TAYLOR GROUP HOLDINGS LIMITED

Executive Summary

TAYLOR GROUP HOLDINGS LIMITED is a newly formed micro-entity holding company with minimal financial activity and a fragile equity position. While compliance is up to date and operations are currently low-risk, the company faces tight liquidity and a high reliance on creditors, indicating vulnerability. Strengthening capital, managing liabilities, and focusing on cash flow will be crucial for improving its financial health as it grows.

TAYLOR GROUP HOLDINGS LIMITED - Analysis Report

Company Number: 14924389

Analysis Date: 2025-07-19 12:40 UTC

Financial Health Assessment for TAYLOR GROUP HOLDINGS LIMITED

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1. Financial Health Score: D

Explanation:
Given that this company is newly incorporated (June 2023) and classified as a micro-entity, the financial data shows minimal activity and a very thin equity base (£100 net assets). The balance sheet reveals a fragile financial structure with current assets almost equal to current liabilities but long-term creditors nearly wiping out the asset base. This suggests early-stage operational setup rather than a mature, financially healthy business. The score reflects caution, indicating the company is in its infancy with limited financial resilience.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Current Assets	34,717	Represents short-term resources (cash, receivables, stock). Adequate for micro-entity startup phase.
Current Liabilities	34,617	Debts due within one year nearly match current assets, indicating tight liquidity ("symptoms of cash flow pressure").
Net Current Assets (Working Capital)	100	Minimal positive working capital, indicating limited buffer to cover short-term debts.
Creditors Falling Due After One Year	34,617	Significant longer-term liabilities almost equal to current assets, suggesting reliance on creditors ("chronic financial stress").
Net Assets (Shareholders Funds)	100	Very low equity base, typical for a newly formed company but signals vulnerability to financial shocks.
Number of Employees	0	No staff yet, consistent with startup phase or holding company status.

Additional Observations:
The company’s SIC code (64209) indicates it is a holding company, which typically holds investments or subsidiaries rather than conducting active trading. This aligns with the low operational activity and financial figures.

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3. Diagnosis

Overall Financial Condition:
TAYLOR GROUP HOLDINGS LIMITED is in its initial stage of development, showing "healthy but fragile" financial signs typical for a startup or holding company with minimal trading activity. The company is managing a tight balance between assets and liabilities, with working capital barely positive. The presence of significant creditors due after one year suggests external funding or obligations that need careful management.

Symptoms of Concern:

• Very low net assets and equity base means little cushion against losses or unexpected expenses.
• Current liabilities nearly equal current assets, indicating the company must carefully manage cash flow to avoid liquidity issues.
• The company has no employees and limited activity, so operational risks are low but growth potential is unproven.

Healthy Signs:

• No overdue filings or penalties, showing good compliance discipline.
• Clear ownership and control by a single director/majority shareholder, which can facilitate swift decision-making.

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4. Recommendations

To improve financial wellness and reduce risks of distress, the company should consider:

1. Strengthen Equity Base:
   Infuse additional capital or retained earnings to boost net assets and provide a buffer against future liabilities.

2. Manage Creditors and Liabilities:
   Negotiate payment terms or reduce long-term creditors where possible to improve financial stability and reduce leverage.

3. Develop Cash Flow Forecasting:
   Implement robust cash flow management practices to ensure liquidity remains sufficient to cover immediate liabilities.

4. Business Activity and Revenue Generation:
   As a holding company, focus on acquiring or managing subsidiaries that can generate income or add asset value.

5. Regular Financial Monitoring:
   Prepare periodic financial reviews beyond statutory filings to detect symptoms of distress early.

6. Consider Audit or Financial Advice:
   Although exempt from audit, obtaining professional financial advice can help identify risks and growth opportunities.

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