69/ 100

Virtual CFO · Credit Readiness

Nirmaya Estates Ltd

Property development & construction

Good78% chance of acceptance

Pillars

Cash position & runway (25%)69
Revenue quality (20%)62
Operational integrity (20%)87
Working capital health (20%)76
Cost discipline (15%)45

Strengths

  • Overdraft reliance — No overdraft
  • Revenue trend — +17% vs 3-mo avg
  • Director disqualification — None on record
  • Company insolvency — No cases
  • Cash tied up in receivables — 1.1 months of revenue in AR

Risks

  • Customer concentration — Top customer = 65% of revenue
  • Cash runway — 1.2 months
  • Receivables overdue — 30% of receivables overdue

All signals

SignalValueEvidenceScore
Cash runway1.2 monthsObserved4
Overdraft relianceNo overdraftObserved100
Revenue trend+17% vs 3-mo avgObserved100
Customer concentrationTop customer = 65% of revenueObserved0
Receivables overdue30% of receivables overdueObserved44
Cash tied up in receivables1.1 months of revenue in ARObserved93
Gross margin28% gross marginObserved45
Director loan exposure0.4 months of revenue overdrawnObserved79
Bank reconciliation gap8% unreconciledObserved60
Lender facility reduced / withdrawnNoDeclared100
Loan covenant breachNoDeclared100
Personal guarantees in placeYesDeclared55
Major customer lost / at riskNoDeclared100
HMRC arrearsNoDeclared100
Recent credit declineNoDeclared100
Director insolvency historyNoDeclared100
Supplier(s) on payment holdNoDeclared100
Secured debt (charges)No outstanding chargesPublic record85
Filing disciplineFilings up to datePublic record90
Director disqualificationNone on recordPublic record95
Company insolvencyNo casesPublic record95

This report is an informational data-quality indicator, not a credit decision, audit opinion, or investment recommendation. Scoring v0-placeholder-2026-06-27.

Shared via Virtual CFO · expires 23/10/2026