SJ PERSONAL TRAINING LIMITED

Executive Summary

SJ Personal Training Limited demonstrates a solid and improving financial position with strong liquidity and growing equity. The company's clean balance sheet and positive cash flow support its ability to meet debt obligations. Approval of credit facilities is recommended subject to ongoing monitoring of working capital and compliance with filing requirements.

SJ PERSONAL TRAINING LIMITED - Analysis Report

Company Number: 13756523

Analysis Date: 2025-07-29 19:10 UTC

1. Credit Opinion: APPROVE

SJ Personal Training Limited presents a sound credit profile for its size and sector. The company is active, well-managed by a single director/shareholder with full control, and demonstrates consistent improvement in its working capital position over the past three years. No indications of financial distress or overdue filings exist. Given the nature of the business (personal training services), the risk exposure is moderate but manageable.

2. Financial Strength:

The balance sheet shows steady growth in net current assets from £13,760 in 2021 to £31,744 in 2024, indicating strengthening financial health. Shareholders’ funds have similarly increased, reflecting retained earnings accumulation. The company maintains a clean asset base with no fixed assets reported, typical for service-oriented micro-entities. Current liabilities remain modest and stable relative to current assets, maintaining a healthy liquidity buffer.

3. Cash Flow Assessment:

Cash at bank has increased from £22,781 in 2021 to £44,286 in 2024, evidencing strong cash generation and liquidity. Debtors are minimal and manageable, reducing credit risk exposure. The positive net current assets indicate sufficient working capital to cover short-term obligations comfortably. The company does not employ staff (as per latest accounts), which may reduce fixed overheads and improve cash flow stability.

4. Monitoring Points:

• Continued growth in retained earnings and cash balances to sustain liquidity.
• Watch for any increase in creditors or tax liabilities that may strain short-term cash.
• Monitor the director’s financial stewardship and any changes in business scale or employees.
• Ensure timely filing of accounts and confirmation statements to avoid compliance risks.
• Observe any shifts in market conditions affecting personal training demand post-pandemic.