Sample report — Business Health Check

Wrenfield Joinery Ltd, worked through.

This is what the £450 Business Health Check looks like when it arrives: the findings, the citations, and the register at the back that lets a sceptical reader check every line. Read it before you spend anything.

Wrenfield Joinery Ltd is fictitious. Every company, figure, address and document reference on this page is invented for the sample. The structure, the method and the citation format are exactly what a real report delivers.

  • Fictitious company
  • Invented figures
  • Real structure
  • Real citation format

Every number below is invented —
the method is the product.

01

The position, at a glance

Four numbers, four sources

−4.2 pts

gross margin over three filed years

Accounts FY22–FY25

1 new

all-monies charge over the only freehold, Mar 2025

MR01 · 0482 7719 0003

5 → 12 mo

accounts filed ever later after year end

Filing history 2022–25

0

charges at the nearest competitor, five years running

Hollowbeck charges register

Gross margin, side by side Wrenfield vs Hollowbeck Interiors · %

34% 31% 28% 34.1% 27.6% FY22 FY23 FY24 FY25
  • Wrenfield Joinery
  • Hollowbeck Interiors

Months from year end to filing later every year — discipline slips before the numbers do

12 8 4 5 7 8 12 FY22 FY23 FY24 FY25

FY25 filed twelve days before the statutory deadline

The findings behind the numbers

One per card, cited beneath
Finding 01

Gross margin has drifted 4.2 points in three years

Turnover held near £1.9m while cost of sales rose every year: margin fell 31.8% → 27.6%. No single filing mentions it; the four together state it.

Source: full accounts FY2022–FY2025, filed 09 Nov 2022 – 14 Nov 2025 · read 24 Aug 2026
Finding 02

A fixed charge was registered in March 2025

Registered 11 Mar 2025 in favour of Midshire Commercial Finance, over the company's only freehold — securing 'all monies'. The accounts filed eight months later never mention it.

Source: charge code 0482 7719 0003 (MR01), registered 11 Mar 2025 · read 24 Aug 2026
Finding 03

Filing dates are slipping later each year

Five, seven, eight, then twelve months after year end. The direction is the finding — discipline usually slips before the numbers do.

Source: filing history, five filings 2022–2025 · read 24 Aug 2026
Finding 04

Competitor A carries no debt and is accumulating cash

Cash up five years running, creditors down, no charges. Read beside Findings 01–02: Hollowbeck is the party that can wait out a price war.

Source: Hollowbeck Interiors Ltd, full accounts FY2021–FY2025 and clear charges register · read 24 Aug 2026
Finding 05

Competitor B could not be fully read — and that is stated, not padded

Gable End files micro-entity accounts — no turnover, no profit, no comparison. The report says so, and reads what does exist, rather than dressing thin evidence as thick.

Source: Gable End Fit-Out Ltd, micro-entity accounts FY2023–FY2025; officers register · read 24 Aug 2026

A claim, a source, a date —
every line of it.

02

The findings register

The page a lender turns to first

Every claim in the report, in one table, with its source document and the date it was read. Nothing in the report rests on my say-so — if a line cannot appear here, it does not appear at all.

No.ClaimSourceDate read
01Gross margin fell 31.8% → 27.6% over FY2022–FY2025Full accounts ×4, Companies House24 Aug 2026
02All-monies fixed charge over 4 Fenwick Trading EstateMR01, charge 0482 7719 000324 Aug 2026
03Accounts filed 5 → 12 months after year end, worsening yearlyFiling history 2022–202524 Aug 2026
04Hollowbeck Interiors: rising cash, nil charges, five yearsHollowbeck full accounts FY2021–FY202524 Aug 2026
05Gable End Fit-Out unreadable beyond officers and chargesMicro-entity accounts FY2023–FY202524 Aug 2026
03

What the real one adds

£450 · five working days

The real report runs to roughly twice this length: five years of your filings and three competitors’ in full, every charge and commitment listed, and a thirty-minute walkthrough call included. The company is yours, the comparators are the rivals you actually lose work to, and the register at the back covers every claim made.

The promise the sample demonstrates. If a filing could not be read — abbreviated accounts, a micro-entity rival — the report says so, as Finding 05 does here, rather than papering over it. Thin evidence labelled thin is still evidence; thin evidence dressed as thick is the thing this practice exists to replace.