Company Number: NI695282

Analysis Date: 2025-07-29 17:10 UTC

1. Risk Rating: LOW
   RJ Planning Limited displays a strong balance sheet with substantial net assets relative to its minimal liabilities. The company is current with its filings and does not show signs of financial distress.

2. Key Concerns:

• The company is newly incorporated (March 2023) with only one financial year reported, limiting trend analysis and long-term operational insight.
• No employees recorded during the reporting period, which may indicate limited direct operational activity or a holding/investment company structure rather than an active trading business.
• The large fixed asset figure classified as "Investments" (£852,934) suggests significant capital deployment; the nature and liquidity of these investments warrant scrutiny to ensure they are not overstated or illiquid.

3. Positive Indicators:

• Solid net assets of £901,712 against minimal current liabilities of £2,192, indicating strong solvency.
• Positive net current assets of £48,778, supported entirely by cash, demonstrating immediate liquidity.
• Up to date statutory filings with Companies House, no overdue accounts or confirmation statements, reflecting compliance and good governance.
• Directors have confirmed the going concern basis, supported by forecasts and projections.

4. Due Diligence Notes:

• Clarify the nature of the fixed assets labeled as "Investments" to assess their risk profile, liquidity, and valuation methodology.
• Investigate the company’s business activities in detail, given no employees and income sourced from dividend income from group holdings, to determine operational sustainability.
• Review any intercompany or related party transactions, including the £154 owed to Strategic Planning Consulting Holdings Ltd, to understand group structure and potential dependencies.
• Confirm the plans for growth or operational scaling beyond the initial investment stage and the directors’ background in managing similar entities.