WINF LIMITED

Executive Summary

WINF LIMITED is demonstrating good financial health as a micro-entity in its first year, with positive net assets and working capital indicative of sound liquidity and solvency. The company operates with a lean structure typical of IT consultancies, showing no signs of distress but with some modest long-term liabilities to monitor. Maintaining cash flow discipline and prudent growth strategies will be key to sustaining and improving financial wellness.

WINF LIMITED - Analysis Report

Company Number: 14568481

Analysis Date: 2025-07-29 20:26 UTC

Financial Health Assessment for WINF LIMITED

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1. Financial Health Score: B

Explanation:
WINF LIMITED shows a solid and stable financial footing for a micro-entity in its first year of operation. The company has positive net assets and working capital, indicating good short-term liquidity and solvency. However, the absence of fixed assets and zero employees suggests an early-stage or service-based consultancy without significant capital investment yet. The company is not burdened by overdue filings or signs of distress but has some debt beyond current liabilities, which should be monitored.

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2. Key Vital Signs (Core Financial Metrics & Interpretation):

Metric	Value (£)	Interpretation
Fixed Assets	0	No long-term assets—typical for a consultancy or early-stage micro company.
Current Assets	7,691	Healthy short-term resources available; likely cash or receivables.
Current Liabilities	4,169	Debts due within one year appear manageable given current assets, though note the discrepancy in notes.
Net Current Assets	7,496	Positive working capital, indicating the company can meet short-term obligations comfortably.
Creditors > 1 Year	4,169	Long-term liabilities exist but are relatively low; needs monitoring to ensure sustainable repayment.
Net Assets (Equity)	3,327	Positive net worth reflecting shareholder investment and retained earnings or reserves.
Employees	0	No employees, consistent with a consultancy model possibly run by directors or contractors.

Note: The balance sheet shows a small discrepancy in creditors within one year (£195) versus current liabilities (£4,169), likely a reporting detail; the overall net current assets and net assets figures are positive and credible.

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3. Diagnosis: Financial “Health” Overview

WINF LIMITED exhibits the "vital signs" of a financially stable micro-entity at start-up stage. The positive net current assets and net equity ("healthy pulse") indicate the company’s ability to cover short-term debts and maintain solvency. The absence of fixed assets and employees suggests a lean operational model, typical of an IT consultancy which relies on intellectual capital rather than capital-intensive infrastructure.

No overdue filings or penalties indicate good regulatory compliance, which is a positive sign of corporate governance health. The company’s liabilities beyond one year are modest but should be watched carefully to avoid future stress.

The "symptoms" show no immediate distress; however, as the company grows, it should monitor cash flow cycles closely and consider investing in assets or expanding staff prudently to support business growth.

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4. Recommendations: Steps to Enhance Financial Wellness

• Cash Flow Monitoring: Establish rigorous cash flow management practices to maintain the positive working capital and avoid liquidity crunches, especially as liabilities beyond one year exist.

• Business Development: Consider building a client pipeline and diversifying services to increase turnover and generate profits, which will strengthen retained earnings and net assets.

• Asset Investment: Evaluate the need for fixed assets or technology investments that could improve productivity or service delivery if growth plans require.

• Debt Management: Monitor and plan for repayment or restructuring of any long-term liabilities to avoid financial strain.

• Compliance Continuity: Maintain on-time filing of accounts and confirmation statements to avoid penalties and sustain a good reputation with regulators.

• Governance & Controls: As the company expands, consider formalizing internal controls and potentially hiring employees or contractors to spread operational risk and enhance service capacity.

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