JC SURVEY SOLUTIONS LTD

Executive Summary

JC SURVEY SOLUTIONS LTD is a newly incorporated micro private limited company with a clean balance sheet, positive net assets, and adequate liquidity to service short-term liabilities. Credit approval is recommended with conservative exposure given the limited trading history and scale. Close monitoring of operational cash flows and financial progression is essential to manage credit risk effectively.

JC SURVEY SOLUTIONS LTD - Analysis Report

Company Number: 14861821

Analysis Date: 2025-07-20 17:47 UTC

1. Credit Opinion:
   APPROVE with conditions. JC SURVEY SOLUTIONS LTD is a very young private limited company incorporated less than two years ago, showing a modest but positive net asset position and low liabilities. The company’s limited trading history and small scale (one employee, micro-size) means credit exposure should be conservative. Approval is justified due to positive net current assets and shareholder funds, but monitoring is essential until a longer trading record and profitability pattern emerge.

2. Financial Strength:
   The balance sheet as of 31 May 2024 shows total net assets of £33,909, with tangible fixed assets of £728 and cash balances of £45,181. Current liabilities stand at £12,000, all falling due within one year, producing net current assets of £45,181. There are no long-term creditors. The company has a clean balance sheet with no significant debt and shareholders’ funds fully positive, reflecting sound initial capitalization. However, the company is in its start-up phase, so financial strength is limited by scale and trading history.

3. Cash Flow Assessment:
   The company holds £45,181 in cash with current liabilities of only £12,000, indicating sufficient liquidity to meet short-term obligations comfortably. Working capital is positive and healthy, suggesting the company can manage day-to-day operations without liquidity stress. The absence of audit and limited disclosures mean cash flow details beyond cash balances are unavailable, so ongoing monitoring of cash generation from operations is recommended.

4. Monitoring Points:

• Monitor future turnover and profitability trends to assess sustainability and cash generation capacity.
• Review updated accounts to confirm continued positive working capital and net asset growth.
• Track director’s conduct and any changes in ownership/control to mitigate governance risks.
• Watch for any increases in liabilities, especially short-term creditors or loans, which could pressure liquidity.
• Confirm timely filing of statutory returns and accounts to avoid regulatory or reputational issues.