ROHAN & VISHAN LIMITED

Executive Summary

ROHAN & VISHAN LIMITED operates in the real estate investment sector with a significant asset base largely financed by long-term liabilities, resulting in a thin equity buffer. The company demonstrates adequate short-term liquidity and compliance with filing obligations, but limited public financial data restricts full assessment of operational profitability and cash flow sustainability. Further due diligence on liabilities, asset valuations, and income statements is essential to fully evaluate solvency and operational risks.

ROHAN & VISHAN LIMITED - Analysis Report

Company Number: 13099941

Analysis Date: 2025-07-20 14:50 UTC

1. Risk Rating: MEDIUM
   The company holds significant fixed assets in investment property but has relatively low net assets and a sizeable non-current liability that nearly offsets the asset base. Current assets exceed current liabilities, indicating reasonable short-term liquidity. However, the high level of long-term creditors relative to net assets suggests some solvency risk, particularly if property values decline or cash flows are disrupted.

2. Key Concerns:

• High Non-current Liabilities: The company reports nearly £499k in creditors due after one year, closely matching the investment property value (£494.7k), resulting in thin net assets (£27.3k). This leverage could pose solvency risks if asset values deteriorate or refinancing is required.
• Limited Equity Base: Share capital is minimal (£100), and retained earnings are modest, limiting the company’s financial buffer against operational or market shocks.
• Lack of Profit & Loss Data: The profit and loss account has not been filed publicly, restricting insight into operational profitability and cash flow generation, which are critical to assessing ongoing financial viability.

3. Positive Indicators:

• Current Asset Coverage: Current assets (£34.8k) exceed current liabilities (£3.6k), indicating the company can meet short-term obligations without liquidity strain.
• Compliance with Filings: No overdue accounts or confirmation statements, suggesting compliance with statutory requirements and good governance practices.
• Established Ownership and Control: A single significant controller (Mr Ravi Rajendra Patel) with clear voting and appointment rights may allow for decisive management and strategic consistency.

4. Due Diligence Notes:

• Investigate the nature and terms of the non-current liabilities to understand repayment schedules, interest terms, and any covenants.
• Obtain and review profit and loss statements or management accounts to assess operational performance, cash flow, and profitability trends.
• Confirm market valuation of the investment property to assess asset-side risk and potential impairments.
• Review director backgrounds for any adverse records or disqualifications (none found here, but important for comprehensive risk assessment).
• Clarify the business model and revenue streams given the SIC code (other letting and operating of own or leased real estate) to understand sustainability and growth prospects.