SILVIAN TRANS LTD

Executive Summary

Silvian Trans Ltd is a small, active freight transport company showing positive but modest financial growth with a simple balance sheet and adequate liquidity. The company’s financial profile supports small credit facilities with prudent limits and ongoing monitoring of turnover and working capital. Management appears stable, though the scale and history warrant cautious credit exposure.

SILVIAN TRANS LTD - Analysis Report

Company Number: 12655478

Analysis Date: 2025-07-29 13:55 UTC

1. Credit Opinion: APPROVE with caution. Silvian Trans Ltd is a micro private limited company operating in freight transport by road. The company is active with no overdue filings and shows recent modest growth in net assets and working capital. Although the scale is small and turnover is modest (£32k in 2023), the company maintains positive net current assets and no apparent liabilities beyond short-term creditors. The single director and majority owner, Mr. Sandu Amatiesei, appears stable with no negative conduct records. The business is low-risk for credit exposure at small facility levels but limited scale and history suggest cautious limits and close monitoring.

2. Financial Strength: The balance sheet is very modest but improving. Net assets rose from £100 in 2023 to £2,477 in 2024, driven mainly by growth in current assets (£3,946) over current liabilities (£1,469). Fixed assets are nil, consistent with a service business model. Shareholders’ funds match net assets at £2,477. The company has no long-term debt or complex liabilities, reflecting a simple structure with limited financial risk. However, the absolute asset base remains minimal, indicating limited buffer against shocks.

3. Cash Flow Assessment: Liquidity appears adequate given positive net current assets of £2,477 and current assets of £3,946. The company has improved working capital from prior years, which supports ongoing operational needs. There is one employee (the director), suggesting low overheads. Without detailed cash flow statements, it is assumed that turnover cash inflows cover short-term obligations. The absence of fixed assets reduces capital expenditure needs. The company should maintain prudent controls to ensure timely cash inflows and creditor payments.

4. Monitoring Points:

• Turnover growth and profitability trends: Current turnover is low; improvements or declines will impact repayment capacity.
• Working capital position: Monitor current assets and liabilities to ensure ongoing liquidity.
• Payment history and creditor ageing: To detect any emerging cash flow stress.
• Director stability and conduct: Mr. Amatiesei’s continued involvement is key.
• Filing timeliness: Maintain up-to-date statutory compliance to avoid penalties or reputational risk.