For suppliers, creditors and curious onlookers. What the filings mean, what to do when a customer goes under, and how the UK insolvency process actually plays out.
The free public-record method, what it shows, what a paid credit score from Experian or Creditsafe adds, and why a one-off check is only a snapshot.
The ten-minute check on the public record before you offer a new UK customer terms: status, filed accounts, charges, director history, and the judgment register.
The public filings that tend to show up before a UK company fails: late accounts, new charges, CCJs, director resignations, and why the pattern matters more than any one of them.
The two-minute check before you chase again: is this ordinary lateness, or has the company actually stopped trading.
Where your unpaid invoice ranks, what unsecured creditors typically get back (1p to 3p in the £), and what to do this week.
Identifying the liquidator, submitting a Proof of Debt, the three protections most creditors miss (retention of title, set-off, personal guarantees), and reclaiming the VAT.
What to do in the first hour, today, this week, and at the 75-day mark when a UK customer enters administration. The supplier's action list, with statutory references.
Twelve months by statute, with extensions common. Median UK administrator files the Statement of Affairs 47 days after appointment, proposals at 8 weeks.
How a Romalpa clause lets a supplier step outside the unsecured queue and reclaim unpaid goods from an insolvent customer. The four sub-types, the leading case law, and what to send the administrator.
The quick way to verify a company's status, plus the official Companies House (form AM01) and Gazette records and what to look for.
What the 16 most common UK Companies House and Gazette filings (AP01, TM01, MR01, NM01) actually mean, and what each can mean for a creditor.
Why a bank freezes a company's account after a winding-up petition, what section 127 of the Insolvency Act 1986 does, and the court order that lets specific payments through.
The 75-day filing every UK administration produces: what it lists, how to read total deficiency, and what real numbers look like across 109 parsed cases.
The eight-rank waterfall under section 175 of the Insolvency Act 1986. HMRC's secondary preferential status (reinstated 1 December 2020), the section 176A prescribed part, and what reaches the unsecured tier.
A struck-off company ceases to exist. Bank accounts freeze, assets pass to the Crown as bona vacantia. The two routes, the timeline, and how to object or restore.
Voluntary is director-led under section 1003 Companies Act 2006 (form DS01). Compulsory is registrar-led under section 1000. Side-by-side comparison.
A definition: who takes over, why companies enter administration, what it changes, and how it differs from liquidation.
Yes, usually. Why trading continues, who controls the company while it does, and what it means if you buy from or supply it.
Side-by-side comparison of three UK insolvency processes: aims, duration, who runs the company, creditor outcomes, and the Insolvency Act 1986 basis for each.
A binding deal between an insolvent UK company and its unsecured creditors under Part I of the Insolvency Act 1986. The 75% vote, the 50%-unconnected test, the 28-day challenge window, and why so many fail.
The cash-flow test and the balance-sheet test in section 123 Insolvency Act 1986, the duty shift to creditors confirmed in BTI v Sequana [2022], and the wrongful-trading rule.
What director disqualification means under the CDDA 1986, the nine grounds, how long it lasts (2 to 15 years), and where to check the public register.
Add up to 5 customers or suppliers free, and you get an email the day one of them goes into administration. Protect adds liquidation, strike-off and the earlier warning signs.