Company Number: 14923927

Analysis Date: 2025-07-19 12:15 UTC

1. Risk Rating: LOW
   AJ & BD SERVICES LIMITED demonstrates a solid liquidity position with net current assets of £26,469 against current liabilities of £61,396 for its first 13-month period. The company is newly incorporated (June 2023), active, and compliant with filing requirements. Its micro-entity status limits disclosure but shows no immediate solvency or regulatory red flags.

2. Key Concerns:

• Limited financial history due to recent incorporation restricts long-term risk assessment.
• Relatively modest working capital buffer (£26,469 net current assets) may be sensitive to operational shocks.
• Single director and 75-100% shareholder concentration could present governance or succession risks.

3. Positive Indicators:

• Current assets exceeding current liabilities indicate positive short-term liquidity.
• No overdue filings or compliance issues reported; good regulatory standing.
• Employment of 7 staff suggests some operational scale beyond a sole proprietor setup.

4. Due Diligence Notes:

• Review detailed financial performance and cash flows as subsequent accounts become available.
• Assess business model sustainability given SIC code 47990 (other retail sales not in stores); verify revenue sources and margins.
• Monitor director’s background and governance arrangements given sole control and shareholding.
• Confirm absence of contingent liabilities or off-balance-sheet risks.