JM SALES CONSULTANCY LIMITED

Executive Summary

JM Sales Consultancy Limited is a newly established micro-entity with a strong liquidity position and no compliance issues to date. While its limited operating history and small scale pose inherent risks, current financials indicate low solvency risk and operational stability for the short term. Further inquiry into ongoing cash flows and client contracts is advised to confirm sustainability.

JM SALES CONSULTANCY LIMITED - Analysis Report

Company Number: 14251377

Analysis Date: 2025-07-29 20:03 UTC

1. Risk Rating: LOW
   JM Sales Consultancy Limited demonstrates a solid net asset position relative to its size, with net current assets of £65,736 and net assets of £68,488 at the year-end. The company is a recently incorporated micro-entity with no overdue filings, suggesting adequate compliance and operational stability at this early stage.

2. Key Concerns:

• Limited Operating History: Incorporated in July 2022, the company has just completed its first financial year, which limits the ability to assess performance trends or resilience.
• Minimal Asset Base: Fixed assets are nominal (£2,752), indicating an asset-light business model; this is typical for an IT consultancy but may limit collateral for credit facilities.
• Single Employee: The company’s operations depend heavily on a single individual, which may pose operational risk if key personnel changes occur.

3. Positive Indicators:

• Strong Liquidity Position: Current assets (£113,375) significantly exceed current liabilities (£47,639), resulting in a comfortable net working capital buffer.
• Compliance: No overdue accounts or confirmation statements, indicating good governance and adherence to statutory requirements.
• Shareholders’ Funds: Equity of £68,488 shows initial capitalisation and retained resources sufficient to support ongoing activities at this scale.

4. Due Diligence Notes:

• Verify the nature and composition of current assets (e.g., cash, receivables) to confirm liquidity quality.
• Review management accounts or cash flow forecasts to assess ongoing operational cash flow and sustainability beyond the first year.
• Assess client base and contracts to understand revenue visibility and business continuity risks given the micro size and single employee status.