Articles

Unpaid Invoices & Late Payments: Your Business’s Silent Killer? 

Is your business struggling with unpaid invoices, late payments, or mounting debt? Discover expert solutions for directors facing personal guarantees, insolvency and HMRC liabilities. Act now to protect your assets and future.

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. A staggering 377 construction companies ceased operations in just 31 days. This concerning trend marks the third time in four months that construction has topped the UK…

£602,500 Saved – Personal Guarantee Solutions

We settled the £635,000 debt for just £32,500 – a life-changing saving of £602,500. Our client was understandably worried and stressed throughout the process, but her cooperation led to a resolution that gave her immeasurable relief and a fresh start.

Resolving a £360,000 Overdrawn Directors’ Loan for £15,000!

Yes, you read that right! At Bell & Company, we specialise in strategic negotiations that deliver life-changing financial solutions. Today, we want to share a case where we helped a client avoid bankruptcy by securing a remarkable settlement. Our client…

Construction Industry’s Ongoing Covid Debt Crisis

‘Five years after the pandemic, construction businesses continue to struggle with emergency loan repayments‘ As we approach the fifth anniversary of the UK’s first Covid lockdown, recent data has revealed the extent to which construction businesses are still burdened by…

Negative Developments in Your Property Portfolio?

Are you watching your property development project spiral out of control? With bridging finance lenders increasingly calling in personal guarantees across the UK, many developers are suddenly facing personal liability for unfinished projects. When Your Business Debt Becomes Personal This…

Bankruptcy: Smart Commercial Move or Last Resort?

Bankruptcy is a word that carries a lot of stigma, but in some situations, it can be the most commercial financial decision. Today, we’re taking a practical look at why bankruptcy might be the best path forward – particularly from…

Break the Cycle: Insolvency Insomnia

Every year, we cover this topic because it remains one of the biggest – and most silent – struggles for business owners. Sleepless nights, cold sweats, and the relentless mental spirals surrounding business debt, personal guarantee exposure, and financial collapse….

Don’t Let Self-Assessment Tax Debt Spiral: Understanding Your Options Before January 31st

As of January 23rd, 2025, HMRC reported that 3.4 million Self Assessment returns were still outstanding before the January 31st deadline. This mirrors last year’s concerning pattern, where an estimated 1.1 million individuals missed the deadline, each incurring a penalty…

Navigating Financial Uncertainty in 2025: A Guide for UK Business Owners

The headlines so far this month make for sobering reading. “JD Sports downgrading profit forecasts.” “Greggs reporting sales slowdowns.“ Even retail giants like “Tesco and M&S warning of rising costs.“ If these industry leaders are feeling the pressure, it’s understandable why many…

Facing Debt in 2025? Learn from Clients Who Found Relief!

Is your business debt becoming overwhelming? You’re not alone. We understand the complexities of financial struggles because we help people navigate these challenges every single day. At Bell & Company, we pride ourselves on authenticity and transparency, providing real solutions…

Understanding HMRC Debt: Winding-Up Petition Solutions.

Over the past week, we’ve spoken with more than 10 company directors who have received HMRC winding-up petitions. For many, it’s a stark reminder that HMRC don’t slow down for the festive season. Even in December, they continue to pursue…