TJ BHOSS LIMITED

Executive Summary

TJ BHOSS LIMITED exhibits a strong and improving financial position with healthy liquidity and growing net assets, typical of a well-managed micro-entity in the real estate sector. While the company’s financial health is sound, greater transparency and proactive management of minor cash flow nuances will enhance long-term stability and support potential growth.

TJ BHOSS LIMITED - Analysis Report

Company Number: 13063516

Analysis Date: 2025-07-20 12:53 UTC

Financial Health Assessment for TJ BHOSS LIMITED

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1. Financial Health Score: B

Explanation:
TJ BHOSS LIMITED demonstrates a solid and improving financial position, reflected in growing net assets and positive working capital over recent years. The absence of liabilities beyond one year and no indication of overdue filings or financial distress are positive signs. However, the company operates as a micro-entity with relatively modest asset size and limited complexity, so while financially stable, it has room for further strengthening of its balance sheet and operational transparency (e.g., absence of profit and loss detail).

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2. Key Vital Signs

Metric	2024 Value (£)	Interpretation
Current Assets	140,768	Healthy liquidity buffer, mainly short-term assets likely cash or receivables.
Current Liabilities	43,617	Manageable short-term obligations, not excessive compared to assets.
Net Current Assets	97,151	Positive working capital, indicating the company can comfortably cover short-term debts.
Net Assets (Equity)	97,151	Growing shareholder equity over 4 years shows retained profitability or asset appreciation.
Share Capital	1,000	Minimal initial capital investment, typical for micro-entities.
Directors Loan Account	Overdrawn £1,971	Small interest-free loan, manageable but should be monitored for cash flow effects.
Employees	0	No employees reported; company likely asset-based without operational staff overheads.

Additional Notes:

• No audit required under micro-entity exemption, but limited disclosure reduces insight into income and expenses.
• Directors actively involved, with one significant shareholder controlling 75-100% shares, indicating concentrated ownership and decision-making.

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3. Diagnosis: What the Financial Data Reveals About Business Health

Healthy Cash Flow and Liquidity:
The company shows a strong cash-like asset position relative to short-term liabilities, suggesting good short-term liquidity and no immediate cash flow distress. The positive working capital is akin to a healthy pulse, indicating the company can meet its current obligations without strain.

Asset Growth and Capital Stability:
Net assets have increased by about 37% from £70,785 in 2023 to £97,151 in 2024, demonstrating an accumulation of retained earnings or asset appreciation. This steady growth is a positive sign of financial resilience and prudent management, much like gradual strengthening of heart muscles in response to exercise.

Low Operational Complexity:
With no employees and minimal capital, the company likely operates as a property holding or letting entity (supported by SIC code 68209). This model typically involves low overhead and steady income streams, but also limited growth drivers.

Minor Symptom - Directors Loan Account:
The overdrawn director’s loan account (£1,971) is a mild symptom of potential cash flow management nuances. While not alarming, this requires attention to ensure it doesn't become a chronic issue.

Limited Transparency:
The absence of profit and loss details constrains full diagnostic clarity. This is common in micro-entities but limits insight into revenue stability or expense management.

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4. Recommendations: Specific Actions to Improve Financial Wellness

1. Enhance Financial Transparency:
   Consider voluntarily providing a simple profit and loss account or management accounts to key stakeholders. This will enable better monitoring of operational performance and early detection of issues.

2. Monitor Director Loan Account:
   Regularly reconcile and manage the director’s loan account to avoid build-up of overdrafts which could impair liquidity.

3. Build Capital Buffer:
   Though net assets are growing, consider strategies to further strengthen equity, such as retaining more profits or injecting additional capital if expansion is planned.

4. Plan for Operational Scale:
   If future growth is desired, evaluating the need for employees or external management might be necessary to sustain operations and unlock new revenue streams.

5. Maintain Compliance and Filing Discipline:
   Continue timely filing of accounts and confirmation statements to avoid penalties and maintain good standing.

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