33/ 100
Virtual CFO · Credit Readiness
Castor Joinery Ltd
Construction — joinery
Weak24% chance of acceptance
Pillars
Cash position & runway (25%)24
Revenue quality (20%)33
Operational integrity (20%)58
Working capital health (20%)25
Cost discipline (15%)23
Strengths
- Director loan exposure — 0.6 months of revenue overdrawn
Risks
- Cash runway — 0.2 months
- Lender facility reduced / withdrawn — Yes
- HMRC arrears — Yes
- Supplier(s) on payment hold — Yes
- Revenue trend — -17% vs 3-mo avg
All signals
| Signal | Value | Evidence | Score |
|---|---|---|---|
| Cash runway | 0.2 months | Observed | 0 |
| Overdraft reliance | 90% of limit used | Observed | 10 |
| Revenue trend | -17% vs 3-mo avg | Observed | 9 |
| Customer concentration | Top customer = 52% of revenue | Observed | 16 |
| Receivables overdue | 44% of receivables overdue | Observed | 13 |
| Cash tied up in receivables | 2.0 months of revenue in AR | Observed | 51 |
| Gross margin | 19% gross margin | Observed | 23 |
| Director loan exposure | 0.6 months of revenue overdrawn | Observed | 71 |
| Bank reconciliation gap | 14% unreconciled | Observed | 30 |
| Lender facility reduced / withdrawn | Yes | Declared | 0 |
| Loan covenant breach | No | Declared | 100 |
| Personal guarantees in place | Yes | Declared | 55 |
| Major customer lost / at risk | No | Declared | 100 |
| HMRC arrears | Yes | Declared | 0 |
| Recent credit decline | No | Declared | 100 |
| Director insolvency history | No | Declared | 100 |
| Supplier(s) on payment hold | Yes | Declared | 0 |
This report is an informational data-quality indicator, not a credit decision, audit opinion, or investment recommendation. Scoring v0-placeholder-2026-06-27.