JUBILEE SALES AND PROPERTY MANAGEMENT LIMITED

Executive Summary

Jubilee Sales and Property Management Limited is currently in a financially weak position, with negative net assets and worsening working capital deficits, indicating a high risk of insolvency. Cash flow is constrained, and creditor exposure is increasing, limiting the company’s ability to service debt or new credit. Credit facilities are not recommended unless there is clear evidence of financial restructuring or improved liquidity.

JUBILEE SALES AND PROPERTY MANAGEMENT LIMITED - Analysis Report

Company Number: 13115807

Analysis Date: 2025-07-20 15:28 UTC

1. Credit Opinion: DECLINE
   Jubilee Sales and Property Management Limited exhibits significant financial distress. The company has negative net assets (£-20,350) and shareholders’ funds (£-20,351) as of 31 March 2024, indicating insolvency on a balance sheet basis. Working capital is negative (£-9,481), and current liabilities exceed current assets, raising concerns about meeting short-term obligations. The company has seen worsening liquidity and increased creditor exposure year on year. With only £11,931 in cash and increasing creditor balances, its ability to service debt or finance new credit is limited. Without substantial capital injection or operational turnaround, credit extension is not advisable.

2. Financial Strength:
   The balance sheet shows a deteriorating financial position over the last three years. Net current liabilities increased from £-6,827 in 2022 to £-9,481 in 2024. Creditors due after one year have also increased to £10,869. The company operates with minimal equity (share capital £1), and accumulated losses reflected in negative profit and loss reserves. The lack of fixed assets information suggests limited tangible collateral. Overall, the company is financially weak with a solvency risk.

3. Cash Flow Assessment:
   Cash on hand remains critically low, rising modestly from £33 in 2023 to £11,931 in 2024 but still insufficient to cover current liabilities of £42,512. Debtor balances have increased but collection risk is unclear. Negative net current assets imply working capital deficits, constraining operational liquidity. The company’s cash flow generation appears inadequate to meet short-term creditor demands or service debt commitments reliably.

4. Monitoring Points:

• Trends in net current assets and liquidity ratios.
• Timing and quality of debtor collections to improve cash flow.
• Changes in creditor terms or increases in short- and long-term liabilities.
• Any capital injections or equity restructuring to address negative net assets.
• Director’s statements on going concern and operational plans.