MJ DESIGN & PRINT LTD

Executive Summary

MJ DESIGN & PRINT LTD is a newly established micro-entity with a clean and simple balance sheet, showing positive net current assets and no liabilities. The company’s credit risk is currently low but limited trading history and modest financial scale require cautious credit exposure and ongoing monitoring of financial performance and operational developments.

MJ DESIGN & PRINT LTD - Analysis Report

Company Number: 14563751

Analysis Date: 2025-07-29 18:25 UTC

1. Credit Opinion: APPROVE with reservations. MJ DESIGN & PRINT LTD is a very recently incorporated micro-entity with minimal financial history but currently shows a clean balance sheet with no liabilities and positive net current assets. The sole director and majority shareholder appears to exercise full control, which simplifies decision-making but also concentrates risk. The company’s ability to meet credit obligations appears sound at this early stage but limited trading history and scale mean credit exposure should be modest and monitored closely.

2. Financial Strength: The company’s financial position as of 31 December 2023 shows total net assets of £4,893, all current assets with no fixed assets or liabilities. There is no gearing or external debt, which is positive. However, the micro-entity size and absence of fixed assets or working capital beyond cash equivalents indicate limited operational scale and asset backing. The balance sheet reflects a startup phase with minimal financial complexity.

3. Cash Flow Assessment: Current assets of £4,893 and zero current liabilities indicate positive working capital and liquidity at year-end. The absence of creditors suggests the company is either early stage with few operational outgoings or is managing payables on a cash basis. With only one employee (the director) and no debts, cash flow risk is low but also limited in scale. Ongoing cash flow stability will depend on the company’s ability to generate revenues and control costs going forward.

4. Monitoring Points:

• Revenue growth and profitability trends in subsequent filings.
• Working capital management as business operations scale.
• Any emergence of liabilities or credit obligations.
• Director’s management actions and any changes in ownership/control.
• Timely filing of accounts and returns to maintain compliance.
• Market conditions in the niche printing sector and competitive pressures.