BALANCE PLANNING SOLUTION LIMITED

Executive Summary

Balance Planning Solution Limited is a small, micro-entity with a stable but modest financial position and no compliance issues. While it shows sound liquidity and solvency metrics, its operational scale and dependence on director support present potential vulnerabilities. Further due diligence on revenue generation and director backing is recommended to fully assess sustainability risks.

BALANCE PLANNING SOLUTION LIMITED - Analysis Report

Company Number: 12798460

Analysis Date: 2025-07-20 11:55 UTC

1. Risk Rating: LOW
   The company demonstrates modest but stable net assets and working capital with no overdue filings, indicating a low immediate risk profile. The micro-entity status and consistently positive net current assets suggest it is meeting its short-term obligations.

2. Key Concerns:

• Limited Scale and Resources: As a micro-entity with minimal share capital (£1) and only one employee (director), the company’s operational scale is very small, which may limit its ability to absorb shocks or expand.
• Dependence on Director Support: The going concern statement explicitly notes dependence on ongoing director support, indicating potential vulnerability if that support ceases.
• Minimal Financial Disclosure: The accounts provide limited detail on turnover, profitability, and cash flows, restricting deeper analysis of operational stability and cash generation.

3. Positive Indicators:

• Consistent Compliance: All statutory filings, including accounts and confirmation statements, are up to date with no overdue returns or penalties.
• Stable Financial Position: Over the past 4 years, net current assets and net assets remain positive and relatively stable, indicating no deterioration in liquidity or solvency.
• No Indications of Insolvency: There are no signs of liquidation, administration, or director disqualifications, supporting regulatory compliance and governance standards.

4. Due Diligence Notes:

• Review Director’s Financial Support: Investigate the nature and extent of the director’s ongoing financial support and contingency plans if that support ends.
• Examine Revenue and Profitability Trends: Obtain management accounts or additional financial data to assess cash flow generation and operational sustainability beyond balance sheet snapshots.
• Assess Client Base and Contractual Arrangements: Verify the company’s market position and income stability in urban planning and landscape architectural activities, including any dependency on key clients.