Spot the warning signs before options narrow

Answer a few straightforward questions about cash flow, creditors and day-to-day financial pressure. You’ll receive an instant indicative result and practical next steps.

Simple questionsNo EBIT, technical ratios or specialist financial knowledge required.

Instant indicationA practical early-warning score based on common pressure points.

Personal follow-upIf you want to talk, leave your details and McLenan Corporate can contact you.

Business Early Warning Check

Choose the answer that best reflects your current position.

1. Are you currently behind with HMRC?

NoSlightly behind or occasionally paying lateSignificantly behind / arrears are buildingHMRC pressure or formal action is a concern

2. How reliant is the business on overdraft or short-term borrowing?

Not reliantUsed occasionallyUsed regularly to support normal tradingClose to limits / fully reliant

3. Are suppliers chasing for payment?

NoOccasionallyRegularlyYes, and credit or supply is being restricted

4. Is payroll becoming difficult to meet?

NoSome pressure, but manageableConcerned about an upcoming payrollPayroll has been missed or may be missed

5. Are directors putting personal money into the business?

NoOccasionallyRegularlyRegularly and it is becoming unsustainable

6. What is happening with customer payments and cash flow?

Stable / healthySlightly tighter than usualIncreasing delays or recurring shortfallsSerious ongoing cash-flow pressure

7. Are loan or finance repayments becoming difficult?

NoSlight pressureIncreasingly difficultPayments have been missed or may be missed

8. Are there any legal or creditor threats?

NoFormal chasers / collection activityLegal action or court proceedings are being threatenedSerious enforcement or winding-up pressure

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Your result will appear here

Complete the questions to see your indicative risk level, the main pressure points identified and suggested next steps.

EARLY WARNING RESULT

0/100

LOWER CONCERN

Main pressure points identified

Suggested next steps

Would you like a confidential conversation?

Leave your details and McLenan Corporate can contact you to discuss the position personally. You do not need to enter detailed financial information here.

I agree to McLenan Corporate contacting me about this enquiry and understand that submitting this form does not create a formal adviser-client relationship.

Important: This is an indicative early-warning tool, not a formal insolvency assessment, legal opinion or financial advice. The scoring used in this demonstration is provisional and should be reviewed and approved by McLenan Corporate before public launch. If a business is facing immediate creditor action, a winding-up petition, difficulty paying staff or another urgent issue, professional advice should be sought promptly.