RecoupIQ provides business intelligence from public UK records. Nothing here constitutes financial advice, a regulated credit assessment, or a regulated activity under FSMA 2000. Evidence indicators summarise available records and are not credit decisions. ICO ZC077511. Privacy · Terms · Corrections

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Will this company go bust?

If you are about to give a UK company credit or terms, the real question is whether they will still be around to pay you. Here is how to read the warning signs, and the fast way to get a survival-risk read on any UK company.

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The warning signs of approaching insolvency

  • Cash and net assets falling year on year in the filed accounts.
  • Accounts late or minimal, filed at the deadline or in the smallest form allowed.
  • Insolvency notices in The Gazette, a winding-up petition, administration, or liquidation.
  • Directors resigning, especially several around the same time.
  • Paying suppliers ever later, a company that stretches its creditors is often running out of cash.
  • Charges piling up, new secured borrowing against the company's assets.

The fast way: a survival-risk read in minutes

RecoupIQ reads the accounts, The Gazette, the court listings, and the company's payment record, and returns a single survival-risk band with the evidence behind it, so you do not have to piece it together yourself. A Quick Check is £29; a full Forensic Report is £167. No subscription needed.

Quick Check, £29Forensic Report, £167

Common questions

How can I tell if a company is about to go bust?

Look for falling cash and net assets in the filed accounts, accounts filed late or in the most minimal form allowed, a winding-up petition or other insolvency notice in The Gazette, directors resigning, and a record of paying suppliers ever later. RecoupIQ scores all of these into a single survival-risk read.

What is a winding-up petition and should I worry about one?

A winding-up petition is a creditor asking the court to force a company into compulsory liquidation. It is one of the latest-stage distress signals on the public record. If a company you deal with has one, you should pause new credit and protect any money you are already owed.

Do late accounts mean a company is failing?

Not on their own, plenty of healthy companies file close to the deadline. But persistently late filings, or a switch to the most minimal accounts a company is allowed to file, alongside other signals, is a pattern worth taking seriously.

Can I check a company before extending credit?

Yes. A RecoupIQ Quick Check is £29 and a full Forensic Report is £167, both one-off, and they return a survival-risk read plus the public-record evidence behind it. Ongoing monitoring starts at £19.99 per month.