Insolvency is rarely sudden. The warning signs – falling margins, recurring losses, payment delays, rising debt, shrinking reserves – are usually visible months or years ahead. Companies that act early have many options to recover; those that wait have far fewer. Stuart-Houghton Associates helps businesses identify risks in time and take the steps needed to avoid insolvency.
Early warning and honest assessment
We help management set up early warning systems that track liquidity, order intake, profitability, debt and covenant compliance. When distress appears, we provide an independent assessment of the situation, its causes and the urgency of action. This also helps directors meet their responsibilities, as in many jurisdictions they are legally required to monitor financial risk and act promptly.
Our services
- Financial health check – liquidity, profitability, balance sheet and financing.
- Early warning KPIs that flag risks before they become critical.
- Rolling liquidity forecasts showing shortfalls in advance.
- Restructuring concepts to restore profitability and stability.
- Cost and operational measures that protect core capabilities.
- Financing and refinancing options to strengthen equity and funding.
- Stakeholder negotiations with banks, creditors, suppliers and investors.
Credible plans, coordinated advice
Banks, investors and creditors support companies that present a credible plan – realistic, addressing root causes and showing a clear path to stability. Our crisis and turnaround specialists build plans that withstand scrutiny, presented with clear financial projections. We work alongside your lawyers and tax advisers, contributing commercial and financial expertise.
Our aim is to preserve value, jobs, customer relationships and know-how. Every engagement is strictly confidential and hands-on.
If you see warning signs in your business, act now. Contact us for a confidential initial discussion.
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