CYBERPHUNK LTD

Executive Summary

Cyberphunk Ltd is a micro-entity IT services business with a steadily improving balance sheet and positive working capital, indicating sound financial health and liquidity. The company is well-managed with a sole director-owner demonstrating good compliance and financial stewardship. Credit approval is recommended with standard monitoring of liquidity and governance to mitigate potential risks.

CYBERPHUNK LTD - Analysis Report

Company Number: 12813566

Analysis Date: 2025-07-29 16:43 UTC

1. Credit Opinion: APPROVE
   Cyberphunk Ltd demonstrates a stable and improving financial position over recent years with positive net current assets and shareholders’ funds increasing steadily. The company has no overdue filings, indicating good compliance and management discipline. The director has full ownership and control, suggesting clear accountability. Given its micro-entity status and limited scale, the credit risk is moderate but manageable for typical SME lending facilities, assuming no significant external shocks.

2. Financial Strength:
   The balance sheet shows progressive strengthening from a negative net asset position at incorporation (£-729) in 2020 to a net asset value of £28,262 in 2024. Current assets (£43,080) comfortably exceed current liabilities (£14,317), yielding a healthy net working capital of £28,763. Shareholder funds reflect retained earnings supporting equity growth. The company holds minimal fixed assets (not explicitly stated), typical for an IT services firm, relying on intangible assets and working capital.

3. Cash Flow Assessment:
   Current assets primarily consist of cash, debtors, and possibly minimal stock, which combined with low current liabilities, indicates sufficient liquidity to meet short-term obligations. Net current assets have increased substantially from £8,350 in 2021 to £28,763 in 2024, showing improved liquidity management. The absence of audit and limited disclosure of profit and loss figures limits detailed cash flow analysis, but working capital trends are positive.

4. Monitoring Points:

• Maintain oversight of current ratio and net working capital trends to ensure liquidity remains robust.
• Monitor any changes in director ownership or control that could affect decision-making or financial stability.
• Watch for any significant increase in current liabilities or overdue payments.
• Monitor business growth and profitability metrics when available, as absence of P&L disclosures limits full analysis.
• Ensure continued compliance with filing deadlines to avoid regulatory penalties.