J ROBERTS PSYCHOLOGY LTD

Executive Summary

J ROBERTS PSYCHOLOGY LTD is a very recently established micro-entity operating in educational support services with a sole director/shareholder. The financial snapshot reveals a negative net asset position and current liabilities exceeding current assets, signalling solvency and liquidity risks at this early stage. While compliance with filing obligations is maintained and professional expertise is evident, the company’s operational sustainability and financial stability warrant close monitoring and further investigation.

J ROBERTS PSYCHOLOGY LTD - Analysis Report

Company Number: 15255092

Analysis Date: 2025-07-29 20:04 UTC

1. Risk Rating: HIGH
   The company shows a negative net asset position and liabilities exceeding assets, indicating solvency concerns. The business is newly incorporated with minimal financial history, increasing uncertainty around operational stability.

2. Key Concerns:

• Negative net assets of £1,048 suggest the company is currently insolvent on a balance sheet basis.
• Current liabilities (£1,334) exceed current assets (£685), indicating liquidity strain and potential cashflow difficulties.
• The company is very new (incorporated November 2023) with only one employee and limited operational track record, raising questions about sustainability.

3. Positive Indicators:

• The sole director and controlling shareholder is a chartered psychologist, suggesting relevant professional expertise aligned with the company’s business (educational support services).
• Filing deadlines for both accounts and confirmation statements are up to date with no overdue filings, indicating compliance with statutory requirements.
• The micro-entity status limits complexity and reporting burdens, which could be appropriate for the company’s size and stage.

4. Due Diligence Notes:

• Investigate nature and timing of liabilities, especially the creditor amount of £1,334 falling due after more than one year reported in the accounts, to clarify financial commitments.
• Review cash flow forecasts and funding arrangements to assess how the company plans to address the current negative net asset position and cover short-term obligations.
• Confirm the extent of trade or contracts secured to understand operational viability and revenue generation potential.
• Verify the accuracy of the reported negative net assets figure, as some line items appear inconsistent (e.g., net current assets stated as positive £685 but total net assets shown as negative £1,048).
• Assess director’s plans for capital injection or restructuring to improve solvency and liquidity metrics.