TTTIM LIMITED

Executive Summary

TTTIM LIMITED demonstrates a healthy financial foundation typical of an early-stage micro-entity, with positive liquidity and net assets indicating good short-term financial health. Key recommendations focus on managing accrued liabilities, strengthening governance, and maintaining robust financial controls to support sustainable growth and resilience.

TTTIM LIMITED - Analysis Report

Company Number: 14905530

Analysis Date: 2025-07-20 15:17 UTC

Financial Health Assessment for TTTIM LIMITED

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1. Financial Health Score: B

Explanation:
TTTIM LIMITED, a micro-entity incorporated in 2023, presents a solid financial foundation for its early stage with positive net assets and net current assets indicating good short-term liquidity and equity position. However, the limited size, minimal operational history, and presence of accrued liabilities suggest the company is in the early growth phase with some emerging obligations to manage. Thus, a grade B reflects a generally healthy financial status with room for strengthening resilience and operational expansion.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Current Assets	5,759	Represents cash or assets readily convertible to cash; a positive indicator of liquidity.
Current Liabilities	1,389	Short-term debts due within one year; manageable relative to assets.
Net Current Assets (Working Capital)	4,370	Positive working capital; indicates ability to cover short-term obligations comfortably.
Accrued Liabilities	598	Obligations incurred but not paid; requires monitoring to avoid cash flow strain.
Net Assets (Equity)	3,772	Reflects net worth; positive value denotes solvency and shareholder value.
Number of Employees	1	Small operational scale; aligns with micro-entity classification.
Audit Status	Exempt	Micro-entity exemption reduces compliance burden but requires strict internal controls.
Shareholding Concentration	75-100% held by one individual	High control by a single person can streamline decision-making but needs governance oversight.

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3. Diagnosis: Financial Symptoms and Underlying Health

TTTIM LIMITED exhibits symptoms of a financially stable start-up with healthy liquidity and positive net asset position, showing the business is not under immediate financial distress. The working capital is strong, indicating a “healthy cash flow” environment to cover short-term debts and operational expenses.

The presence of accrued liabilities (£598) is a mild symptom of pending cash outflows that must be managed carefully to maintain liquidity. Given the company’s micro status and early incorporation date, the scale of operations is limited, which is typical and not a concern at this stage.

The concentrated ownership and control by a single shareholder/director (who is also the company secretary) suggests a streamlined governance model but highlights the need for clear separation of duties over time as the company grows, to avoid risks associated with single-person control.

The exemption from audit reflects the company's micro size but also means less external scrutiny, making internal controls and accurate record-keeping critical to uncover any hidden financial "symptoms" early.

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4. Recommendations: Path to Financial Wellness

• Monitor and Manage Accrued Liabilities:
  Establish a clear payment schedule and ensure sufficient cash flow forecasting to avoid bottlenecks or liquidity crunches.

• Strengthen Governance Practices:
  As the company grows, consider appointing additional directors or independent advisors to improve oversight and reduce risk associated with single-person control.

• Build Financial Reserves:
  Retain earnings or inject additional capital to build a financial buffer for unexpected expenses or growth opportunities.

• Enhance Financial Reporting:
  Even with audit exemption, implement robust internal financial controls and regular management reviews to track performance and detect financial “symptoms” early.

• Plan for Growth:
  Develop a strategic business plan that aligns with industry activities (real estate renting, IT consultancy), focusing on revenue generation to improve profitability and scalability.

• Compliance Vigilance:
  Maintain timely filing of accounts and confirmation statements to avoid penalties and ensure transparency with stakeholders.

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