PLANNER BEE VA SERVICES LTD

Executive Summary

Planner Bee Va Services Ltd demonstrates a low risk profile with improved liquidity and timely compliance despite its micro-entity scale. The company’s positive net current assets and stable ownership provide reassurance, though the narrow liquidity margin and recent director appointment warrant further inquiry. Overall, the business appears financially stable but should be monitored for operational resilience given its size and limited asset base.

PLANNER BEE VA SERVICES LTD - Analysis Report

Company Number: SC709449

Analysis Date: 2025-07-20 13:52 UTC

1. Risk Rating: LOW
   The company presents a low risk profile based on its current financial position and compliance status. It has positive net current assets and shareholders' funds, timely filings, and no indications of insolvency or regulatory issues.

2. Key Concerns:

• Marginal Net Current Asset Improvement: The company’s net current assets improved from a negative position in 2023 (-£1,378) to a positive figure in 2024 (£4,810), but the margin remains slim relative to current liabilities (£70,431). This suggests limited liquidity buffers.
• Small Scale and Micro Entity Status: As a micro-entity with only 2 employees and modest asset base (£9,363 total net assets), the company may be vulnerable to operational disruptions or unexpected expenses.
• Director Appointment Timing: The current director was appointed post year-end (June 2025), which may indicate recent governance changes requiring further review.

3. Positive Indicators:

• Compliance and Timeliness: The company’s accounts and confirmation statement are filed on time with no overdue filings, reflecting good regulatory discipline.
• Improved Financial Position: The company moved from negative working capital in 2023 to positive in 2024, indicating strengthening liquidity.
• Stable Shareholder Control: Ownership is concentrated with a single controlling shareholder (75-100%), which typically facilitates decisive governance and strategic direction.

4. Due Diligence Notes:

• Review cash flow statements and liquidity management to confirm the sustainability of working capital improvements.
• Investigate the reasons and implications of the director appointment post-year end and confirm any changes in governance or strategy.
• Understand the business model and revenue streams driving the company’s modest asset base to assess operational stability.
• Confirm no contingent liabilities or off-balance sheet risks exist given the micro-entity disclosure limitations.