NJ WELLNESS LIMITED

Executive Summary

NJ WELLNESS LIMITED demonstrates a solid financial foundation typical of a newly formed company with positive net assets and sufficient liquidity to cover short-term debts. While currently small and without employees, the company shows promising signs of operational readiness and financial stability. Continued prudent management and strategic planning will be crucial to maintaining healthy growth and financial wellness.

NJ WELLNESS LIMITED - Analysis Report

Company Number: 15637602

Analysis Date: 2025-07-20 14:57 UTC

Financial Health Assessment for NJ WELLNESS LIMITED

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1. Financial Health Score: B

Explanation:
NJ WELLNESS LIMITED shows promising initial financial health for a newly incorporated company (formed April 2024), with positive net assets and net current assets, indicating a stable liquidity position. The cash balance covers current liabilities with a comfortable margin, reflecting a "healthy cash flow" status for this start-up phase. However, the scale of operations is modest, with no employees yet, and limited turnover data available. Thus, while there are no alarming "symptoms of distress," the overall financial condition is developing and should be monitored carefully as the business grows.

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2. Key Vital Signs

Metric	Value	Interpretation
Cash at Bank	£13,898	Sufficient liquidity to cover immediate debts—positive sign
Current Liabilities	£9,462	Manageable short-term obligations
Net Current Assets	£4,436	Positive working capital suggests ability to meet short-term liabilities comfortably
Net Assets (Shareholders’ Funds)	£4,436	Positive equity base indicating the company is solvent and not overleveraged
Called Up Share Capital	£100	Minimal initial capital, typical for start-ups
Profit & Loss Reserve	£4,336	Accumulated earnings retained, a good indicator for future growth potential
Employees	0	No staff yet, indicating early stage operations

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3. Diagnosis

NJ WELLNESS LIMITED is in the "healthy start-up" phase. The company shows a stable financial baseline without signs of liquidity stress or insolvency risk. The positive net current assets reflect that short-term obligations can be met without difficulty, akin to a patient with a strong pulse and steady vital signs. The company’s capital structure is simple, with one major shareholder (Mrs Navneet Jhaj) holding full control, limiting dilution risk but concentrating governance.

The absence of employees and limited transactional history imply the company is still in its infancy, with limited operational data to fully assess profitability or cash flow trends. The company's filings comply with regulatory requirements, indicating good "corporate hygiene."

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4. Recommendations

• Monitor Cash Flow Regularly: Maintain a close watch on cash inflows and outflows to ensure the company’s liquidity remains robust as it scales.
• Plan for Growth: Consider recruiting staff or outsourcing key functions to support operational expansion aligned with the health services sector.
• Build Financial Reserves: Aim to gradually increase retained earnings to buffer against future uncertainties or investment needs.
• Maintain Compliance Discipline: Continue timely filings with Companies House and consider voluntary audits as the business grows to enhance stakeholder confidence.
• Risk Management: Evaluate potential liabilities arising from the healthcare sector and consider appropriate insurance or provisions.
• Strategic Investment: Explore opportunities for capital infusion or partnerships if expansion requires more substantial financing.

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