SWIFT VERITAS YIELD LTD

Executive Summary

Swift Veritas Yield Ltd presents a low risk profile based on its positive net asset position and strong liquidity with cash balances exceeding current liabilities. The company maintains good compliance with filing requirements and shows growth in equity over recent years. However, limited operational scale and lack of detailed profitability data warrant further investigation to confirm ongoing business sustainability and governance robustness.

SWIFT VERITAS YIELD LTD - Analysis Report

Company Number: 13180053

Analysis Date: 2025-07-19 12:44 UTC

1. Risk Rating: LOW
   The company demonstrates a solid net asset position and positive working capital with no overdue filings. Its cash holdings exceed current liabilities, indicating a low risk of insolvency or liquidity distress.

2. Key Concerns:

• Limited scale of operations: The company has minimal share capital (£1) and only one employee on average, which may constrain operational capacity and growth.
• Concentration of control: The directors share the same registered address and there is no indication of wider governance or independent oversight.
• Reliance on cash reserves: Despite healthy cash balances, there is limited information on revenue streams or profitability trends beyond balance sheet snapshots.

3. Positive Indicators:

• Strong liquidity: Cash at bank (£74,157) comfortably exceeds current liabilities (£19,761) as of the latest accounts, supporting the ability to meet short-term obligations.
• Growing net assets: Net assets have increased steadily from £33,042 (2021) to £64,695 (2024), suggesting retained earnings or capital injection.
• Compliance: All statutory filings, including accounts and confirmation statements, are up to date with no overdue submissions reported.

4. Due Diligence Notes:

• Verify revenue and profitability: The accounts do not disclose turnover or profit figures; further insight into income generation and margins is needed to assess operational sustainability.
• Examine director roles and related party transactions: Given the directors’ shared address and limited staff, investigate any related party dealings or governance concerns.
• Review contract pipeline and client base: As the company operates in management consultancy and civil engineering activities, understanding the order book or contracts in place would clarify future cash flow stability.