JFR MASONRY AND RENOVATIONS LIMITED

Executive Summary

JFR Masonry and Renovations Limited shows moderate financial stability with improvements in working capital but very low net assets and reliance on director’s loans raise caution. The company is compliant with filing obligations, but further analysis of cash flow and director-related funding is recommended to fully assess operational sustainability and solvency risk.

JFR MASONRY AND RENOVATIONS LIMITED - Analysis Report

Company Number: 13604902

Analysis Date: 2025-07-20 13:11 UTC

1. Risk Rating: MEDIUM
   The company shows some improvement in net current assets and total assets less current liabilities for the latest financial year, but net assets remain very low (£226). The presence of significant director’s advances and current liabilities relative to assets suggests moderate solvency and liquidity risks.

2. Key Concerns:

• Low Net Asset Base: Net assets are marginal (£226) which reflects minimal equity buffer and potential vulnerability to financial stress.
• Director’s Advances: Outstanding director loans increased substantially to £33,302, indicating reliance on related party funding which may affect operational cash flow and governance transparency.
• Current Liabilities Size: Current liabilities remain sizeable (£41,052) relative to current assets (£54,884), limiting liquidity flexibility.

3. Positive Indicators:

• Improved Working Capital: Net current assets improved from negative to positive (£13,832) in the latest year, indicating better short-term liquidity management.
• No Overdue Filings: Accounts and confirmation statements are up to date, demonstrating compliance with statutory filing requirements.
• Stable Employee Count: Maintaining 2 employees suggests controlled operational scale aligned with micro-entity status.

4. Due Diligence Notes:

• Investigate nature and terms of director’s advances to assess impact on cash flow and financial risk.
• Review cash flow statements (not provided) to confirm liquidity position and ability to meet short-term obligations.
• Assess business model sustainability given low equity and current liabilities profile.
• Confirm absence of any director disqualifications or regulatory issues not disclosed in provided data.