UNIVERSAL CALIBRATION & GEO LTD

Executive Summary

UNIVERSAL CALIBRATION & GEO LTD shows a healthy early-stage financial profile with positive liquidity and equity positions, typical of a micro-entity startup. The company’s financial vital signs indicate stability, but medium-term liabilities require active management to avoid future strain. With prudent cash flow management and strategic growth planning, the company is well placed to strengthen its financial health and operational footing.

UNIVERSAL CALIBRATION & GEO LTD - Analysis Report

Company Number: 14409693

Analysis Date: 2025-07-29 15:41 UTC

Financial Health Assessment Report: UNIVERSAL CALIBRATION & GEO LTD
As of Financial Year End 31 October 2023

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1. Financial Health Score: B

Explanation:
This company demonstrates a sound financial position for a micro-entity start-up, with positive net assets and solid working capital. However, the presence of medium-term liabilities and a modest asset base suggest cautious optimism rather than full financial robustness. The score "B" indicates generally healthy financial vital signs but with areas needing vigilance and improvement.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Fixed Assets	11,212	Modest investment in long-term assets, typical for a new micro business.
Current Assets	25,538	Healthy short-term resources, including cash and receivables.
Current Liabilities	8,386	Obligations due within one year; manageable relative to current assets.
Net Current Assets	17,152	Strong working capital, indicating a "healthy cash flow" buffer to cover short-term debts.
Creditors > 1 year	9,757	Medium-term obligations; requires monitoring to ensure timely repayment.
Total Net Assets	17,857	Positive equity base shows company value exceeds liabilities.
Shareholders Funds	17,857	Indicates owners’ stake is intact and reflects accumulated funds.
Average Employees	2	Small operational scale consistent with micro-entity status.

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3. Diagnosis: What the Financial Data Reveals

• Overall Condition: The company’s balance sheet shows no symptoms of financial distress. The positive net current assets and net assets indicate operational liquidity and solvency, akin to a patient with stable vital signs.
• Liquidity Status: With current assets significantly exceeding current liabilities, the company has a "healthy cash flow" state to meet short-term obligations without strain. This is a good sign for ongoing operational stability.
• Leverage and Debt: The presence of creditors due beyond one year (about £9,757) constitutes medium-term liabilities that the company must manage prudently. While not excessive for the size, it highlights the need to monitor debt servicing capacity.
• Growth Stage: Given incorporation in late 2022 and micro-entity classification, the company is in early growth with limited fixed assets and a small workforce. This is a typical "startup phase" profile, with the balance sheet reflecting initial investments and seed capital.
• Governance and Control: The company shows a clear management structure with directors and a secretary appointed, and shareholders with significant control well documented, supporting sound governance practices.

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4. Recommendations: Specific Actions to Improve Financial Wellness

• Maintain Robust Working Capital: Continue to monitor receivables and payables to preserve the positive net current assets that act as the company’s liquidity lifeline. Consider cash flow forecasting to anticipate any seasonal or unexpected liquidity needs.
• Manage Medium-Term Debt: Develop a clear repayment plan for creditors payable beyond one year. Avoid accumulating new long-term debt without assessing impact on cash flow and solvency.
• Build Asset Base Prudently: Gradually increase fixed assets aligned with operational needs and revenue growth to avoid overextension. Investments should aim to improve efficiency and service capability.
• Enhance Profitability Tracking: Though detailed profit & loss data is limited, focus on tracking margins and operational costs to identify and treat any "symptoms of distress" early.
• Strengthen Governance: Ensure directors and management maintain clear oversight of financial performance and compliance, including timely filing of accounts and statutory returns, which are currently up to date.
• Plan for Growth: As a micro-entity in a competitive sector (motor vehicle maintenance and repair), consider strategic planning for scaling up operations, including workforce and capital investments, while maintaining financial discipline.

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