JB WINDOWS AND DOORS INSTALLATION LIMITED

Executive Summary

JB Windows and Doors Installation Limited is a newly incorporated micro-entity with a strong opening balance sheet and positive working capital. The company is adequately capitalized with no debt and shows good governance under sole director control. Credit approval is recommended with routine monitoring of financial performance and compliance filings as the company develops.

JB WINDOWS AND DOORS INSTALLATION LIMITED - Analysis Report

Company Number: 14739757

Analysis Date: 2025-07-20 13:48 UTC

1. Credit Opinion: APPROVE
   JB Windows and Doors Installation Limited, a micro-entity incorporated in March 2023, shows a solid opening financial position with positive net assets and working capital. The company’s recent incorporation and minimal trading history limit the depth of credit assessment, but the absence of overdue filings and a clean director profile support creditworthiness. The sole director and 100% shareholder, Mr Dean Morris, provides clear control and accountability, reducing governance risk. Given the company's micro size and early stage, credit approval is recommended with standard monitoring.

2. Financial Strength:
   The balance sheet as of 31 March 2024 indicates net assets of £41,198 and net current assets of £29,768, reflecting a healthy working capital position. Fixed assets are modest (£11,430), consistent with the company’s micro status and operational focus on glazing installation. The company appears conservatively financed with no long-term liabilities disclosed, and shareholders’ funds equal net assets, indicating no external debt at this stage. This strong equity base supports financial resilience.

3. Cash Flow Assessment:
   Current assets of £58,966 against current liabilities of £29,198 demonstrate adequate short-term liquidity. The positive net current assets suggest the company has sufficient working capital to meet immediate obligations. However, given the company’s infancy and small scale (average employee count of 1), cash flow volatility risk remains. There is no detailed cash flow statement available, so ongoing monitoring of cash conversion cycles and debtor management is advised.

4. Monitoring Points:

• Confirm timely filing of future accounts and confirmation statements to maintain compliance.
• Monitor trading performance and cash flow generation as the company matures beyond its start-up phase.
• Track any changes in director or ownership structure that could affect governance.
• Watch for increases in liabilities or external borrowing that may impact financial stability.
• Review order book or contract pipeline to assess revenue stability and growth trajectory.