J C PLANNING CONSULTANCY LTD

Executive Summary

J C Planning Consultancy Ltd is a newly formed private limited company showing a strong liquidity and solvency position with no overdue filings or governance issues. The main risks relate to limited operating history and director loan balances requiring monitoring. Overall, the company appears financially stable with prudent management in its first year of operation.

J C PLANNING CONSULTANCY LTD - Analysis Report

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.