by Paul Brindley | Jul 28, 2026 | Creditor, Supplier and Employee Issues
When a director looks at the Companies House register and sees that the bank has a debenture, the natural reaction is often: “The bank is secured over everything, so there’ll be nothing left for anyone else.” That may be true. But often it isn’t. A debenture commonly...
by Paul Brindley | Jul 26, 2026 | Creditor, Supplier and Employee Issues
For forty years I’ve watched the tide of corporate distress come in and go out. What I’ve never had, that is until now, is a way to see it coming in real time. So this year we built one: an in-house Early Warning System that watches every West Midlands...
by Paul Brindley | Jul 21, 2026 | Creditor, Supplier and Employee Issues
Your company is short of cash. Suppliers haven’t been paid. Stock remains in the warehouse. Then one of those suppliers arrives and says: ‘Those goods still belong to us. We’re taking them back.’ For a director already under pressure, the temptation is...
by Paul Brindley | Jul 8, 2026 | Creditor, Supplier and Employee Issues
When directors first see a company’s estimated insolvency position, they often make a perfectly understandable assumption: “The company has £200,000 of assets and owes £300,000, so creditors should receive about 67p in the pound.” Sadly, it rarely works like that. ...
by Paul Brindley | Jul 1, 2026 | Creditor, Supplier and Employee Issues
Your company is running short of cash. Suppliers are pressing. HMRC is overdue. The overdraft is near its limit. Then a new customer offers to pay you a £5,000 deposit. For a director under pressure, that money can look like oxygen. But there is an uncomfortable...
