NJS PROPERTY GROUP LTD

Executive Summary

NJS PROPERTY GROUP LTD is a recently incorporated, small private limited company operating in professional services with improving net assets but persistent short-term liquidity challenges. The company depends significantly on director loans and has a limited operational history, warranting moderate risk consideration. Compliance with filings is up to date, but further due diligence on cash flow, director financing, and investment valuation is advised to clarify financial stability and operational sustainability.

NJS PROPERTY GROUP LTD - Analysis Report

Company Number: 14367377

Analysis Date: 2025-07-29 14:04 UTC

1. Risk Rating: MEDIUM
   The company shows modest net assets growth but exhibits persistent net current liabilities and reliance on director loans, which indicate moderate solvency and liquidity risks. The lack of an audit and limited operational history also suggest caution.

2. Key Concerns:

• Negative net current assets (£-3,357 in 2024) indicate potential liquidity constraints to meet short-term obligations.
• Significant director loans (£24,158 current year) suggest reliance on insider funding rather than external financing or operating cash flows.
• The company is very young (incorporated 2022), with limited operational track record and only two employees, raising questions about operational stability and business sustainability.

3. Positive Indicators:

• Net assets improved substantially from £1 in 2022 to £53,616 in 2024, driven by investment additions and retained earnings, reflecting some capital infusion or profitability.
• No overdue filings for accounts or confirmation statements, indicating compliance with statutory requirements.
• The director is a chartered surveyor and sole significant controller, suggesting focused governance and professional expertise aligned with company activity.

4. Due Diligence Notes:

• Investigate the nature and terms of director loans and their sustainability or repayment plans.
• Review cash flow statements (not provided) to assess operational cash generation versus financing reliance.
• Confirm details of the investment (£57,499) recorded in 2024, its valuation basis, and liquidity.
• Evaluate the business model and client base to understand revenue sources and growth prospects, given the small employee base and early stage.
• Confirm there are no undisclosed contingent liabilities or regulatory risks beyond standard reporting.