Company Number: 14923508

Analysis Date: 2025-07-19 12:21 UTC

1. Risk Rating: LOW
   J C Planning Consultancy Ltd presents a low risk profile based on the available data. The company is newly incorporated with a strong net asset position relative to current liabilities, no overdue filings, and positive working capital. The financials show prudent management of liabilities and good cash reserves.

2. Key Concerns:

• Limited operating history: Incorporated in June 2023, the company has just one financial period completed, limiting the ability to assess long-term operational stability.
• Director loan balance: The company owes the director £12,428 at year end, which could indicate reliance on director financing that should be monitored for potential repayment risk.
• Minimal share capital: Only £2 in share capital was issued, which is low and may limit equity buffer in adverse scenarios.

3. Positive Indicators:

• Strong liquidity position: Cash of £96,018 compared to current liabilities of £33,408 gives a healthy current ratio and net current assets of £62,610.
• Positive net assets and shareholders’ funds (£63,160) indicate the company is solvent with a solid equity base.
• No overdue statutory filings and active status show good compliance and governance.
• Single director and 75-100% ownership by one individual ensures clear control and accountability.
• The company operates in “Other engineering activities” which typically involves professional services with potentially low fixed asset intensity, consistent with the low tangible fixed assets reported.

4. Due Diligence Notes:

• Verify the nature and terms of the director’s loan to assess repayment plans and impact on liquidity.
• Investigate revenue recognition and contract backlog to evaluate sustainability of income beyond the initial period.
• Review any contingent liabilities or off-balance sheet commitments not disclosed in the accounts.
• Monitor for future filings to ensure continued compliance and to assess operational trends as more data becomes available.
• Confirm no related party transactions that could distort financial position or performance.