CJS RE INVESTMENTS LTD

Executive Summary

CJS RE INVESTMENTS LTD presents a high-risk profile driven by significant short-term liabilities vastly exceeding current assets and heavy reliance on director funding. While investment properties provide some asset backing and compliance filings are up to date, the company’s liquidity and solvency position appear strained. Further investigation into director loans, cash flow, and asset values is recommended to fully assess financial stability.

CJS RE INVESTMENTS LTD - Analysis Report

Company Number: 13258394

Analysis Date: 2025-07-20 18:06 UTC

1. Risk Rating: HIGH
   The company exhibits a high risk profile primarily due to its significant negative net working capital position and large director's loan balance. The current liabilities greatly exceed current assets, raising solvency and liquidity concerns.

2. Key Concerns:

• Severe Negative Net Current Assets: The company’s net current liabilities are approximately £433,729 for the latest year, indicating potential difficulty in meeting short-term obligations using current assets.
• Large Director’s Loan Account: £435,914 is owed to the director, which is interest-free and repayable on demand. This reliance on director funding poses risk if the director demands repayment or is unable/unwilling to continue support.
• Marginal Net Asset Position: Net assets are modest (£31,018) compared to liabilities, suggesting limited equity buffer and potential vulnerability to asset devaluation or unexpected liabilities.

3. Positive Indicators:

• Investment Property Assets: The company holds tangible fixed assets (investment properties) valued at £465,000, which is stable though slightly reduced from prior year. These assets provide some security backing.
• No Overdue Filings: The company has filed accounts and confirmation statements timely, indicating compliance with statutory requirements.
• Single Experienced Director with Full Control: Ms Camille Jan Slabber appears to manage the company with 100% ownership and voting rights, providing clear leadership and decision-making authority.

4. Due Diligence Notes:

• Investigate the nature and terms of the director’s loan account, including any informal agreements, repayment expectations, or potential risks of demand for repayment.
• Assess the liquidity profile more broadly, including cash flow forecasts and any other sources of working capital beyond the reported balances.
• Verify the valuation methodology for investment properties and any potential risks related to market conditions or property depreciation.
• Clarify the company’s revenue streams and operational sustainability since no turnover or profit figures are disclosed.
• Confirm there are no contingent liabilities or off-balance sheet exposures that could further impair solvency.