TJC CONSULTANCY (READING) LIMITED

Executive Summary

TJC CONSULTANCY (READING) LIMITED is a newly incorporated micro-entity with minimal net assets and a narrow working capital margin. While currently solvent with no overdue filings, its limited capitalization and early-stage trading necessitate cautious credit exposure. Approval is conditionally recommended with emphasis on monitoring cash flows and operational performance closely.

TJC CONSULTANCY (READING) LIMITED - Analysis Report

Company Number: 14501568

Analysis Date: 2025-07-29 12:33 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   TJC CONSULTANCY (READING) LIMITED is a recently incorporated micro-entity operating in car and financial leasing. The company is active with no overdue filings and has one employee. Its financials show very modest net assets (£150) and a small positive working capital (£462). While there is no indication of financial distress, the company's scale and early stage limit its credit capacity. Approval for modest credit facilities is possible, contingent on continued trading and timely filing of accounts. Close monitoring of cash flow and liabilities is recommended due to minimal financial buffer.

2. Financial Strength:
   The balance sheet reveals fixed assets of £756 and current assets of £9,832 against current liabilities of £10,294, yielding net current assets of £462 and net assets of £150 after provisions. The small positive net assets indicate limited capitalization and low equity buffer. The company’s financial position is fragile given the thin margin between assets and liabilities. The micro-entity status implies minimal disclosure and relatively simple operations. Overall, the financial strength is weak and dependent on ongoing operational cash inflows.

3. Cash Flow Assessment:
   Current assets primarily include cash and receivables totaling £9,832, slightly exceeding short-term liabilities of £10,294. The net current asset position is positive but marginal at £462, suggesting tight working capital management. Given the company operates in leasing, cash flow timing and credit risk on lease payments should be carefully managed. The company’s ability to service debt and meet obligations depends heavily on consistent leasing income and controlled overheads. No historical cash flow statements are available due to recent incorporation.

4. Monitoring Points:

• Track monthly cash flow and receipts from leasing operations to ensure liquidity.
• Monitor timely payments of creditors and any build-up of short-term liabilities.
• Review subsequent annual accounts and confirmation statements for signs of financial deterioration or growth.
• Observe credit management and debtor days given exposure to leasing risks.
• Keep watch on director changes and related party transactions as Timothy Jon Cowper has full control.
• Assess impact of any economic changes affecting vehicle leasing demand and residual values.