JW PROPERTY MANAGEMENT SOLUTIONS LTD

Executive Summary

JW PROPERTY MANAGEMENT SOLUTIONS LTD is a recently established micro-entity with a modest positive net asset position and adequate short-term liquidity. While the company’s financial scale is minimal and operating history limited, current data suggests it can meet immediate obligations. Credit approval is recommended on a cautious, small-scale basis with attention to future financial developments and operational growth.

JW PROPERTY MANAGEMENT SOLUTIONS LTD - Analysis Report

Company Number: 15128122

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

1. Credit Opinion: APPROVE with caution. JW PROPERTY MANAGEMENT SOLUTIONS LTD is a newly incorporated micro-entity (incorporated September 2023) operating in real estate letting. The company shows a positive net current asset position and no significant liabilities, indicating a modest but adequate short-term liquidity. However, the financial data is limited due to its recent formation and minimal operating history. The single director and 100% ownership by Mr. Janusz Jerzy Wychowaniec suggest centralized control but also reliance on one individual’s management. Given the early stage and small scale, credit facilities should be modest and closely monitored.

2. Financial Strength: The balance sheet as of 30 September 2024 reports current assets of £715 against current liabilities of £325, yielding net current assets of £390. There are no fixed assets or long-term liabilities disclosed, resulting in net assets and shareholders’ funds matching at £390. The micro-entity status and lack of employees imply very small scale operations with limited capital investment. The company’s financial strength is minimal but not negative, reflecting a start-up phase with no apparent financial distress.

3. Cash Flow Assessment: With current assets primarily consisting of cash or equivalents at £715 and current liabilities at £325, the company maintains a working capital buffer of £390. This positive net current asset position suggests the company can meet short-term obligations as they fall due. However, the absolute values are low, meaning cash flow is tight and vulnerable to volatility. The absence of employees and minimal expenses may reduce cash demands, but any expansion or unexpected costs could strain liquidity.

4. Monitoring Points:

• Monitor future filing of profit and loss accounts to assess profitability trends.
• Track growth in current assets and liabilities to evaluate operational scaling and liquidity changes.
• Review director’s plans and any new appointments or changes in ownership/control.
• Watch for timely submission of statutory filings and any indications of financial stress.
• Assess impact of market conditions on real estate letting activities for credit risk implications.