Company Number: 13134056

Analysis Date: 2025-07-20 11:04 UTC

1. Risk Rating: LOW
   NL JONES PLANNING LTD demonstrates a strong liquidity position with consistent positive net current assets and an asset base exceeding current liabilities. The company is current with all statutory filings and maintains a low level of debt. These factors collectively indicate low solvency and liquidity risk.

2. Key Concerns:

• Limited operational scale: With only 2 employees and modest tangible assets, the company may have vulnerability to key person risk and limited operational capacity.
• Reliance on director: The company appears to be director-led with no indication of broader management, which could impact business continuity.
• Concentration of debtors: Accrued income represents a significant portion of debtors, requiring verification of collectability to ensure liquidity is not overstated.

3. Positive Indicators:

• Strong working capital: Net current assets increased from £183k to £205k year-on-year, with cash balances near £200k, indicating good short-term financial health.
• Compliance: All statutory accounts and confirmation statements are filed on time, showing good regulatory governance.
• Profit retention: Shareholders’ funds have increased steadily from £114k in 2021 to £206k in 2024, reflecting retained earnings and business growth.

4. Due Diligence Notes:

• Assess quality and timing of accrued income and trade debtors to confirm cash flow reliability.
• Review director dependency risks and succession plans given the small team size.
• Verify the nature and terms of operating leases and any contingent liabilities not disclosed in the accounts.
• Confirm absence of any director disqualifications or regulatory sanctions beyond available public records.