82/ 100
Virtual CFO · Credit Readiness
Harbourline Logistics Ltd
Freight & logistics
Good89% chance of acceptance
Pillars
Cash position & runway (25%)63
Revenue quality (20%)85
Operational integrity (20%)97
Working capital health (20%)92
Cost discipline (15%)78
Strengths
- Director loan exposure — None
- Cash tied up in receivables — 1.1 months of revenue in AR
- Overdraft reliance — 10% of limit used
- Bank reconciliation gap — 2% unreconciled
- Revenue trend — +7% vs 3-mo avg
Risks
- Cash runway — 0.9 months
All signals
| Signal | Value | Evidence | Score |
|---|---|---|---|
| Cash runway | 0.9 months | Observed | 0 |
| Overdraft reliance | 10% of limit used | Observed | 90 |
| Revenue trend | +7% vs 3-mo avg | Observed | 89 |
| Customer concentration | Top customer = 24% of revenue | Observed | 72 |
| Receivables overdue | 12% of receivables overdue | Observed | 84 |
| Cash tied up in receivables | 1.1 months of revenue in AR | Observed | 96 |
| Gross margin | 41% gross margin | Observed | 78 |
| Director loan exposure | None | Observed | 100 |
| Bank reconciliation gap | 2% unreconciled | Observed | 90 |
| Lender facility reduced / withdrawn | No | Declared | 100 |
| Loan covenant breach | No | Declared | 100 |
| Personal guarantees in place | No | Declared | 100 |
| Major customer lost / at risk | No | Declared | 100 |
| HMRC arrears | No | Declared | 100 |
| Recent credit decline | No | Declared | 100 |
| Director insolvency history | No | Declared | 100 |
| Supplier(s) on payment hold | No | Declared | 100 |
This report is an informational data-quality indicator, not a credit decision, audit opinion, or investment recommendation. Scoring v0-placeholder-2026-06-27.