FINCH CYBER LIMITED

Executive Summary

Finch Cyber Limited appears financially stable based on its latest balance sheet with positive net assets and no overdue filings. The company's micro-entity scale and concentrated ownership are typical for its stage but warrant monitoring. Further diligence on cash flow and profitability is recommended to fully assess operational sustainability and liquidity.

FINCH CYBER LIMITED - Analysis Report

Company Number: 13768122

Analysis Date: 2025-07-29 19:01 UTC

1. Risk Rating: LOW
   The company demonstrates a solid net asset position relative to its micro-entity scale, with net current assets of £14,523 and net assets of £15,048 as of 31 March 2024. There are no overdue filings or signs of regulatory non-compliance. The company has adequate working capital and positive shareholders' funds, indicating solvency and liquidity at this stage.

2. Key Concerns:

• Limited financial history and scale: Incorporated in late 2021, the company has a relatively short operating history and small scale, increasing inherent business risks.
• Concentrated ownership and control: Two directors/shareholders hold majority control (Oliver Kersh 75-100%, Lucy Kersh 25-50%), which could pose governance risks if key individuals depart or disagree.
• Modest fixed assets and cash balance: Fixed assets are minimal (£1,175), and prior cash was very low (£100 in Nov 2022), suggesting the company may be dependent on ongoing capital injections or receivables for liquidity.

3. Positive Indicators:

• Strong net current assets: Current assets exceed current liabilities by a comfortable margin (£23,214 vs £8,691), indicating ability to meet short-term obligations.
• Up-to-date statutory compliance: Accounts and confirmation statements filed on time with no overdue filings or penalties.
• Micro-entity reporting: The company is appropriately classified as a micro-entity and takes advantage of simplified reporting, aligning with its size and complexity.

4. Due Diligence Notes:

• Review revenue streams and profitability: Profit and Loss accounts were not filed publicly; confirm income sources, margins, and sustainability of operations.
• Examine cash flow dynamics: Investigate the company's cash inflows and outflows to assess liquidity beyond balance sheet snapshots.
• Assess related-party transactions and governance: Given concentrated ownership, review board minutes and transactions that could impact minority interests or creditor risk.