SILVERBACK CONSULTANTS INTERNATIONAL LIMITED

Executive Summary

Silverback Consultants International Limited is a start-up micro-entity with limited financial history and weak working capital. Conditional credit approval is recommended, contingent on close monitoring of liquidity and financial performance as the business develops. The company’s small scale and ownership structure suggest manageable risk if cash flow is prudently managed.

SILVERBACK CONSULTANTS INTERNATIONAL LIMITED - Analysis Report

Company Number: 14935011

Analysis Date: 2025-07-29 14:17 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Silverback Consultants International Limited is a newly incorporated micro-entity (since June 2023) with limited operating history and minimal financial data. The company currently has very modest net assets (£100) and an adverse net current asset position showing a working capital deficit of £865, which raises concerns about short-term liquidity. However, as a management consultancy with a single employee and directors who also have significant share control, the business model suggests limited overhead. Approval is conditional on monitoring cash flow closely and obtaining updated financials to confirm improving liquidity and operational cash generation.

2. Financial Strength:
   The balance sheet shows very limited fixed assets (£965) and current assets (£1,330), against current liabilities of £2,195. The resulting negative net current assets imply a working capital shortfall, which could stress short-term creditor payments. The net asset value is minimal at £100, reflecting the company’s start-up phase. Equity is low but positive, indicating no immediate insolvency but little buffer for financial shocks. The company is classified as micro, so limited filing requirements restrict detailed analysis. Overall, the financial strength is weak but not alarming given the early stage of the business.

3. Cash Flow Assessment:
   With only one employee and small asset base, the company likely has low fixed costs, but the negative working capital suggests potential liquidity constraints. The lack of detailed cash flow statements limits assessment, but current liabilities exceed current assets by £865, which should be carefully managed. Continuous monitoring of debtor collections and creditor payments is essential. The directors’ dual roles and ownership concentration may facilitate quick financial decision-making to manage liquidity. No overdue filings reduce compliance risk.

4. Monitoring Points:

• Quarterly review of cash flow forecasts and working capital position to detect liquidity stress early.
• Timely filing of next accounts and confirmation statement to maintain regulatory compliance.
• Progress in increasing net assets and positive net current assets as trading matures.
• Any changes in director/shareholder structure that may affect governance or financial control.
• Business development indicators such as client acquisition and revenue growth to confirm operational sustainability.