TARYN SESSEL CONSULTING LIMITED

Executive Summary

TARYN SESSEL CONSULTING LIMITED demonstrates stable early-stage financial health with positive net assets and strong cash reserves, but a very narrow working capital margin suggests careful liquidity management is essential. With prudent financial controls and focus on cash flow, the company is well-positioned to strengthen its financial foundation and support future growth.

TARYN SESSEL CONSULTING LIMITED - Analysis Report

Company Number: 14555164

Analysis Date: 2025-07-20 11:42 UTC

Financial Health Assessment of TARYN SESSEL CONSULTING LIMITED

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1. Financial Health Score: B

Explanation:
The company exhibits a stable financial position with a modest net asset base and positive working capital, indicating healthy liquidity for its scale. However, the very narrow margin of net current assets and relatively recent incorporation suggest early-stage operational risks and limited financial cushion. With prudent management and growth, the company’s financial health can improve further.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Fixed Assets	1,179	Minimal investment in long-term assets, typical for a consulting firm at start-up stage.
Current Assets	288,043	Strong current asset base largely driven by cash and receivables, showing good liquidity.
- Cash	181,568	Healthy cash reserves, indicating ability to meet immediate obligations and operational needs.
- Debtors	106,475	Significant receivables, which require effective collection to maintain cash flow.
Current Liabilities	286,311	Near-equal to current assets, indicating tight working capital management is critical.
Net Current Assets	1,732	Positive but very slim working capital buffer; potential symptom of tight operational liquidity.
Net Assets (Equity)	2,911	Positive equity base, showing the business is solvent but at an early stage of capital build-up.
Share Capital	100	Minimal share capital, typical for a startup private limited company.
Profit & Loss Reserve	2,811	Retained earnings indicate some profitability or capital injection since inception.

Additional Notes:

• The company is classified as a small private limited company operating in management consultancy (SIC 70229).
• The director and sole significant controller is Ms. Taryn Doreen Sessel, indicating centralized management control.
• The accounts are unaudited abridged, standard for small companies, and no overdue filings or compliance issues are reported.

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3. Diagnosis

Current Financial Condition:
TARYN SESSEL CONSULTING LIMITED’s financial "vital signs" reveal a business in the nascent stage, with initial capital and operational setup underway. The company’s cash position is strong relative to its liabilities, a positive indicator akin to a patient with a robust pulse and stable blood pressure. However, the extremely narrow net current assets margin (working capital) signals potential "symptoms of distress" if cash collection slows or liabilities accelerate unexpectedly. The business is solvent, with positive net assets and no signs of distress or insolvency. The minimal fixed asset base is consistent with a consulting business model that relies more on human capital than physical assets.

The company’s financial statements show compliance with reporting standards and no audit requirement, which is normal for a small entity. Absence of historical profitability data limits deeper trend analysis, but the positive retained earnings suggest initial operational success or capital injections.

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4. Recommendations

To Improve Financial Wellness:

• Enhance Working Capital Management:
  The very slim net current assets indicate a "fragile heartbeat" in liquidity. Focus on accelerating debtor collections and managing payables to maintain and improve this buffer.

• Build Cash Reserves:
  Aim to increase cash holdings to cover at least 3 months of operating expenses to weather potential cash flow fluctuations.

• Monitor and Control Costs:
  Maintain tight control over overheads, especially as the company grows, to avoid liquidity strain.

• Plan for Growth Capital:
  Consider incremental capital injections or retained earnings reinvestment to build equity and support expansion.

• Regular Financial Reviews:
  Conduct quarterly financial health checks to detect early signs of distress and take corrective action promptly.

• Consider Audit or Enhanced Reporting:
  As the company grows, move towards audited accounts for enhanced credibility with clients and financiers.

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