Company Number: 13125910

Analysis Date: 2025-07-20 11:54 UTC

1. Risk Rating: LOW
   RJ Advisory Services Limited demonstrates a solid financial position with consistently positive net current assets and net assets over the last three reported financial years. There are no overdue filings, and the company is active and compliant with statutory requirements. The director's statement confirms the company’s ability to meet liabilities as they fall due, supporting a low solvency and liquidity risk.

2. Key Concerns:

• Limited scale and single director structure may expose the company to operational key person risk.
• Relatively small share capital (£100) and limited tangible fixed assets suggest limited asset backing.
• The company operates with minimal employees (one on average), which may impact scalability and operational resilience.

3. Positive Indicators:

• Consistent growth in net current assets from £43,080 (2021) to £61,982 (2024) indicating strengthening working capital.
• Cash balances are strong and closely aligned with current assets (~£77k cash in 2024), implying good liquidity.
• No overdue accounts or confirmation statements, indicating good regulatory compliance.
• Profitable operations as evidenced by retained earnings growth and reported profit for the period (£42,379 for 2024).
• Sole shareholder/director is also the person with significant control, suggesting streamlined governance and clear accountability.

4. Due Diligence Notes:

• Review the company’s customer base and revenue streams given the absence of turnover figures in the data to assess operational sustainability.
• Verify the nature and timing of creditors, particularly the taxation and social security amounts, to confirm no hidden liabilities or payment issues.
• Investigate the reason for the significant reduction in trade debtors from £1,500 in 2023 to £45 in 2024 to understand cash collection efficiency and debtor quality.
• Confirm the absence of contingent liabilities or off-balance-sheet commitments not reflected in the filings.
• Assess the impact of the single employee/director structure on business continuity and succession planning.