Questions worth asking about Selby Print Ltd, answered from its own numbers. Some of them end in something to do.
£45,500 of the £62,800 in the account is tax. VAT of £18,400 due in nine days, corporation tax of £15,800 assessed, and £11,300 accruing on this year.
That leaves £17,300, which is £12,700 under the £30,000 floor you set. First time since I started reading these accounts.
31 days on average, stretching. Ryedale took 48 and 55 on their last two and the current £11,250 is 46 days past due.
Print is a trade where the paper is paid for before the job is invoiced, so every day of that is funded by you.
Not on what is invoiced. The bill is £18,400 in nine days and only £6,400 of the ledger falls due inside that window.
Card income through Stripe has run at £4,100 a fortnight and is down 18% on your twelve week average, so I would not count on it closing the gap. The pipeline has £41,500 weighted but nothing at contract, and nothing there converts to cash in nine days.
The £14,800 sitting past sixty days is the only source that can cover it in time. That is a phone call this week, not a reminder.
Ridgeway Media. £12,400, sixty-eight days out, chased by email twice with no reply.
Companies House shows a charge registered against them in March and their accounts are overdue. A business that has just borrowed against its assets and stopped filing on time is not usually sitting on your invoice by accident.
Your ledger shows the debt and the register shows the borrowing. Neither is alarming alone. Together they change what you do this week.
£3,120 a month, £37,440 a year, and the press lease is £2,400 of it. That is the one commitment you cannot reduce without stopping printing.
The rest is £720 across nine standing payments, three of which have not changed since 2023 and one of which is a software seat for somebody who left.
Five payments totalling £3,120 are unexplained and fourteen more were never confirmed.
On a business this tight that matters more than it would elsewhere: £3,120 is most of what stands between the VAT bill and the floor.
Not at £32,000 on the current position, and the interesting answer is not no.
It is when. After the VAT payment clears and the sixty-day book is collected, headroom is back above the floor with cover. On your own collection history that is about seven weeks.
The pipeline does not change that. £41,500 weighted with nothing at contract is not a hiring case, it is a forecast.
7 answered here. The product carries 21, and adds to them as more of a business connects.