CYBERWIZ LIMITED

Executive Summary

CYBERWIZ LIMITED is a newly formed micro-entity with limited trading history and a small initial loss, supported by modest shareholder funds and no borrowings. It demonstrates a stable but very early-stage financial position with adequate liquidity for current operations. Conditional credit approval is possible subject to monitoring of trading performance and cash flow development.

CYBERWIZ LIMITED - Analysis Report

Company Number: 15462793

Analysis Date: 2025-07-20 19:13 UTC

1. Credit Opinion: CONDITIONAL APPROVAL. CYBERWIZ LIMITED is a newly incorporated micro-entity with limited trading history (incorporated February 2024). It recorded a small turnover (£6,499) and a minor loss (£289) in its first 13-month period, which is typical for a startup phase. The company currently shows positive net assets (£3,311) with no debt evident, indicating initial capital injection but limited operating cash flow generation. The directors are experienced individuals with full control, but absence of historical financial performance or cash flow track record limits confidence. Credit approval can be considered at modest levels with conditions including close monitoring of trading progress and cash flow development.

2. Financial Strength: The balance sheet is modest but sound for a micro-entity in its startup phase. Fixed assets are minimal (£270), current assets are £3,041 with no current liabilities, resulting in net current assets of £3,041. Shareholders' funds equal net assets at £3,311, indicating no external borrowings. The company’s equity base is small but intact, reflecting initial capital invested by the directors/shareholders. Absence of debt reduces financial risk but also limits leverage for growth. Overall, financial strength is limited but stable.

3. Cash Flow Assessment: Current assets consist primarily of cash or equivalents given the lack of debtors or stock disclosure; net current assets equal current assets at £3,041. The company has no employees, minimizing payroll outflows. However, the first-year trading loss suggests cash burn, likely funded by shareholder capital. Liquidity appears adequate for current operations but is constrained by low turnover and minimal cash reserves. The company will need to generate consistent positive cash flows soon to avoid liquidity pressure.

4. Monitoring Points:

• Monthly turnover growth and progression toward profitability.
• Cash flow statements once available to assess operating liquidity.
• Timely filing of next accounts and confirmation statements.
• Any increase in liabilities or external borrowing.
• Directors’ strategy for scaling operations and managing expenses.