Company Number: 13107035

Analysis Date: 2025-07-20 13:02 UTC

Financial Health Assessment for WIN-FIT PERSONAL TRAINING LTD

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1. Financial Health Score: D

Explanation:
The company shows significant signs of financial distress compared to the previous period. While still solvent, the sharp drop in net assets and working capital signals potential liquidity and operational challenges. This score reflects a company currently struggling to maintain financial stability but not yet insolvent.

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2. Key Vital Signs

Metric	2023 Figure	2022 Figure	Interpretation
Fixed Assets	£323	£538	Slight reduction; minimal impact on asset base.
Current Assets	£559	£7,423	Drastic decline; major warning about cash or receivables availability.
Current Liabilities	£198	£2,705	Significantly reduced short-term debts; possibly due to lower operations or debt repayment.
Net Current Assets	£361	£4,718	Sharp decline; less buffer to meet short-term obligations.
Total Assets Less Current Liabilities	£684	£5,256	Big drop; fewer assets available after settling short-term debts.
Net Assets (Shareholders Funds)	£383	£4,811	Steep decrease; equity significantly impaired, indicating accumulated losses or withdrawals.
Average Employees	1	1	Stable, very small workforce.

Interpretation of Vital Signs ("Vital Signs"):
The company’s "healthy cash flow" appears compromised given the collapse of current assets from £7,423 to £559. This is akin to a patient losing blood rapidly — the business no longer has sufficient liquid resources to operate comfortably. While liabilities have also decreased, the proportional shrinkage in assets is much larger, indicating a possible contraction in sales, collections, or business activities. The "net current assets," representing working capital, have diminished drastically, reducing the company’s capacity to cover day-to-day expenses without strain.

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3. Diagnosis: Financial Condition Overview

WIN-FIT PERSONAL TRAINING LTD shows symptoms of financial distress. The drastic reduction in current assets and net assets over a single year suggests a significant operational downturn or cash flow crisis. This may stem from reduced client activity, delayed payments, or increased costs not reflected in liabilities.

The company remains solvent with positive net assets (£383) and positive working capital (£361), but the sharp deterioration in these "vital signs" is a red flag. It indicates the company is struggling to maintain "healthy cash flow" and may face challenges meeting short-term obligations if the trend continues.

The minimal fixed assets and small workforce are consistent with a micro-entity fitness business, but the lack of growth or recovery suggests stagnation or decline.

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4. Recommendations: Action Plan for Financial Wellness

1. Cash Flow Management:
   Implement rigorous cash flow forecasting and tighten credit control to ensure timely collection of receivables. Consider negotiating better payment terms with suppliers to ease short-term liquidity pressures.

2. Revenue Enhancement:
   Explore ways to increase client acquisition or retention, such as promotional offers, diversified service packages, or partnerships with local businesses to boost income streams.

3. Cost Control:
   Review operating expenses closely for possible reductions without compromising service quality. This includes evaluating fixed costs and discretionary spending.

4. Financial Monitoring:
   Establish monthly financial health check-ups to monitor key metrics (working capital, cash reserves) and detect early warning signs ("symptoms") of financial strain.

5. Seek Professional Advice:
   If liquidity issues persist, consider consulting a financial advisor or insolvency practitioner early to explore restructuring options or alternative financing to avoid crisis.

6. Build Reserves:
   Aim to rebuild cash reserves gradually to create a buffer ("financial immunity") against future shocks.

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