INSOLVENCY & BUSINESS RECOVERY ADVICE
Understand your options when tax arrears, creditor pressure or cash flow put your business under strain.
A private first conversation about your business.
Your options explained in plain English.
Understand the starting point, without obligation.
◆ START WITH YOUR SITUATION
The strain is not always the same. Start with the pressure that feels closest to your situation.
◆ CASH FLOW, TAX & CREDITOR PRESSURE
Start with the tax balance, what the business can afford and any deadlines. We help you understand the information needed to assess your options.
Explore HMRC support
Late payments, HMRC arrears or overdraft strain. Stabilise first, then plan.
Explore recovery optionsUnderstand your options when creditor demands put the business under pressure.
Get help with creditor pressureDuties, guarantees and personal exposure — explained clearly and confidentially.
Advice for directors
◆ ABOUT VANGUARD
Financial difficulty is isolating. Directors often carry it for months before speaking to anyone, by which time the options have narrowed. Our role is to make that first conversation easy — and to make sure you leave it understanding what can realistically be done.
We advise on rescue and restructuring, formal insolvency processes and the personal position of directors, working closely with your existing accountant and solicitor.
More about Vanguard◆ OUR SERVICES
Start with the outcome you need. Explore the available routes in plain English, with the company’s circumstances at the centre.
Review cash flow, costs and creditors to understand whether the business can be stabilised.
Explore a formal proposal to repay company debts while continuing to trade.
Understand whether administration may be appropriate for the company’s position.
HOW IT WORKS
Tell us briefly what is happening and flag any urgent dates. You do not need to know which service you need.
We discuss the business, its debts and cash flow, and identify any information needed to assess the options.
We explain the routes that may be suitable, what each involves and any proposed costs before further work.
You decide whether to proceed. Where a formal insolvency process is needed, an appropriately licensed practitioner must handle the appointment.
◆ WHO WE HELP
Your role and business structure shape the questions we ask.
◆ EXPERIENCE ACROSS SECTORS
Find support that reflects how your business trades.
Explore everyone we help◆ WEST MIDLANDS & BEYOND
Find guidance for your business in 35 towns and cities. Speak to us by telephone or video.
Area pages describe service coverage, rather than physical offices. Explore the full location directory →
◆ GUIDES & RESOURCES
Practical reading for directors who want to understand the next step.
Start with accurate tax balances, a short-term forecast and the stage of any enforcement action.
Read guideBoth are formal insolvency processes, but their objectives and practical effects differ.
Read guideOrganise the demands, establish the cash position and get advice before pressure drives rushed decisions.
Read guide– CONFIDENTIAL BUSINESS ADVICE
Get clear advice when your business is under pressure. Tell us what is happening and understand the practical steps available to you.
◆ COMMON QUESTIONS
Seek advice promptly, keep financial records up to date and assess the company’s position before taking further decisions.
That depends on its financial position and prospects. A review can help establish whether continued trading or a restructuring route is appropriate.
We can help assess the position and explore a repayment proposal. HMRC decides whether to accept any Time to Pay arrangement.
We ask about your company, its debts and the pressures you face, then explain the information needed to assess your options.
