Alerts
Bank Rate is 4 per cent. Check what your lender can charge this week
The Bank raised Bank Rate by a quarter point on 5 November 2026 and revised its inflation projection up. Your facility terms decide what you pay.
Read thisDirector-side. Not practitioner-side.
Independent guidance for owner-managed businesses when the numbers turn. We are not insolvency practitioners, and we don't earn from the procedure you end up in.
Four things every director under pressure needs to know, in the order the questions usually arrive.
Every route open to the company, with who gets paid and in what order, before you sign anything.
Find out more →02Arrears, enforcement timetables and a repayment plan HMRC will actually accept.
Find out more →03Guarantees, the loan account, wrongful trading and disqualification risk, explained for your facts.
Find out more →04A practitioner has recommended a procedure. We'll tell you whether it is the only one.
Find out more →Guides, alerts and case files, written for the director reading them at 11pm.
The Bank raised Bank Rate by a quarter point on 5 November 2026 and revised its inflation projection up. Your facility terms decide what you pay.
Read this
HMRC
HMRC late-payment interest is due to rise to 8% for many taxes from 16 or 24 November 2026. A time to pay still leaves interest running.
Alerts
Alerts
Guides
Welsh rules from 1 April 2027 rename a retail multiplier and extend it, but the cash saving is not in the instrument.
Alerts
A Companies House year-end target is not your deadline. Non-compliance rules already in force can still bite if you leave a gap.
Alerts
Companies House and the IPO warned on 21 May 2026 that unaffiliated senders are invoicing directors for free or cheaper official services.
A letter, a call, a figure in the bank. Thirty minutes, confidential, no engagement letter.
Trade on, time to pay, CVA, administration, liquidation: each with its cost, its timetable and who profits from it.
If a formal procedure is right we say so, and introduce practitioners who have never paid us for the referral.