JAI SAI RAM TECH LTD

Executive Summary

JAI SAI RAM TECH LTD is a newly established micro private company with a sound balance sheet and positive working capital, indicating good short-term liquidity and no debt. The company’s compliance record and stable management support creditworthiness at this early stage. Continued monitoring of financial growth and governance will be essential as the business develops.

JAI SAI RAM TECH LTD - Analysis Report

Company Number: 14365075

Analysis Date: 2025-07-20 14:58 UTC

1. Credit Opinion: APPROVE
   JAI SAI RAM TECH LTD is a micro private limited company incorporated recently in September 2022. The company’s latest accounts to September 2023 show modest but positive net assets and working capital. There are no overdue filings, and the management appears stable with two current directors including a controlling shareholder. Given the small size and early stage, credit exposure should be limited, but the company demonstrates the basic financial health and compliance needed to support a credit facility.

2. Financial Strength:
   The balance sheet shows total net assets of £5,404 with fixed assets of £1,950 and current assets of £4,199. Current liabilities are low at £745, resulting in positive net current assets (working capital) of £3,454. The company’s equity equals net assets, indicating no external debt. The micro-entity status limits detailed financial disclosure, but the figures imply a clean, solvent balance sheet with low leverage and a conservative asset base.

3. Cash Flow Assessment:
   Current assets exceed current liabilities by a factor of approximately 5.6, reflecting adequate short-term liquidity to meet obligations. Absence of employees and minimal fixed assets suggest low cash burn. While detailed cash flow statements are not provided, the working capital position supports ongoing operations without liquidity stress. The company’s cash management appears sound for its scale.

4. Monitoring Points:

• Track turnover and profitability growth as the company matures to ensure sustained positive cash flow and capital generation.
• Monitor any changes in director composition or PSC control that could impact governance or credit risk.
• Watch for timely filing of future accounts and confirmation statements to avoid compliance risk.
• Assess any increase in liabilities or debt financing that may affect leverage and repayment capacity.