LYSJZJ ACTUARIAL LIMITED

Executive Summary

LYSJZJ Actuarial Limited is a micro private company exhibiting signs of liquidity strain and declining net assets, which raises medium-level solvency concerns despite its compliance with filing requirements and stable operations. Further investigation into its current liabilities and cash flow management is recommended to fully assess financial resilience and operational sustainability.

LYSJZJ ACTUARIAL LIMITED - Analysis Report

Company Number: 14078210

Analysis Date: 2025-07-29 18:14 UTC

1. Risk Rating: MEDIUM
   Despite being an active company with timely filings and no overdue accounts, LYSJZJ Actuarial Limited exhibits solvency and liquidity concerns due to persistent net current liabilities and declining net assets over the recent financial years.

2. Key Concerns:

• Liquidity Deficit: The company has negative net current assets of £59,753 as of April 2024, worsening from £36,461 the prior year, indicating potential short-term liquidity pressure.
• Declining Net Assets: Net assets have decreased from £33,539 in 2023 to £11,532 in 2024, suggesting erosion in financial stability.
• Small Share Capital and Limited Equity Cushion: Share capital remains nominal at £100, with total shareholders' funds only £11,532, limiting ability to absorb financial shocks.

3. Positive Indicators:

• Timely Compliance: No overdue filings for accounts or confirmation statements, reflecting adequate governance and regulatory compliance.
• Stable Employee Base: The company maintains a consistent number of employees (3), implying operational continuity.
• Asset Base Consistency: Fixed assets have remained stable around £70k, indicating some investment in long-term operational capacity.

4. Due Diligence Notes:

• Investigate the nature of current liabilities to assess if they are short-term operational debts or related to financing arrangements that might be restructured.
• Review cash flows and working capital management to understand how the company plans to address its liquidity deficit.
• Clarify the ownership/control structure anomalies: the PSC data lists multiple ownership percentages for the same individual (Mr. Jayasekara) which may require reconciliation for clarity on control and influence.
• Confirm whether the company has any off-balance sheet liabilities or contingent liabilities that could exacerbate risk.
• Understand the business model and revenue streams in the context of the SIC code (auxiliary insurance activities) to assess operational sustainability.