Free, confidential, no-obligation advice · Lines open 24 hours, 7 days a week
Director-side insolvency & business rescue
Free, confidential advice for company directors under pressure from HMRC, lenders or an unpaid Bounce Back Loan. We act for you, before you sit down with an insolvency practitioner, not after.
Lines open 24 hours, 7 days a week · Nothing you tell us goes any further.
Most directors call us later than they should. Almost every one of them says the same thing afterwards: they wish they had made the call sooner.
PAYE, VAT or corporation tax arrears that are growing faster than you can clear them.
See how we helpYou need to know where liability actually sits before anyone tells you otherwise.
See how we helpIt is an asset a liquidator can pursue. Better to understand that now than later.
See how we helpMost directors are unsure exactly what they signed, or what it exposes.
See how we helpDeadlines shorten your options fast. Early advice is what keeps them open.
See how we helpThat is the most common call we take, and there is no cost to making it.
See how we helpPhoenix Company Consultants Ltd acts on behalf of directors and investors. We work directly with company directors, giving advice and guidance before you meet an insolvency practitioner, then guiding you through engaging with the IP and going through the system with them.
We are not insolvency practitioners and we do not claim to be. The IPs we refer clients to are licensed under the Insolvency Act. We also maintain our own panel of auctioneers and valuers, some RICS-associated depending on the case, and work closely with accountants and solicitors for clients heading into insolvency.
That independence is the whole point. When the person advising you is on your side of the table, you get the version of the position that serves you, not the version that serves a creditor.
Talk to us in confidenceWe act for the director. No creditor relationship, no divided loyalty.
Nothing you tell us on that first call goes anywhere else.
The initial consultation is genuinely free and carries no obligation.
Company insolvency and director advisory. No personal debt advice.
The situations directors come to us with most often. Every one of them starts with the same free, confidential conversation.
Behind on PAYE, VAT or corporation tax? Understand exactly what HMRC can and cannot do next, and what your realistic options are before enforcement escalates.
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Straight answers on what happens to an unpaid Bounce Back Loan, where director liability really sits, and how the loan is treated if the company closes.
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Where a viable trade sits inside a struggling company, restructuring can protect what works. We assess whether that route is genuinely open to you.
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If liquidation is the right answer, you should understand the process, the cost and your duties as a director before you appoint anyone.
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An overdrawn loan account becomes an asset a liquidator can pursue. Know the position early, while there are still choices to make.
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Confidential guidance on your duties, your exposure and your next move, from people acting for you, not for your creditors.
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Find out which guarantees you have actually signed, what they expose, and how they are dealt with when a company enters an insolvency process.
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A clear read of your company's position, the processes available, and what each one would mean for you personally.
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The conversation most directors never get: what to ask, what to prepare and what to expect, before you sit down with a licensed insolvency practitioner.
Get advice on thisTell us what is happening in plain terms. Free, confidential, no obligation, and the line is open 24 hours a day.
We look at the company's real position, debts, assets, guarantees, loan accounts, and set out the options that are genuinely available to you.
Where a formal process is needed, we introduce you to the right licensed insolvency practitioner and stay alongside you as you go through it.
A downturn left a well-regarded contractor unable to meet its tax liabilities. Liquidation, with assets independently valued and bought at a fair price, allowed the trade to continue.
The new company continues to grow and thrive.
A transport operator was accused of fraud and theft after buying stolen, already-financed plant machinery. We set out to prove they were the victims, not the culprits.
Their business was restored, lost contracts retrieved, and they are recovering in esteem, recognition and financially.
“Going through any change is stressful especially when it is your business that you have worked so hard to build. Working with the Phoenix Team made what could have been complete disaster into a simple process that enabled the business to continue. Extremely knowledgeable and well connected team that I have highly recommend to my friends already.”
“Phoenix team were outstanding! They were very professional and explained everything and introduced me to the best ways of dealing with the problems I was facing. Tony and the team were always available and guided me through a very difficult time for myself and my family.”
“Tony and his team were very reassuring and helpful with the problem I had. The service they provided was exceptional. A definite 5-star experience.”
Tony answers the questions directors are usually too worried to ask out loud, what HMRC can actually do, what a liquidator looks for, and where directors get caught out. Watch a few before you pick up the phone.
What HMRC can and cannot do next
Bounce Back Loans: where liability sits
Overdrawn loan accounts explained
What happens when a company is liquidated
A short introduction to how we advise directors, what we look at first, and the decisions worth taking before anyone is appointed.
We advise company directors nationwide. Wherever your business is based, the first conversation happens by phone or video on the same day where we can, and we can meet in person from any of our offices when that suits you better.
Nationwide coverage across England, Wales, Scotland and Northern Ireland
Not on the list? It makes no difference to how we work; we advise directors anywhere in the UK.
Yes. The initial advice is genuinely free, confidential and carries no obligation. You are not signing up to anything by picking up the phone, and nothing you tell us goes anywhere else.
No, and we are careful to be clear about that. Phoenix Company Consultants Ltd is a director advisory firm. We act on behalf of directors and investors. Where a formal insolvency process is needed, we refer you to licensed insolvency practitioners, professionals licensed under the Insolvency Act, and we guide you through engaging with them and going through the process.
Yours. We are independent and we act for the director, not the creditors. That is the whole point of speaking to us before you speak to anyone else.
No. We deal with company insolvency and director advisory only. We do not provide personal insolvency or personal debt advice.
Earlier than most directors do. The more time there is before enforcement action, the more options remain open. If HMRC pressure is building, a Bounce Back Loan is unpaid, or you have had a demand you cannot meet, that is the point to get advice, not after a deadline has passed.
We assess your company's position and explain your realistic options in plain English. If a formal process is right, we introduce you to the appropriate licensed insolvency practitioner and stay alongside you through it. If it is not, we say so.
When a company runs into trouble, almost everyone a director speaks to has an interest of their own. HMRC wants the tax collected. The lender wants the facility repaid. A creditor wants its invoice settled ahead of the queue. Each of them will explain your position, and each explanation will be shaped by what they need from you.
That is why the sequence matters. A director who understands their own position before entering a formal process makes better decisions in it: about assets, about timing, about which liabilities genuinely attach to them personally and which sit with the company. A director who does not can spend the whole process reacting.
Our role is to give you that understanding first. We assess the company’s real position, what it owes, what it owns, what guarantees have been signed, where the director’s loan account sits, and set out the options in plain English. Where a formal process is right, we introduce you to a licensed insolvency practitioner and stay alongside you as you work through it. Where it is not, we say so; there is no incentive for us to push you into a process you do not need.
HMRC pressure is the most common reason directors reach us. Arrears on PAYE, VAT or corporation tax rarely stay still, and the gap between a first reminder and enforcement action can close quickly. Bounce Back Loans are the second. Both are survivable positions far more often than directors assume, but the range of survivable outcomes narrows with every week that passes.
The same is true of personal guarantees and overdrawn director’s loan accounts. Neither is unusual, and neither is automatically catastrophic. What causes harm is discovering their effect at the point where nothing can be done about it. Most directors we speak to are not reckless; they are simply working with an incomplete picture of their own exposure.
We deal with company insolvency and director advisory only; we do not give personal insolvency or personal debt advice, so enquiries reach the right people quickly. If your issue sits outside that, we will tell you on the first call rather than waste your time.
That first call is free, confidential and carries no obligation, and the line is open twenty-four hours a day, every day. There is nothing to lose by finding out where you stand, and, in our experience, a great deal to lose by waiting.
Call us, or send a short message and we will call you back. Either way, the first conversation costs nothing and commits you to nothing.
0330 223 575407770 666896Free, confidential and no obligation. Company insolvency and director advisory only; we do not advise on personal debt.