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Late payment and stretched credit lines are already familiar problems for suppliers.
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Late payment and stretched credit lines are already familiar problems for suppliers. As of 27 July, 13,360 UK limited companies carry RecoupIQ’s capital-bleed flag. Across that cohort, the average siphon-risk score is 0.90, based on director-loan growth outpacing trade-debt growth in the latest Companies House filing records. That matters because creditors are being asked to judge counterparties faster, and with less room for error. The Insolvency Service Annual Report and Accounts 2024-25 set out a clear public interest in tackling wrongdoing and supporting distressed businesses. For trade creditors, this signal is not a verdict, but it is a useful triage tool when cash discipline starts to weaken.
“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).
“A cohort this large tells creditors where to review terms first, because balance-sheet pressure can reach suppliers before formal insolvency processes begin.”, Alex Vasile, founder of RecoupIQ.
Keep watch on your customers and suppliers. recoup-iq.tech/pricing (Pro £149/mo) RecoupIQ says the signal is built from its methodology and checked against its audit ledger, using public filing evidence rather than anecdote. That matters when credit controllers need a defensible reason to ask for shorter terms, staged delivery or quicker payment. Credit managers should treat the flag as one input alongside debtor days, disputes and requests for revised payment plans. A single filing signal can be noisy, but a repeated gap between director-loan growth and trade-debt growth deserves board-level attention. Public records matter here because they let suppliers compare explanations against filed accounts, instead of relying on assurances made during a chase call. That makes it easier to document a credit decision and defend it internally before losses crystallise. 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.
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Active UK companies flagged by our intelligence models. Patterns to verify, never accusations.
