JNL TOTAL BUILDING SOLUTIONS LTD

Executive Summary

JNL TOTAL BUILDING SOLUTIONS LTD is a newly incorporated micro-entity in the construction sector with a very limited financial base and negative working capital, raising significant solvency and liquidity concerns. While regulatory compliance is up to date and the director has relevant experience, the lack of operational history and minimal equity necessitate careful scrutiny of funding and business viability before investment consideration. Close monitoring of creditor obligations and cash flow management is recommended.

JNL TOTAL BUILDING SOLUTIONS LTD - Analysis Report

Company Number: 15244557

Analysis Date: 2025-07-20 12:30 UTC

1. Risk Rating: HIGH
   The company exhibits a high risk profile primarily due to its very limited financial resources, negative net working capital, and minimal equity base.

2. Key Concerns:

• Negative Working Capital: Current assets (£1,183) are well below current liabilities (£4,998), indicating potential liquidity challenges and difficulty meeting short-term obligations.
• Minimal Shareholders' Funds: Equity stands at only £19, which is negligible relative to total liabilities (£10,457), suggesting an extremely weak capital structure.
• No Employees and Early Stage: Incorporated in late 2023 with no reported employees and micro-entity status, the company is in its infancy, limiting operational history and financial track record to assess sustainability.

3. Positive Indicators:

• Compliance with Filing Requirements: No overdue accounts or confirmation statements indicate good regulatory compliance so far.
• Sole Director with Relevant Occupation: The director’s background as a building contractor aligns with the SIC code for construction of domestic buildings, suggesting relevant expertise.
• No Indication of Insolvency or Liquidation: The company remains active and is not undergoing liquidation or administration.

4. Due Diligence Notes:

• Investigate the nature and maturity of the creditor amounts, particularly the split between current and longer-term liabilities. The presence of "creditors amounts falling due after one year" at £5,459 should be clarified to understand repayment obligations.
• Confirm the company’s business plan and funding sources given the minimal equity and negative working capital. Assess whether there are commitments from the director or third parties to support operations.
• Review cash flow projections and any off-balance sheet arrangements to evaluate liquidity risk more fully.
• Validate the company’s operational capacity given zero employees reported and check for any subcontractor arrangements or outsourcing.
• Monitor for any changes in director status or PSC disclosures that could affect governance or control.