VIKTORIA PROPERTY INVESTMENT LTD

Executive Summary

VIKTORIA PROPERTY INVESTMENT LTD demonstrates strong liquidity and growing net assets, reflecting a stable and healthy financial position typical for a micro-entity in property investment. While the company operates with minimal complexity and no employees, its financial vitals indicate robustness with manageable long-term liabilities. Continued prudent financial management and consideration of growth strategies will support sustained wellness and resilience.

VIKTORIA PROPERTY INVESTMENT LTD - Analysis Report

Company Number: 13556146

Analysis Date: 2025-07-20 18:26 UTC

Financial Health Assessment: VIKTORIA PROPERTY INVESTMENT LTD (As at 31 August 2024)

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1. Financial Health Score: B

Explanation:
The company shows strong liquidity and solid net asset growth over two years, indicating good financial stability. However, it carries a fixed long-term liability of £20,000 and has no reported employees or audited accounts, which warrants cautious optimism. The "B" grade reflects a generally healthy financial condition with room for improvement in transparency and operational scale.

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2. Key Vital Signs

Metric	2024 Value (£)	Interpretation
Current Assets	126,403	Healthy level of short-term assets available for operations.
Current Liabilities	20,000	Manageable short-term debts relative to assets.
Net Current Assets (Working Capital)	124,144	Strong positive working capital, indicating liquidity strength.
Total Assets Less Current Liabilities	124,144	Indicates the company owns more assets than short-term debts.
Creditors Falling Due After 1 Year	20,000	Long-term liability present but relatively low.
Net Assets / Shareholders' Funds	104,144	Equity position is positive and growing (2023: £66,750).
Average Number of Employees	NIL	No employees; business likely owner-operated or asset-holding.
Audit Status	Exempt (Micro)	No audit due to size; limits external financial scrutiny.

Interpretation:
The company’s liquidity ("healthy cash flow") is strong with significant current assets exceeding liabilities. The increase in net assets from £66,750 in 2023 to £104,144 in 2024 is a positive "heartbeat," showing capital accumulation and possibly retained earnings or asset appreciation. The presence of a £20,000 long-term creditor is a manageable "chronic condition" but should be monitored.

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3. Diagnosis

Financial Condition:
VIKTORIA PROPERTY INVESTMENT LTD is in a stable financial condition. The company’s "vital signs" suggest it maintains a robust liquidity position, with working capital significantly exceeding current liabilities. The growth in net assets highlights retained profitability or asset value increase. The absence of employees and audit exemptions are typical for micro-entities but indicate a lean operation, possibly focused on property holdings rather than active trading.

Underlying Symptoms:

• Positive net current assets indicate no immediate liquidity distress.
• Long-term liabilities are limited and under control, not imposing excessive financial strain.
• No employees and micro-entity status suggest low operational complexity but also limited scale.
• No auditor involvement limits external assurance but is standard for micro companies.

Overall, the company exhibits "healthy financial vitals" typical of a small property investment business managing its assets prudently.

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4. Recommendations

To maintain and improve financial wellness, consider the following:

• Monitor Long-Term Debt: Although the £20,000 creditor is manageable, review repayment terms and interest rates regularly to avoid any future cash flow strain.
• Build Operating Reserves: Continue to grow liquid reserves to buffer against market fluctuations, especially in real estate.
• Consider Auditing or Review: While exempt, occasional external financial reviews or audits can enhance credibility, particularly if seeking finance or partners.
• Explore Growth Opportunities: With no employees, assess whether operational expansion or outsourcing could increase revenue and asset utilization.
• Maintain Compliance: Ensure timely filing of accounts and confirmation statements to avoid penalties and preserve company status.
• Risk Management: Regularly evaluate property market risks and diversify holdings if possible to reduce exposure.

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