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The 13‑Week Cashflow Forecast Every Director Should Understand

The 13‑Week Cashflow Forecast Every Director Should Understand

by Paul Brindley | Mar 5, 2026 | Advice to Directors

There’s a moment most directors recognise… usually late at night, staring at online banking, refreshing the screen as if the numbers might magically improve. Sales are uneven. Creditors are calling more often. VAT is looming. Payroll is getting uncomfortably...
Directors’ Duties: The First 7 Days After You Realise Insolvency Is Likely

Directors’ Duties: The First 7 Days After You Realise Insolvency Is Likely

by Paul Brindley | Feb 17, 2026 | Advice to Directors

A practical action plan for directors who want to stay in control, protect creditors, and protect themselves That moment arrives quietly for most directors. You’re not sleeping well. You’re juggling payments. HMRC is chasing. Suppliers want pro-formas. Cash is leaving...
HMRC Winding-Up Petitions: The Timeline, the “Information Gap”, and What Happens to Your Bank Account

HMRC Winding-Up Petitions: The Timeline, the “Information Gap”, and What Happens to Your Bank Account

by Paul Brindley | Feb 11, 2026 | Advice to Directors

When HMRC (or another major creditor) decides it has had enough, the escalation to compulsory liquidation can feel brutally quick. In reality, it is usually a process with recognisable stages, and the most important thing to understand is this: The danger point is...
Directors’ Duties When a Company Is Insolvent

Directors’ Duties When a Company Is Insolvent

by Paul Brindley | Feb 4, 2026 | Advice to Directors

What changes, what doesn’t… and what really matters If you’re running a limited company and the finances are worsening, there’s a moment that sneaks up on you. Nothing dramatic happens.  No alarms. No letters in red ink. But quietly, in the background, the rules...
If your company has no assets, why would you go into a CVL?

If your company has no assets, why would you go into a CVL?

by Paul Brindley | Jan 18, 2026 | Advice to Directors

I’m going to start with something that surprises a lot of directors. If your company has no assets, and you’re being told you “must” pay personally to put it into a Creditors’ Voluntary Liquidation (CVL)… pause. Breathe. Then ask one simple question: “Where does it...
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