RJM TECH LTD

Executive Summary

RJM TECH LTD is a very small, newly incorporated IT consultancy company with a clean regulatory record and positive but minimal net assets. While current liquidity and solvency indicators are acceptable, the limited scale and single-person control introduce moderate risk factors. Further due diligence on operational performance and governance is recommended to fully assess investment suitability.

RJM TECH LTD - Analysis Report

Company Number: 14415752

Analysis Date: 2025-07-29 16:17 UTC

1. Risk Rating: LOW to MEDIUM
   RJM TECH LTD shows a modest but positive net asset position with net current assets improving from £2,264 in 2023 to £2,657 in 2024. The company is very new (incorporated in late 2022) and small, with minimal liabilities and a single director/shareholder. There is no indication of overdue filings or formal insolvency procedures. However, the total scale of operations and assets is very limited, which presents inherent risks typical of start-ups.

2. Key Concerns:

• Limited Scale and Financial Cushion: The company’s net assets are low (£2,635 in 2024), reflecting limited operating scale and a small cash buffer (£9,886). This constrains the ability to absorb shocks or fund growth without external capital.
• Minimal Operational History: Being less than two years old, the company lacks a substantial track record, making it difficult to assess sustainability or revenue stability.
• Concentration of Control: Single director and 75-100% shareholder control may pose governance risks and potential lack of independent oversight.

3. Positive Indicators:

• Clean Compliance Record: No overdue accounts or confirmation statements, indicating good regulatory discipline.
• Positive Working Capital: Net current assets are positive and have increased year-on-year, suggesting manageable short-term liquidity.
• No Significant Debt Burden: Current liabilities are low (£7,229) and long-term liabilities are minimal (£22), implying limited solvency risk at present.

4. Due Diligence Notes:

• Review turnover and profitability trends beyond balance sheet data to assess revenue generation and operational viability.
• Confirm the nature of creditors and any contingent liabilities or off-balance-sheet commitments.
• Evaluate the director’s background and any related party transactions given sole control and ownership.
• Monitor cash flow patterns closely due to limited cash reserves and small operational scale.
• Investigate strategic plans and funding sources to understand growth prospects and capital adequacy.