Company Number: 15112128

Analysis Date: 2025-07-19 12:05 UTC

1. Credit Opinion: APPROVE with caution. CLEVERON AI LIMITED is a newly incorporated micro-entity with minimal trading history and very modest financials. The company currently shows a positive net asset position and no liabilities, which suggests no immediate risk on existing obligations. However, given its infancy and small scale, the ability to service significant credit facilities is unproven. Approval for limited credit exposure is reasonable, preferably with monitoring and limits scaled to the company’s size and operational progress.

2. Financial Strength: The balance sheet shows total net assets of £3,000 consisting of £1,000 fixed assets and £2,000 current assets, with no current or long-term liabilities. Shareholders’ funds equal net assets, indicating full owner equity financing and no external debt. This reflects a very conservative financial structure but also very limited capitalization. The micro-entity status and scale mean the financial position is too small to provide substantial collateral or buffer against downturns.

3. Cash Flow Assessment: Current assets are £2,000 with no current liabilities, producing net working capital of £2,000. This indicates positive short-term liquidity; however, the absolute cash and working capital levels are minimal. The company employs just two people and is in early stages, so cash flow volatility risk is high. Without historical cash flow data or evidence of contract revenues, liquidity must be closely monitored, especially if credit lines are extended.

4. Monitoring Points:

• Growth in turnover and profitability to demonstrate viability and cash generation capacity.
• Changes in working capital and cash balances to ensure liquidity remains stable.
• Any increase in liabilities or debt levels to assess gearing and financial risk.
• Timely filing of accounts and confirmation statements to maintain compliance.
• Director and shareholder stability, given sole control by Brian Luz.