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Clock alongside tax blocks

By Ed Connell

26th February 2026

VAT repayments can be withheld under HMRC Time to Pay Arrangements

Many businesses use Time to Pay (TTP) arrangements with HM Revenue and Customs to manage tax liabilities during periods of cash flow pressure. While these plans can be extremely helpful, there is an important condition to be aware of that can have a real impact on business finances.

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By Lindsey Cooper

22nd January 2026

Challenges facing UK Pharmacies in 2026: Navigating financial constraints and rising costs

UK pharmacies are navigating a complex landscape marked by funding cuts, rising operational costs, regulatory changes, technological advancements, and workforce challenges, but there are way they can look to improve their position by following some best practice guidance. 

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Construction workers on scaffolding

By Armstrong Watson

1st December 2025

Survey reveals vulnerabilities in construction sector as industry faces high insolvency rates

Research by Armstrong Watson has highlighted significant challenges facing family-owned and owner-managed construction businesses, as the sector experiences the highest insolvency rates of any UK industry.

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Jar of hearts

By Ann Probert

28th November 2025

Practical solutions for charities in financial distress

Mergers within the charities sector continue to rise. According to data collected by the Charities Commission, mergers have increased over the last three years.

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By Ed Connell

9th October 2025

Survey insights reflect high insolvency rates in construction industry

The construction sector experienced the highest number of insolvencies of any industry, according to the latest statistics from The Insolvency Service. The data, published in September, shows that in the 12 months to July 2025, there were 3,973 insolvencies in the construction industry, accounting for 17%.

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By Ed Connell

18th September 2025

6 key factors causing financial distress in construction companies

Financial distress in the construction industry is a growing concern, with many companies facing mounting pressures that threaten their stability and long-term viability. Without robust financial strategies and operational resilience, even well-established companies can quickly find themselves in trouble.

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By Ed Connell

28th August 2025

How can recruitment agencies overcome challenges?  

Many recruitment agencies are facing huge challenges and, according to government statistics, 181 recruitment businesses entered liquidation in the six months to August 2025. But what can recruitment agencies do to improve their resilience? 

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By Lindsey Cooper

2nd August 2025

Navigating and mitigating the financial risks for leaders of smaller UK law firms

Cash flow problems, financial difficulties, and business exit strategies are significant concerns for leaders of smaller law firms. Understanding the risks and knowing your options can help mitigate personal liability and ensure the best outcome for your firm, clients, and career.

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By Ann Probert

19th June 2025

Private schools in financial difficulties - Governors’ responsibilities

The financial challenges facing independent schools are significant, and every situation is unique. The best course of action for school governors to take will vary depending on the specific circumstances of each school.

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By Daryl Warwick

10th June 2025

10 warning signs of a company in financial distress

There are a number of warning signs that indicate a company is in financial distress and swift action is required to improve operational and financial performance.

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