Risk & Due Diligence
Business risk assessment
Understanding where a business is exposed and identifying practical ways to reduce that exposure: financial, commercial, counterparty and operational.
What it is
A risk assessment identifies the exposures that could materially affect a business, estimates how severe and how likely they are, and sets out proportionate ways to reduce them.
It is evidence-based and specific to the business: concentration in a few customers, dependency on a single supplier, thin liquidity, a counterparty with a weak balance sheet.
Commercial and financial analysis. Not a statutory audit, legal opinion or regulated investment advice.
When it is useful
- A large share of revenue comes from a few customers
- A key supplier or partner has become hard to replace
- Cash is tight despite reported profit
- The business is growing faster than its controls
- A lender, partner or board has asked for a risk view
- You want to understand exposure before a major decision
What we assess
Scope is agreed up front; not every engagement needs every area.
Financial & liquidity
Cash runway, working capital, leverage and covenants.
Credit & counterparty
The ability of customers and partners to pay and perform.
Concentration
Dependency on customers, suppliers or products.
Commercial & market
Demand, pricing pressure and competitive threats.
Operational
Processes, systems, key people and controls.
Growth risk
What growth assumptions put under strain.
How we work
Map
Identify exposures across the business.
Measure
Severity and likelihood, using the evidence available.
Prioritise
Rank by impact on the business.
Mitigate
Practical actions, owners and monitoring.
Questions
Is this an audit?
No. It is a commercial and financial assessment of exposure, not a statutory opinion on accounts.
What do we receive?
A ranked list of exposures, the evidence behind each, and specific mitigation options.
Adviser
Richard Cuaresma helps businesses make better decisions where growth, credit, cash, risk and technology intersect.
Tell us what concerns you about the business. We will tell you where we would look first.
Discuss a risk assessmentConfidential and without obligation.