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Suppliers chasing payment face a recovery question: 13,360 UK companies sit on a watchlist as of 31 August.
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Suppliers chasing payment face a recovery question: 13,360 UK companies sit on a watchlist as of 31 August. RecoupIQ flagged these Ltds after public filings showed director-loan growth outpacing trade-debt growth in the reporting window. Across that cohort, RecoupIQ’s capital-bleed signal produced an average siphon-risk score of 0.90. That matters because the Insolvency Service Annual Report and Accounts 2024-25 sets confidence against wrongdoing and financial distress. For creditors, this signal is not proof of misconduct. It is a prompt to test whether director balances are rising faster than trade obligations in the same accounts.
“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). The named example is the paper trail in Companies House, UK public filing records. Creditors can see the sequence in filed accounts: director balances rise, while trade-debt growth lags behind, which is evidence rather than motive.
Keep watch on your customers and suppliers. recoup-iq.tech/pricing (Pro £149/mo) RecoupIQ Methodology, how we compute UK Ltd risk signals sets out the calculation logic. RecoupIQ Audit-Our-Numbers, model calibration + findings ledger records how the signal is calibrated and logged. Both matter because the difference between evidence and interpretation sits in the filings themselves, not in broad claims about sectors or directors.
“When director loans grow faster than trade debt, creditors should review the filing sequence before extending fresh terms.”, Alex Vasile, founder of RecoupIQ.
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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.
