Company Number: 15338064

Analysis Date: 2025-07-29 12:07 UTC

1. Risk Rating: HIGH
   Given the extremely limited operating history (incorporated December 2023), minimal asset base (£5,320 current assets mostly stock), nominal net assets (£540), and very low cash holdings (£320), OJB Property Solutions Ltd exhibits significant solvency and liquidity risk. The company’s ability to meet short-term obligations is marginal at best.

2. Key Concerns:

• Liquidity Risk: Current liabilities (£4,780) nearly match current assets (£5,320), with cash reserves critically low at £320, indicating potential cash flow constraints.
• Solvency Risk: Net assets and shareholder funds are minimal (£540), suggesting very thin capitalization and limited financial buffer against losses or unforeseen expenses.
• Operational Viability: As a start-up with only one employee and no prior financial history, there is inherent uncertainty regarding ongoing revenue generation and sustainability in the development of building projects sector.

3. Positive Indicators:

• Compliance Status: The company is active, with no overdue filings for accounts or confirmation statements, demonstrating adherence to statutory obligations.
• Clear Ownership and Management: Single director and sole shareholder is consistent, providing clear accountability.
• Accounting Practices: Prepared accounts in accordance with relevant UK standards and small company regime, with director acknowledging responsibilities, indicating basic governance processes are in place.

4. Due Diligence Notes:

• Investigate the company’s business plan and contracts to assess revenue visibility and cash flow projections.
• Review detailed creditor aging and trading terms to understand short-term liabilities and payment obligations.
• Confirm the status and valuation of stock (£5,000) included in current assets to verify liquidity and realizability.
• Examine director’s background and financial support capacity, including any related party transactions or loans.
• Monitor future filings for growth in turnover, profitability, and asset base to judge operational stability.