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A business is insolvent when it is unable to pay its debts as they fall due or if liabilities exceed the assets (the ‘balance sheet test’).

Insolvency comes in many forms including: Liquidation, Administration, Bankruptcy and Voluntary Arrangements.

In some cases it can be possible to avoid formal insolvency if you act soon enough. The key is to recognise that you have a problem and to deal with it – not hide from it – like we all want to do.

Just a quick email to say a heartfelt thank you for your very calm, considered, expert advice regarding my circumstances on Tuesday. Things looked bleak before you explained my options much more clearly, in simple layman’s terms.
Rob Elliott (14th December 2021)



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David Kirk Portrait

David Kirk

Licensed Insolvency Practitioner