13,360 filings flag insider cash risk for trade creditors

Late payment is the complaint most suppliers know, but it is not the only warning in the filings. As of 3 August 2026, 13,360 UK Ltds are flagged by RecoupIQ’s capital-bleed signal across Companies House, UK public filing records. The average siphon-risk score for that group is 0.90, and director-loan growth is outpacing trade-debt growth. That matters because the Insolvency Service Annual Report and Accounts 2024-25 links economic confidence with tackling financial wrongdoing. For UK creditors, the message is practical. Changes in related-party balances can show stress before an overdue invoice becomes obvious.

“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).

What the filings show

The pattern RecoupIQ’s capital-bleed signal compares director-loan growth with trade-debt growth across public filings. The approach is outlined in RecoupIQ Methodology, how we compute UK Ltd risk signals and checked against RecoupIQ Audit-Our-Numbers, model calibration + findings ledger. On this reading, 13,360 companies meet the same warning test today. The key point is concentration around one balance-sheet pattern, not one sector. Across the flagged group, the average siphon-risk score is 0.90. That does not prove misconduct, and it does not say any company will fail. It does tell creditors where to look first when payment behaviour starts to wobble. For a supplier, that matters because filed accounts are public and comparable over time. You can see whether insider claims are growing while trade balances rise. That gives creditors a firmer review trigger than relying on promises, ageing reports, or collection chatter alone.

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“When director loans grow faster than trade debt, creditors should check whether supplier obligations are keeping pace”, Alex Vasile, founder of RecoupIQ.

Why it matters for UK creditors Suppliers often focus on debtor days, promised payment dates, and the next chase call. Those remain important, but this signal points to a different pressure point inside the accounts. If director loans are increasing faster than trade debt, trade creditors may want earlier conversations about payment discipline and credit limits.

What creditors should do For UK SMEs supplying these companies, the practical step is to review filed accounts, tighten terms, and seek staged payments. Continued monitoring of this signal in the coming weeks will show whether director-loan growth keeps outpacing trade-debt growth across the flagged group. 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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