S&J GRANITE AND QUARTZ INSTALLATIONS LIMITED

Executive Summary

S&J Granite and Quartz Installations Limited appears financially stable with strong liquidity and increasing net asset value. The company maintains good regulatory compliance and operational transparency for its size. However, limited financial detail and a small workforce warrant further due diligence to confirm business sustainability and profitability.

S&J GRANITE AND QUARTZ INSTALLATIONS LIMITED - Analysis Report

Company Number: 13730122

Analysis Date: 2025-07-29 17:26 UTC

1. Risk Rating: LOW
   S&J Granite and Quartz Installations Limited demonstrates a solid balance sheet with net assets increasing year-on-year and a comfortable net current asset position. There are no indications of overdue filings or regulatory non-compliance, and the company has been compliant with statutory requirements since incorporation.

2. Key Concerns:

• Limited scale and revenue visibility: As a micro-entity with minimal publicly disclosed financial detail, the company’s revenue generation and profitability cannot be fully assessed.
• Fixed asset decline: There is a noticeable reduction in fixed assets from £12,202 in 2023 to £9,151 in 2024, suggesting potential asset disposals or underinvestment.
• Small employee base: With only two employees reported on average, operational capacity may be constrained, potentially impacting scalability and resilience.

3. Positive Indicators:

• Strong liquidity position: Current assets significantly exceed current liabilities (£38,075 vs £979 in 2024), indicating good short-term financial health and ability to meet obligations.
• Increasing net assets: Shareholders’ funds have grown from £39,574 in 2021 to £46,087 in 2024, reflecting retained earnings or capital injections.
• Compliance and governance: No overdue accounts or confirmation statements, and directors are properly appointed with no disqualifications reported. The company benefits from clear ownership and control structure with two directors each holding significant shares.

4. Due Diligence Notes:

• Obtain detailed profit and loss information to assess profitability and cash flow trends, as this data is not included in micro-entity filings.
• Investigate the cause of fixed asset reduction to understand if it reflects asset sales, impairment, or normal depreciation.
• Review contracts and client base to evaluate business sustainability given the limited employee resources and small scale of operations.