Company Number: 14860050

Analysis Date: 2025-07-29 16:56 UTC

1. Credit Opinion: DECLINE
   Sayvr Limited is a newly incorporated private limited company engaged in business and domestic software development. The financial statements for its first period ending 31 May 2024 show severe financial distress. The company has net current liabilities of £12,758 against minimal cash of £200, resulting in negative shareholders’ funds of £12,760. There is no indication of revenue or profit generation, and the company has a very limited capital base (£2.02 share capital). This weak financial position suggests the company currently lacks the ability to service any credit facilities. Without clear evidence of funding injection or profitable operations underway, the credit risk is high and repayment capacity is unproven.

2. Financial Strength
   The balance sheet reveals an absence of fixed assets and negligible current assets, aside from a nominal cash balance. Current liabilities of £12,958 exceed current assets by a wide margin, indicating poor liquidity and working capital management. Negative net assets and shareholders’ funds imply the company is technically insolvent under accounting standards. Given the company’s very recent incorporation (May 2023) and its negative equity position within the first year, the financial strength is weak and unable to support additional debt comfortably.

3. Cash Flow Assessment
   Cash reserves are critically low at £200, insufficient to cover short-term liabilities of almost £13,000. The negative net current assets position suggests the company is reliant on external funding to meet obligations. There is no filed income statement, but the lack of current assets beyond cash and the deficit equity imply that cash inflows from operations are currently minimal or nonexistent. The company’s ability to maintain liquidity and meet working capital needs without further capital injections is doubtful.

4. Monitoring Points

• Track subsequent filings for improvements in net current assets and cash balances.
• Monitor revenue and profit trends once income statements become available to assess operational cash flow generation.
• Watch for any director or shareholder capital injections or external financing arrangements.
• Review director conduct and filing compliance to ensure ongoing governance stability.