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The construction industry is the backbone of physical progress, shaping skylines, infrastructure, and communities. Yet beneath the surface of every project lies a financial tightrope. From delayed payments and spiralling material costs to labour shortages and contractual disputes, construction firms operate in one of the most volatile financial environments in business.
Tight margins, long project timelines, and unpredictable risks often lead to mounting debt pressures that can threaten even the most established firms. At Bell & Company, we understand these pressures intimately.
Our expert consultants bring sector-specific insight and decades of experience to help construction businesses restructure debt, protect cash flow, and regain control. Whether you’re facing HMRC challenges, creditor pressure, or the risk of insolvency, we’re here to deliver practical, effective solutions that get results.
1 in 6 UK business failures in the last year came from the construction sector.
According to 2025 industry reports, construction firms carry an average debt-to-turnover ratio of 64%, far higher than the UK business average (43%).
See How We’ve Helped Construction Business Directors
From subcontractors and developers to major contractors, we’ve supported construction firms across the UK and Ireland through complex debt challenges. Explore real-world outcomes that show how we’ve protected businesses, jobs, and reputations.
Director’s Loan: Litigation Halted & Liability Settled
A successful property developer granted a corporate guarantee on behalf of a family member’s hospitality business. Unfortunately, the onset of the Covid-19 pandemic disrupted the new venture, leading to its failure.
Property Development Personal Guarantees Settled
Our clients were property developers who were forced by their lenders to sell the principal property that was held as security.
Stay informed with the latest articles written by our expert team, tailored specifically for businesses in the construction sector.
UK Construction Sector Under Pressure: When to Seek Expert Insolvency Specialists
Did you know? The UK construction sector faced a significant downturn in March, experiencing the highest number of firm collapses since last summer.
Construction Industry’s Ongoing Covid Debt Crisis
Five years after the pandemic, construction businesses continue to struggle with emergency loan repayments‘
5 Reasons Construction Firms Fail (and How to Avoid Them)
he construction industry is the backbone of our society, shaping our cities, infrastructure, and living spaces. But, behind the towering cranes and bustling projects lies a harsh reality: construction firms face a high risk of financial failure.
We’ve created a dedicated Construction Debt Guide packed with expert advice
Are you a director in the Construction industry who is struggling with debt? Our new guide equips directors with the knowledge and strategies to navigate finances, optimise cash flow, and achieve debt-free success.
Stay Ahead of Sector Pressure – UK construction insolvencies are rising, with hundreds of firms failing in recent months This guide equips you to act before you’re next.
Comprehensive & Practical – It’s not theoretical—it’s built on frontline experience, supported by real-world case studies, clear FAQs, and actionable strategies.
Free, Fast, Effective – Download instantly and get immediate insights to safeguard your business and personal finances—no waiting.
Watch our detailed Client Case Study Video
In this case, Bell & Company successfully protected a construction sector client from a high-stakes legal challenge brought by a litigation funder. The client, an experienced contractor, was facing the potential loss of his family home due to a historic intercompany property transfer.
We intervened quickly – negotiating directly with the litigation firm’s leadership and legal team. We demonstrated that the property transfer was valid, supported by medical evidence and comprehensive documentation proving the client’s case.
Our efforts led to a negotiated settlement of £235,000, saving the client £660,000 and protecting both his home and personal standing, allowing him to focus on his health and future.
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