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Creditors usually look first at overdue supplier balances.
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Creditors usually look first at overdue supplier balances. Yet by 11 August 2026, 13,360 UK limited companies were flagged by RecoupIQ’s capital-bleed signal because director-loan growth outpaced trade-debt growth. Across that flagged group, the average siphon-risk score was 0.90. That matters because the pressure point is not the one many suppliers monitor first. In its Annual Report and Accounts 2024-25, the Insolvency Service said it aims to support those in distress and tackle wrongdoing. For creditors and advisers, this signal helps identify balance-sheet strain earlier in UK public filing records.
“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 standout feature in this dataset is the sheer size of the flagged cohort itself. All 13,360 companies sit in this group. Director-loan growth is moving faster than trade-debt growth, and the average risk score is 0.90.
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“When director loans grow faster than trade debt across so many filings, suppliers should check cash discipline before exposure widens.”, 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.
