What are the early warning signs that my business needs help?

Key warning signs include declining cash flow, increasing debt levels, difficulty paying suppliers or HMRC, relying heavily on overdrafts, losing key customers or staff, and receiving legal threats like statutory demands or winding up petitions.

How can you help protect my personal assets as a company director?

We provide comprehensive director protection including defense against misfeasance claims, personal liability assessments, asset protection strategies, and guidance on director duties during financial distress.

What's the difference between a CVA and Administration?

A Company Voluntary Arrangement (CVA) allows your business to continue trading while paying creditors reduced amounts over time. Administration provides stronger legal protection but involves an administrator taking control.

Free Business Crisis Assessment Tool - UK Company Risk Analysis

1. What is your current cash flow situation?

Positive cash flow

We have sufficient cash to meet all obligations

Cash flow is tight

We can meet current obligations but have little buffer

Struggling to pay bills

We're behind on some payments and struggling monthly

Critical cash shortage

We cannot meet essential payments and may close soon

2. Do you have any HMRC debts?

No HMRC debts

All tax obligations are up to date

Small HMRC debt (under £10K)

We owe less than £10,000 to HMRC

Significant HMRC debt (£10K-£50K)

We owe between £10,000 and £50,000 to HMRC

Large HMRC debt (over £50K)

We owe more than £50,000 to HMRC

3. Are you facing any immediate threats?

No immediate threats

No urgent demands or enforcement action

HMRC enforcement action

Bailiff threats, asset seizure, or bank freezing

Winding-up petition threat

Creditor has threatened or filed winding-up petition

Landlord eviction notice

Premises at risk due to rent arrears

Bank facility withdrawal

Overdraft cancelled or loan recalled

4. What is your business's underlying viability?

Strong underlying business

Good customer base, profitable operations, temporary cash flow issue

Viable with restructuring

Could be profitable with debt reduction and operational changes

Struggling but salvageable

Significant challenges but some valuable assets or contracts

Fundamentally unviable

No realistic prospect of recovery or profitability

5. What is your total debt level?

Under £50K total debt

Manageable debt level for business size

£50K - £250K total debt

Significant but potentially manageable debt

£250K - £1M total debt

High debt level requiring formal procedures

Over £1M total debt

Very high debt requiring complex solutions

Your Assessment Results

Based on your responses, here's your personalized business crisis analysis:

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