JMR PROPERTY HOLDINGS LTD

Executive Summary

JMR Property Holdings Ltd is an early-stage micro private limited company engaged in property letting with limited financial history. The company currently exhibits a weak financial position with negative equity and tight liquidity, relying on director loans for funding. While regulatory compliance is satisfactory, the financial indicators point to a high-risk profile requiring further due diligence on funding and business viability.

JMR PROPERTY HOLDINGS LTD - Analysis Report

Company Number: 14884650

Analysis Date: 2025-07-19 13:03 UTC

1. Risk Rating: HIGH
   Justification: The company shows negative shareholders’ funds, minimal net current assets, and significant current liabilities relative to current assets. It is a newly incorporated micro-entity with limited trading history. The director’s loan to the company indicates reliance on related party funding, which poses solvency and liquidity risks.

2. Key Concerns:

• Negative shareholders’ funds (£-746) imply the company’s liabilities exceed its assets, raising solvency concerns.
• Current liabilities (£150,000) exceed current assets (£127,224), though net current assets are positive by £454 after accounting for prepayments, suggesting tight working capital.
• The company is dependent on a director’s loan (£40,550) to fund operations, which may raise liquidity stability and independence issues.

3. Positive Indicators:

• The company is compliant with filing deadlines for accounts and confirmation statements with no overdue filings, indicating good regulatory compliance.
• The company benefits from exemption from audit under the Companies Act, appropriate for its micro status.
• The sole director and 100% shareholder is clearly identified, providing transparency on control.

4. Due Diligence Notes:

• Investigate the nature and terms of the director’s loan, including repayment schedule, interest rate, and potential for further funding.
• Review business plans to assess revenue generation prospects and ability to improve working capital and profitability.
• Confirm no undisclosed liabilities or contingent risks exist beyond the balance sheet figures.
• Assess the company’s cash flow projections and capital injection plans to determine sustainability.
• Verify the director’s background and track record to evaluate governance and operational stability.