JCJM HOLDINGS (LONDON) LIMITED

Executive Summary

JCJM HOLDINGS (LONDON) LIMITED is financially strong with a robust cash position and growing net assets, evidencing good liquidity and sound financial management. The company demonstrates a stable credit profile with no immediate red flags, supporting approval for credit facilities. Ongoing monitoring should focus on maintaining liquidity and tracking tax and liability trends.

JCJM HOLDINGS (LONDON) LIMITED - Analysis Report

Company Number: 12999931

Analysis Date: 2025-07-29 19:28 UTC

1. Credit Opinion: APPROVE
   JCJM HOLDINGS (LONDON) LIMITED demonstrates strong liquidity and a solid balance sheet with increasing net assets over the past years. The company maintains a significant cash position relative to current liabilities, indicating good capacity to meet short-term obligations. There is no indication of financial distress or overdue filings, and the directors appear stable with no adverse records. The nature of the business as a provider of miscellaneous business support services suggests moderate operational risk. Therefore, the company is assessed as creditworthy for typical SME lending facilities.

2. Financial Strength:
   The company’s net assets have grown from approximately £198k in 2020 to nearly £1 million in 2024, reflecting consistent equity accumulation primarily through retained earnings. Fixed assets are minimal, indicating a low capital intensity business model. The equity base is strong relative to liabilities, with shareholders’ funds covering total liabilities comfortably. Current liabilities have risen moderately but remain well covered by current assets, primarily cash.

3. Cash Flow Assessment:
   Cash balances increased from £379k in 2020 to over £1.2 million in 2024, significantly exceeding current liabilities of £238k. This strong cash position provides excellent short-term liquidity and working capital flexibility. Net current assets are robust, indicating the company can comfortably cover operational expenses and debt service without liquidity strain. No significant trade creditor balances or overdue taxes are observed.

4. Monitoring Points:

• Monitor the trend in current liabilities and tax provisions to ensure obligations remain manageable given profit performance.
• Review cash flow sustainability in future periods, especially if business expansion or capital expenditure increases.
• Keep oversight on director changes or any PSC adjustments that might impact governance or control.
• Assess any emerging economic or sector risks impacting business support services that could affect revenue stability.