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Company Debt Ltd We are experienced, licensed insolvency experts who provide real support to small and medium-sized businesses in the UK. Open Mon - Fri 9am–5:30pm

Our core focuses are business recovery and turnaround, managing any risks to your company and where necessary, business closures. Experienced company debt advice for sole traders, SMEs and large corporations. Follow us for company debt advice and news!

There’s a Budget on 28 October, and it’s tempting to wait and see. If your business is under real pressure, waiting is t...
22/10/2026

There’s a Budget on 28 October, and it’s tempting to wait and see. If your business is under real pressure, waiting is the one thing that rarely helps. 🧭

The Budget might change a tax rate. It won’t pay an overdue bill, unfreeze an account, or settle what you already owe. Those come down to what you do now, not what’s announced next week. 💬

You don’t need to decide anything today. But your options are always widest while there’s still time to use them.

Take our free 2-minute solvency check and see where you actually stand. 🔒

companydebt.com/insolvency-calculator

Free, confidential, no obligation.

Worried about where your company’s finances are heading? You’re not failing, and you’re not alone. 🤝Good directors end u...
21/10/2026

Worried about where your company’s finances are heading? You’re not failing, and you’re not alone. 🤝

Good directors end up here all the time, usually for reasons outside their control. What matters most isn’t a clever rescue. It’s looking at the numbers early, while the options are still wide. 📊

You don’t have to decide anything today. But it helps to know where you stand.

Our free 2-minute solvency check gives you a clear, private read. No details, no sales call. 🔒

companydebt.com/insolvency-calculator

Free, confidential, no obligation.

In nine days the Chancellor holds up a red box, and the whole country tries to guess what’s inside.Here’s the uncomforta...
19/10/2026

In nine days the Chancellor holds up a red box, and the whole country tries to guess what’s inside.

Here’s the uncomfortable part for any business already under pressure. Whatever’s in that box, it won’t touch the things most likely to sink you.

The Budget can change a tax rate. It can’t pay the invoice your biggest customer is sitting on. It can’t unfreeze a bank account, undo a personal guarantee you signed, or clear the VAT arrears already overdue. None of those are decided on 28 October. They’re decided by what you do about them now.

So watch the box, by all means. Just don’t let it become a reason to wait. The businesses that come through a rough patch aren’t the ones who guessed the Budget right. They’re the ones who dealt with what was in front of them while everyone else stared at the despatch box.

Whatever lands on the 28th, the most useful thing you can do in the next nine days has nothing to do with it: know your real cash position, and act on the problems that are already yours.

A business can be profitable and insolvent on the same day. Most owners don't realise those are two different questions ...
30/09/2026

A business can be profitable and insolvent on the same day. Most owners don't realise those are two different questions until it's too late to matter.

Profit is what's left after costs, on paper, over a period. Cash is what's actually in the account right now. A company can be winning on the first and losing on the second at the same moment: full order book, healthy margins, and no money for Friday's wages because it's all tied up in stock, or work done, or an invoice nobody's paid.

The law sees this even when directors don't. There are two insolvency tests. Can you pay your debts as they fall due (the cash flow test), and do you owe more than you own (the balance sheet test). A profitable company can fail the first while passing the second comfortably, and it's the first one that actually closes businesses.

That's why "but we're profitable" is one of the most dangerous sentences a director can lean on. Profit is a story about the past. Cash is what keeps the lights on tomorrow.

The number worth watching isn't your margin. It's how many days of cash you'd have if the next big invoice paid late. If you don't know it, work it out before something forces you to.

There's a Budget in four weeks, and the pre-Budget noise has started. Sell before the CGT change. Take the dividend now....
29/09/2026

There's a Budget in four weeks, and the pre-Budget noise has started. Sell before the CGT change. Take the dividend now. Restructure before the window closes. Most of it is guesswork dressed as urgency.

A cleaner way to think about the next month: separate the things you can genuinely do now from the things you're only guessing at.
Getting your real numbers in front of you, understanding your cash position, knowing what you'd owe if you acted and if you didn't, that's preparation, and it's useful whatever the Chancellor announces. Making a permanent, hard-to-reverse change to your business on a rumour about a policy that may not happen, that's a bet.

The trap isn't the Budget. It's letting a date in someone else's diary rush a decision that deserves its own timeline. A tax rule you dislike is usually survivable. A rushed restructure, a fire sale, a dividend you couldn't really afford, those are the moves people regret.
So get ready. Know your position cold, take proper advice on your situation. Just don't confuse being prepared with being panicked. One is planning. The other is a Chancellor you've never met making your decisions for you.

If a second tax letter from HMRC lands this autumn, read it carefully before you pay. Some people are about to pay the s...
28/09/2026

If a second tax letter from HMRC lands this autumn, read it carefully before you pay. Some people are about to pay the same bill twice.

Here's what's happening. HMRC sent Simple Assessment letters earlier this year, but they left out the tax due on savings interest. The banks report that separately, so a second letter is going out between October and December to add it in.

The catch: that second letter shows your total tax for the year, not just the new part. Pay the first one, then pay the full figure on the second, and you've overpaid. Getting money back from HMRC is far slower than sending it.

So if a second letter arrives: check what you've already paid, subtract it, pay only the difference. That's HMRC's own advice, buried in the small print.

And this net is widening. The number of people taxed on savings interest has gone from 1.2 million a few years ago to an estimated 4.5 million now, as frozen thresholds pull ordinary savers in. If you've never had one of these letters, this may be the year you do.

Source: HMRC / Simple Assessment, 2026.

If late payment has hit your business, the odds are someone owes you around £17,000 right now.That's the average per aff...
25/09/2026

If late payment has hit your business, the odds are someone owes you around £17,000 right now.

That's the average per affected business, from the government's own research. Money you've earned, work you've delivered, sitting in someone else's account instead of yours.

Here's what makes it quietly infuriating. It usually isn't a bad debt. The customer isn't disputing it or going under. They can pay. They've just worked out that your invoice is a cheaper source of working capital than their own overdraft, and that chasing it costs you time and awkwardness and them nothing.

The average affected business loses 86 hours a year to chasing. Two working weeks spent asking to be paid for work already done.
None of this is your failing. But the one lever you control is how fast and how firmly you chase. Terms agreed in writing before the job. Invoice out the day it's finished. A polite chase on day one late, not day thirty. It feels pushy. The £17,000 is what politeness costs.

Source: Small Business Commissioner / DBT, 2025.

There's a name for a business that earns just enough to cover the interest on its debt, but never enough to pay the debt...
23/09/2026

There's a name for a business that earns just enough to cover the interest on its debt, but never enough to pay the debt down, invest, or grow. A zombie.

It's a strangely comfortable place to be, which is what makes it dangerous. Wages get paid, suppliers get paid, the bank gets its interest. From the outside, and often from the inside, it looks like survival. Nobody's chasing you, so nothing feels urgent.

But a zombie isn't stable, it's just still. It has no cushion, so it can't absorb a shock. One lost customer, one rate rise, one bad quarter, and what looked like survival turns out to have been a slow decline that just hadn't hit the wall yet.

The Bank of England held rates at 3.75% last week, and three of its members wanted them higher. The cheap money that let a lot of these businesses tick over isn't coming back.

So the honest question is: is my business recovering, or just servicing? If every good month goes straight to interest with nothing left to build on, that's not a plateau. It's a warning, and a much better one to hear now than after the shock lands.

There's a Budget on 28 October. If your business is under real pressure, the most tempting thing to do is wait for it. T...
22/09/2026

There's a Budget on 28 October. If your business is under real pressure, the most tempting thing to do is wait for it. That's usually the wrong call.

Waiting for a Budget feels like doing something. It isn't. It's deferring a decision and hoping an outside event makes it for you. Meanwhile the things actually squeezing you, the overdue invoice, the VAT bill, the shrinking cash buffer, carry on regardless of what a Chancellor says in five weeks.

A Budget might change your tax bill next year. It won't pay this month's wages, and it won't reopen the options that quietly close while you wait.

The Budget is a date in someone else's diary. Your cash position is the one that's actually counting down. If the business is struggling, the move is to look at the numbers honestly now, and get advice while you still have choices.

Fewer businesses are failing right now. Fewer are being started, too.New company registrations fell 6% last quarter, and...
21/09/2026

Fewer businesses are failing right now. Fewer are being started, too.
New company registrations fell 6% last quarter, and start-up activity dropped in every single UK region. Insolvencies fell by the same 6%.

The failure number gets the headlines. This one matters more. A country where fewer people are willing to risk starting something is a quieter problem than a wave of collapses, and a slower one to reverse.

Businesses closing is a cycle. People deciding it isn't worth starting is a mood. The second takes far longer to come back.
Source: R3 Business Health Report, Q2 2026.

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