CELEBRATION OF LIFE PLANNING LTD

Executive Summary

Celebration Of Life Planning Ltd shows a solid financial position with robust liquidity and growing equity, underpinned by compliance with regulatory filings and stable management. Key caution points include a sizable related-party debtor balance and a recent marked increase in current liabilities, which merit further investigation to ensure ongoing operational and financial stability. Overall, the company presents a low risk profile based on available data.

CELEBRATION OF LIFE PLANNING LTD - Analysis Report

Company Number: 12631930

Analysis Date: 2025-07-29 20:22 UTC

1. Risk Rating: LOW
   The company demonstrates strong liquidity and solvency metrics with growing shareholders’ funds and net current assets. It has timely filings and no indications of regulatory or operational distress.

2. Key Concerns:

• Significant increase in current liabilities in the latest year, rising from £125.6k to £318.8k, which may warrant monitoring for any concentration or short-term repayment risks.
• Debtors include a large amount (£135k) due from a related party (parent company), raising dependency concerns on intra-group balances.
• The company operates in a niche and sensitive sector (funeral services), which may face regulatory scrutiny and reputational risks, though no issues are evident to date.

3. Positive Indicators:

• Strong cash position (£295k) and positive net current assets (£125k), indicating good liquidity to meet short-term obligations.
• Consistent growth in shareholders’ funds from £90k (2024) to £162k (2025), reflecting profitability and retained earnings accumulation.
• Fully compliant with filing deadlines for accounts and confirmation statements, showing good governance and regulatory compliance.
• Stable management team with directors appointed since incorporation and no disqualifications reported.
• The company benefits from a related parent entity, possibly providing operational or financial support.

4. Due Diligence Notes:

• Review the nature and collectability of the large debtor balance due from the parent company to assess any credit risk or intercompany financing arrangements.
• Analyze the composition of current liabilities, particularly the large increase in “Other creditors” (£151k), to understand payment terms and any contingent exposures.
• Verify the company’s revenue streams and profitability trends, as the profit and loss account is not publicly filed, to confirm operational sustainability.
• Assess any sector-specific regulatory requirements or compliance risks related to funeral services and prepaid cremations.
• Clarify the company’s business model and customer base to evaluate demand stability and competitive pressures.