F&J CONSULTANCY LTD

Executive Summary

F&J Consultancy Ltd is a newly formed, small-scale IT consultancy exhibiting sound short-term liquidity and timely statutory compliance with no immediate financial distress signals. However, limited operating history and small asset base warrant monitoring of future financial performance and governance dynamics. Overall, the company presents a low risk profile based on current data but should be subject to ongoing review as more operational data becomes available.

F&J CONSULTANCY LTD - Analysis Report

Company Number: 15111723

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

1. Risk Rating: LOW

Justification: F&J Consultancy Ltd is a newly incorporated private limited company with no indication of overdue filings or compliance issues. The balance sheet as at 30 September 2024 shows positive net current assets (£11,165) and net assets (£13,760) with no apparent liabilities beyond current creditors. The company remains active and has filed accounts and confirmation statements on time.

2. Key Concerns:

• Limited operating history: Incorporated in September 2023, the company has less than two years of operational history, limiting the ability to assess long-term operational stability or financial trends.
• Small scale and asset base: With fixed assets of only £2,595 and current assets of £23,442, the company operates on a small scale, which may expose it to volatility in cash flow or unexpected expenses.
• Concentrated ownership and control: Both directors are also significant shareholders (each holding 25-50%), which may lead to governance risks if conflicts arise, although this is common in small private companies.

3. Positive Indicators:

• Timely compliance: No overdue accounts or confirmation statements, demonstrating good governance and regulatory compliance to date.
• Positive net working capital: Current assets exceed current liabilities by a healthy margin, indicating reasonable short-term liquidity.
• Clear management structure: Two directors and one secretary appointed at incorporation, with no indication of director disqualifications or governance red flags.

4. Due Diligence Notes:

• Review detailed profit and loss data and cash flow statements, if available, to assess operating performance and cash generation beyond the balance sheet snapshot.
• Monitor future filings for growth trends, profitability, and any changes in financial position.
• Evaluate the nature of current liabilities to understand payment terms and any contingent liabilities.
• Understand the business model and client base within the IT consultancy sector (SIC 62020) to assess revenue sustainability and market risks.