Assessment: SWIFT INSPECTION SERVICES LTD

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1. Financial Health Score: B-

Explanation:
The company shows a stable but early-stage financial position typical of a recently incorporated micro-entity. Positive net current assets and net assets indicate a solvent entity with working capital to cover short-term liabilities. However, the presence of long-term creditors and modest equity base suggest cautious monitoring is needed as the business grows.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Fixed Assets	56,748	Long-term investment in assets, moderate for a micro firm
Current Assets	111,069	Adequate liquidity pool to meet short-term obligations
Current Liabilities	91,071	Obligations due within one year, manageable but notable
Net Current Assets (Working Capital)	30,692	Positive; "healthy cash flow" buffer
Creditors (Long-term)	49,800	Non-current liabilities; needs monitoring for repayment
Net Assets (Equity)	37,640	Indicates positive "financial pulse" and shareholder value
Average Number of Employees	2	Small operational scale, low overheads

Interpretation:
The company has a positive working capital position, meaning it can comfortably cover its short-term debts—a sign of financial wellness and liquidity. The fixed assets reflect investment in operational capacity. However, long-term creditors of £49,800 represent a future liability that needs strategic handling. The net assets show that shareholders have a positive stake, though modest, as expected in a young company.

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3. Diagnosis: Financial Condition

SWIFT INSPECTION SERVICES LTD exhibits the symptoms of a young but stable business in its early growth phase. The financial "vital signs" demonstrate solvency and liquidity, with no signs of distress such as negative working capital or excessive debt burden relative to assets.

The presence of long-term creditors suggests the company has taken on financing or deferred payments that need careful management to avoid future liquidity strain. The relatively low equity base (net assets) is consistent with a micro-entity in its first full financial year, indicating the company is still building its capital "immune system."

The company benefits from a lean operational structure (2 employees), which helps keep fixed costs low, supporting cash flow health.

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4. Recommendations: Steps to Enhance Financial Wellness

• Monitor Debt Repayment: Develop a clear plan for managing and repaying the £49,800 long-term creditors to prevent future cash flow stress.
• Build Equity Base: As profits accumulate, consider retaining earnings to strengthen shareholder funds and improve financial resilience.
• Cash Flow Management: Maintain positive working capital through regular cash flow forecasting to ensure continued liquidity.
• Growth Planning: With current healthy financial vitals, cautiously invest in business development to increase turnover while managing cost controls.
• Financial Reporting: Although exempt, consider preparing internal profit and loss statements to better track operational performance and early warning signs.
• Governance: The directors (both PSCs with significant control) should ensure strong oversight and compliance with filing deadlines (currently up to date), maintaining the company’s good standing.

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