TUTORBRIDGE LIMITED

Executive Summary

Tutorbridge Limited demonstrates a sound financial foundation typical of a micro-entity in its first year, with positive net assets and manageable short-term liabilities indicating healthy financial stability. The company should prioritize cash flow management and profitability tracking to sustain and build this financial wellness as it grows. Overall, the business shows encouraging early signs but must maintain vigilance to ensure ongoing financial health.

TUTORBRIDGE LIMITED - Analysis Report

Company Number: 15169221

Analysis Date: 2025-07-20 19:06 UTC

Financial Health Assessment of Tutorbridge Limited (Year ended 30 September 2024)

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1. Financial Health Score: B

Explanation:
Tutorbridge Limited shows a solid foundational financial position for a micro-entity at its first year of operation. Key balance sheet metrics indicate positive net assets and working capital, suggesting a "healthy pulse" in terms of liquidity and solvency. However, the scale of operations is small, with limited fixed assets and current liabilities close to current assets, indicating some caution in cash flow management. The absence of profit and loss data limits a full assessment of profitability and operational efficiency.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Fixed Assets	2,700	Modest investment in long-term assets, typical for a startup or small service business.
Current Assets	11,837	Cash and receivables available to cover short-term obligations—a "healthy cash reservoir."
Current Liabilities	8,914	Short-term debts to be settled within the year; manageable but requires careful cash flow planning.
Net Current Assets	2,923	Positive working capital indicates the company can meet its short-term liabilities comfortably.
Total Assets Less CL	5,623	Indicates overall asset base after covering short-term debts; a positive sign of financial stability.
Net Assets (Equity)	5,119	Represents the owner's residual interest; positive net assets confirm solvency at year-end.
Number of Employees	1	Sole director and likely owner-operator; typical for micro-entities.
Control and Governance	75-100% ownership by director	Single owner/director with full control; decision-making is centralized, which can be efficient but also risky if lacking oversight.

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3. Diagnosis

Tutorbridge Limited is in its infancy as a micro-entity within the education sector (SIC code 85590). The balance sheet reveals a company with a stable financial "heartbeat"—positive net assets and working capital are encouraging signs that the company can meet its short-term obligations without distress.

The "symptom" of modest fixed assets combined with positive net current assets suggests the business is likely service-oriented, relying more on skills and intellectual capital than heavy investment in physical assets.

The current liabilities relative to current assets indicate there is not a large buffer of liquidity, so cash flow management will be critical to avoid any liquidity "crisis." The single director and sole shareholder structure means governance is straightforward but places the onus of financial health squarely on one individual.

As a newly incorporated company with accounts prepared under micro-entity provisions, the absence of detailed profit/loss information and cash flow statements limits insight into operational profitability and cash generation. However, the company's compliance with filing deadlines and no indication of overdue returns suggests good administrative health.

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4. Recommendations

• Cash Flow Monitoring: Maintain strict control over cash flow to ensure the company can meet its short-term liabilities as they fall due. Consider preparing monthly cash forecasts to anticipate any liquidity shortfalls.
• Profitability Tracking: Even at a micro level, develop simple profit and loss tracking to understand revenue streams, cost drivers, and breakeven points. This will help detect any early "symptoms" of financial distress.
• Build Reserves: Aim to increase net current assets over time to create a stronger liquidity cushion for unforeseen expenses or growth investment.
• Governance & Risk Management: Since control is highly concentrated, consider periodic external advice or peer review to mitigate risks of oversight or operational blind spots.
• Growth Planning: Explore opportunities for scaling while managing risk prudently. Investment in marketing or service development could be balanced against cash availability.
• Compliance Vigilance: Continue timely filing of accounts and confirmation statements to avoid penalties and maintain good standing.

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