THE HUMBLE TABLE LTD

Executive Summary

THE HUMBLE TABLE LTD, a newly formed micro-entity in the hospitality sector, shows early signs of financial stability with positive net assets but operates on a very tight liquidity margin. While there are no immediate distress symptoms, the company’s financial health is fragile and requires careful cash flow management and growth focus to strengthen its position. Prompt actions to build cash reserves and monitor operations will enhance resilience and support sustainable development.

THE HUMBLE TABLE LTD - Analysis Report

Company Number: SC784761

Analysis Date: 2025-07-20 18:56 UTC

Financial Health Assessment of THE HUMBLE TABLE LTD

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1. Financial Health Score: C

Explanation:
As a newly incorporated micro-entity with minimal operating history (incorporated Oct 2023), THE HUMBLE TABLE LTD shows very early-stage financials. The company has positive net current assets and net equity, indicating no immediate liquidity distress, but the margins are very thin. The micro-entity status limits the level of detail available. Overall, the company is in a fragile but stable condition, typical for a start-up in the hospitality sector.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Current Assets	8,231	Cash and short-term assets are modest.
Current Liabilities	7,902	Short-term debts almost match assets, tight liquidity.
Net Current Assets (Working Capital)	329	Positive but very slim buffer to cover current debts.
Net Assets (Equity)	329	Small equity base, reflecting early-stage capital.
Average Employees	2	Small workforce, manageable overheads.

• Liquidity "Vital Sign": Net current assets of £329 indicate a very narrow margin of safety for paying short-term obligations. This is akin to a patient with a slightly elevated heart rate—a sign to monitor closely but not immediately alarming.
• Solvency "Vital Sign": Positive net assets suggest no insolvency symptoms at this point, but very limited financial "reserves" to absorb shocks.
• Operational Scale: Small team and micro-entity status imply limited operational scale and risk exposure.

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3. Diagnosis

THE HUMBLE TABLE LTD is in the early stages of its financial life cycle, showing initial "vital signs" of stability but with symptoms typical of a start-up:

• Healthy Signs: Positive net current assets and equity, no overdue filings, two directors with clear ownership and control, and compliance with reporting deadlines.
• Symptoms of Financial Fragility: Very slim working capital margin means the company has minimal buffer against unexpected expenses or downturns. This is like a patient with low blood pressure—functioning but easily destabilized.
• Operational Risks: As an unlicensed restaurant/cafe, the company operates in a competitive, cash-flow sensitive industry where early cash flow management is critical.
• Growth Stage: The balance sheet figures are minimal, consistent with a company in incubation phase, relying heavily on initial capital and early revenues.

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4. Recommendations

To improve the financial wellness and stability of THE HUMBLE TABLE LTD, consider the following actions:

• Strengthen Cash Reserves: Aim to increase cash and liquid assets to build a healthier working capital cushion. This reduces risk of liquidity distress if expenses or delays in revenue occur.
• Monitor and Control Costs: Keep a close watch on operating expenses and supplier credit terms to avoid cash flow "arrhythmias."
• Revenue Growth Focus: Develop strategies to build steady and growing revenue streams—diversify offerings or enhance marketing to increase customer base.
• Regular Financial Review: Implement monthly cash flow forecasts and management accounts to detect financial "symptoms" early.
• Explore Additional Capital: If feasible, raising additional equity or short-term financing may provide a buffer to support growth and unexpected costs.
• Compliance Vigilance: Maintain timely filings and director oversight to avoid regulatory "infections" such as penalties or reputational damage.

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