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When a company can't pay its bills or its debts are greater than its assets, it may be trading while insolvent — and this puts you, as a director, at risk.
The sooner you understand your position, the safer you are.
Our sole focus is protecting your personal assets and ensuring you understand your position clearly.
We don't work for creditors, liquidators, or other parties. We work exclusively for you — to minimize your personal risk, defend against wrongful trading claims, and help you navigate insolvency with your assets protected.
Unlike many advisors who serve multiple parties, our loyalty is 100% to you as the director. We exist to protect your position, your family's security, and your future — not to maximize creditor recoveries.
If the company continues trading while insolvent, your
responsibilities as a director change.
Your duty is no longer to shareholders — it shifts to protecting
creditors.
You could be held personally responsible for company debts — including loans and Bounce Back Loans — putting your personal assets at risk.
Liquidators and regulatory bodies will investigate your actions as a director, scrutinizing every decision made before insolvency.
Courts can impose significant financial penalties and order you to compensate creditors for losses resulting from wrongful trading.
You can be banned from being a company director for 2-15 years, severely limiting your future business opportunities.
Wrongful or fraudulent trading can lead to criminal prosecution, resulting in imprisonment and permanent damage to your reputation.
Most directors don't realize their company is insolvent until problems escalate. Early advice can prevent these serious consequences. The sooner you seek expert guidance, the more options you have to protect yourself and your business.
Many directors don't know their business is insolvent until problems
escalate.
Recognizing the signs early can save your business — and protect
you.
Struggling to pay suppliers, wages, rent, tax or loan repayments — even if just temporarily
Liabilities are greater than assets on the balance sheet
You're "juggling" payments to buy time or delay creditors
Pressure from HMRC or creditors threatening legal action
Using personal funds to keep the business going
Uncertainty is one of the biggest risks directors face. Without knowing whether your company is insolvent, you can't take the right steps to protect yourself.
We offer a free, confidential company health check to clarify your position quickly and help you understand:
Completely confidential • No obligation • Immediate clarity
Many people confuse the two — but they are
not the same.
Understanding the difference could save you from personal liability.
This simply means continuing to trade while insolvent.
Sometimes a business can be rescued, but decisions must be extremely careful. Not all insolvent trading leads to wrongful trading — if handled correctly with expert guidance.
May be temporary or due to cash flow timing
Can be resolved with proper restructuring
Requires immediate professional advice
This is far more serious.
You may be at risk of wrongful trading if:
Critical: If a company goes into liquidation, the actions of the directors will be reviewed, and wrongful trading can lead to serious personal consequences.
Insolvent trading becomes wrongful trading when you continue operating without proper advice and without taking steps to minimize creditor losses.
The key to protection: Get expert guidance immediately when you suspect insolvency. Document your actions. Show you're acting to protect creditors. This evidence can be the difference between director protection and personal liability.
Directors often fall into traps without meaning to.
These actions can cause serious problems later.
Missing Companies House deadlines or failing to file accounts on time can be seen as avoiding scrutiny and may indicate wrongful trading.
Allowing VAT, PAYE or Corporation Tax arrears to accumulate shows the company cannot meet basic obligations — a clear sign of insolvency.
Paying yourself dividends or drawings when the business is struggling directly harms creditors and is a serious breach of director duties.
Paying certain creditors before others — especially connected parties like family or other businesses you control — can be challenged and reversed.
Accepting loans the company could never realistically repay increases creditor losses and shows reckless disregard for your duties.
Using Bounce Back Loan funds incorrectly or for non-business purposes can lead to personal liability and fraud allegations.
Not bad intentions.
When you're under extreme stress, trying to save your business, and worried about your employees and creditors, it's easy to make decisions that seem right at the time but can be challenged later. This is exactly why independent, specialist advice is so critical — we help you navigate these pressures while protecting your position.
If the company enters insolvency,
investigators will look at what happened beforehand.
The consequences can be severe and life-changing.
You may be held personally responsible for some or all company debts — including loans and Bounce Back Loans.
This means your personal assets — savings, property, investments — could be at risk to settle company obligations.
Fines or compensation orders may be issued if director duties weren't followed.
Courts can order directors to compensate creditors for losses caused by wrongful trading, often tens of thousands of pounds or more.
This can range from director disqualification to, in extreme cases, criminal proceedings.
Director Disqualification: Banned from being a director for 2-15 years
Criminal Proceedings: For fraudulent trading or serious breaches, which can result in imprisonment
These consequences don't just affect your business — they affect your family, your future opportunities, your financial security, and your reputation.
Which is why early advice is critical.
Follow these five critical steps to protect yourself and your business.
Acting quickly protects you. The longer you wait, the fewer options you have and the greater your personal risk becomes. Time is critical, but panic leads to poor decisions.
Avoid talking only to accountants or people emotionally involved — you need neutral, experienced guidance from insolvency specialists who understand director protection.
Your accountant may be excellent with numbers, but insolvency law and director protection require specialist expertise.
Your duty switches to creditors, not shareholders. Everything you do from this point must prioritize minimizing creditor losses. This shift in duty is the foundation of director protection.
No selling assets
No taking dividends
No choosing which creditors to pay first
Every decision you make can be examined later. Get guidance before acting.
A quick conversation can prevent a long-term problem. Our specialists will listen without judgement, assess your situation, and give you clear guidance on your safest next steps.
Book Your Free Case Review NowGiving you clarity, protection, and a clear path forward — with no obligation.
Clear Understanding of Your Position
The Safest Steps to Take
A Plan to Protect Yourself
Calm Guidance Without Judgement
If you think your business may be trading insolvently — or you're not
sure —
speak to us before taking another step.
Speak to a specialist immediately for urgent advice and immediate support.
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Just straightforward, calm guidance to protect you and your business.
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Just straightforward, calm guidance to protect you and your business.