THE GRUMPY GOAT BARDWELL LIMITED

Executive Summary

THE GRUMPY GOAT BARDWELL LIMITED is financially stable with positive working capital and net assets, indicating good liquidity and operational footing. However, medium-term liabilities require careful management to avoid future strain. Continued focus on cash flow and asset growth will enhance the company’s financial health and resilience.

THE GRUMPY GOAT BARDWELL LIMITED - Analysis Report

Company Number: 14554854

Analysis Date: 2025-07-20 11:23 UTC

Financial Health Assessment of THE GRUMPY GOAT BARDWELL LIMITED

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1. Financial Health Score: B

Explanation:
The company shows a generally sound financial position with positive net current assets and net assets, indicating liquidity and a buffer against short-term obligations. However, the presence of long-term creditors and a relatively low asset base compared to liabilities signals some caution. Overall, the company is financially stable but should monitor its indebtedness and asset growth to maintain health.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Fixed Assets	2,933	Small asset base, typical for a micro-entity in hospitality (public house). Indicates limited long-term investments.
Current Assets	20,911	Healthy short-term resources, primarily cash or receivables, supporting day-to-day operations.
Current Liabilities	15,161	Current debts due within one year; manageable given current assets, but notable.
Net Current Assets	5,750	Positive working capital – "healthy cash flow" symptom, able to cover short-term obligations.
Creditors (due after 1 year)	5,862	Medium-term liabilities exist; need to monitor to avoid "chronic distress" from long-term debt.
Net Assets (Shareholders' Funds)	2,821	Positive equity, though modest, indicating the company holds residual value after liabilities.
Number of Employees	17	Reasonable staffing level for a micro-company, reflecting operational scale.
Account Category	Micro	Simplified reporting but limits detailed financial disclosure; careful interpretation needed.

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3. Diagnosis

The Grumpy Goat Bardwell Limited's financial "vital signs" indicate a company in relatively good shape for its size and age (incorporated late 2022). The positive net current assets show the company has a good "pulse" of liquidity, meaning it can meet its immediate financial obligations without distress.

However, the presence of significant creditors falling due after one year (£5,862) is a "symptom" that warrants attention. While not alarming at this stage, long-term liabilities could become a source of financial strain ("chronic condition") if not managed prudently.

The company's limited fixed assets suggest a focus on operational rather than capital-intensive activities, typical for a public house/bar. The modest net assets and shareholders' funds reflect the company's early stage and guarantee structure (no share capital, limited liability by guarantee), implying members' liability is limited to a nominal amount.

The absence of an audit and reliance on micro-entity reporting standards means some financial detail is unavailable, so continuous monitoring of cash flows and creditor terms is essential.

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4. Recommendations

• Manage Long-term Liabilities: Review and, if possible, restructure or reduce creditors falling due after one year to prevent long-term financial strain.
• Enhance Asset Base: Consider reinvesting profits into fixed assets or improvements to strengthen the company's capital foundation and resilience.
• Maintain Positive Working Capital: Continue to monitor current assets vs. current liabilities closely to ensure ongoing liquidity — the company’s "heartbeat."
• Cash Flow Monitoring: Implement regular cash flow forecasts to anticipate any shortfalls or timing mismatches, ensuring "healthy circulation" of funds.
• Governance and Reporting: Although exempt from audit, consider voluntary enhanced internal controls or periodic reviews to catch early "symptoms" of financial distress.
• Growth Strategy: Explore opportunities to increase revenue or diversify income streams, which would improve net assets and reduce dependency on creditor financing.

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