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Suppliers and insolvency practitioners have a live watchlist to check.
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Suppliers and insolvency practitioners have a live watchlist to check. As of 10 August 2026, 13,360 UK limited companies carry a capital-bleed flag in RecoupIQ’s capital-bleed signal. Across that group, the average siphon-risk score is 0.90, drawn from director-loan growth against trade-debt growth in Companies House filing records. That matters because recoveries can weaken when director-loan extraction rises faster than trade debt. The Insolvency Service Annual Report and Accounts 2024-25 restated the agency’s role in supporting people and businesses in financial distress. For credit managers, that makes early scrutiny more valuable than waiting for a formal insolvency event.
“Our role is to deliver economic confidence by tackling financial wrongdoing and supporting those in financial distress.”, Insolvency Service, UK Insolvency Service (corporate statement, Annual Report 2024-25), in the Insolvency Service Annual Report and Accounts 2024-25 (2025-07-15).
Keep watch on your customers and suppliers. recoup-iq.tech/pricing (Pro £149/mo) Credit insurers and finance teams can also use the flag to revisit concentration risk across existing debtor books. Where delayed payment appears beside this signal, boards may want tighter sign-off before releasing further stock or services on credit. Because the signal comes from filed accounts, it fits routine credit control work. Advisers can compare a flagged customer with recent payment conduct, covenant requests and any push for longer supplier terms now.
“This score tells creditors where director-loan movements deserve scrutiny, before insolvency leaves less to recover”, Alex Vasile, founder of RecoupIQ. For UK SMEs supplying these companies, the practical step is to review terms and ask for updated financial information before more credit. Continued monitoring of this capital-bleed signal in the coming weeks will show whether elevated director-loan growth keeps outrunning trade-debt growth. Methodology + model calibration: recoup-iq.tech/methodology · recoup-iq.tech/audit-our-numbers. Run a free risk check on any UK Ltd: recoup-iq.tech/check-a-debtor
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Public records show financial distress weeks before credit rating agencies update. Select your situation to see the specific legal risks and what to verify before funds or work leave your hands:
Trigger: Your invoice is 7 to 30 days overdue. Emails are bouncing or promises to pay keep slipping.
High Court winding-up petitions are presented 14 to 30 days before public registers show liquidation. Once a winding-up order is made, trade creditors recover an average of £0.02 on the pound.
Verify live London Gazette winding-up notices, active strike-off proposals, and debenture registrations before you lose statutory priority.
Enter any company name or 8-digit Companies House number to see live status, balance sheet deficit, and adverse notices:
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