RJB CARLISLE LTD

Executive Summary

RJB Carlisle Ltd is an active micro-entity recently incorporated with limited equity and working capital, currently compliant with statutory filings. The company’s financial structure shows reliance on unsecured director loans and minimal assets, posing moderate solvency and liquidity risks typical for a start-up. Close monitoring of operational performance and cash flow will be essential to ensure business sustainability.

RJB CARLISLE LTD - Analysis Report

Company Number: 15210212

Analysis Date: 2025-07-20 17:07 UTC

1. Risk Rating: MEDIUM
   While RJB Carlisle Ltd is a newly incorporated micro-entity with modest net assets and minimal liabilities, the financial data reveals very limited capitalization and working capital. The company’s solvency appears adequate currently but fragile, given the low net asset base and reliance on director loans. The absence of overdue filings and compliance with statutory requirements is positive but operational and liquidity risks remain given the early stage and scale.

2. Key Concerns:

• Low Net Assets and Capitalization: Net assets stand at only £233, indicating minimal equity buffer to absorb losses or financial shocks.
• Director Loan Dependency: A significant loan of £8,101 from the director, unsecured and interest-free, suggests external financing is limited and the company may rely heavily on personal funding, posing liquidity risk.
• Single Employee/Director Operation: The business currently operates with one employee/director only, which may limit operational capacity and sustainability.

3. Positive Indicators:

• Current Compliance: No overdue accounts or confirmation statements; filings are up to date reflecting good regulatory compliance.
• Positive Net Current Assets: Although small, net current assets of £610 indicate the company can meet short-term liabilities at present.
• Clear Ownership and Control: Single shareholder and director structure (Mr Robert Brown) provides clear governance, reducing complexity in decision-making.

4. Due Diligence Notes:

• Investigate the business plan and cash flow projections to assess sustainability beyond the first year and repayment plans for director loans.
• Review any additional funding sources or credit facilities to understand liquidity buffers.
• Confirm operational details such as customer base, contracts, and revenue generation since incorporation.
• Evaluate any contingent liabilities or off-balance-sheet commitments not disclosed in accounts.
• Assess director’s background and experience relevant to hairdressing and business management given sole control.