Composite / composite / Immediate
A combination of immediate liquidity risks creates a scenario where multiple failure modes can activate simultaneously.
Liquidity Shock Risk (S3) + (Collections Deterioration OR Customer Concentration) + Runway below critical threshold
Runway is [redacted] months. Your biggest client ([redacted]% of revenue) has $[redacted]K in AR at [redacted] days past due. Two of eight stress scenarios produce emergency-level runway. If the big client pauses payment for another month, you enter the red zone. If they churn, you're in crisis within [redacted] days.
Exact thresholds, formulas, and severity bands are omitted from this public view. The full methodology, with every figure, is available in the authenticated app.
Cash operations become unrecoverable when the first shock hits — there is no buffer to absorb a second concurrent event. Worst-case scenario runway is [redacted] months.
The exact thresholds, the formula, and your own figures are in the authenticated app. See it against a real, simulated dataset for Integra Executive Services, our public demo company, or connect your own QuickBooks Online account.