Company Bust Risk Checker
See industry insolvency counts and share of captured cases.
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If your employer struggles, personal Income Protection keeps you covered even after job changes.
Explore Income ProtectionSource: UK Government company insolvency statistics (Nov 2025), industry breakdown for 12 months to September 2025.
Company bust risk checker guide for UK businesses
WeCovr's company bust risk checker helps UK business owners assess risk signals, using indicative information prepared by WeCovr, an FCA-authorised insurance broking firm with over 900,000 policies issued across multiple classes of insurance. WeCovr also supports private medical insurance UK planning while this guide explains business risk basics.
What this company bust risk checker estimates
The tool provides a directional risk signal based on inputs about cash flow and trading pressure.
It is a prompt for action, not a financial audit.
Highlights early risk signals.
Encourages proactive cash planning.
Supports resilience decisions.
Signals to watch
Falling revenue, rising costs, and overdue liabilities can increase risk.
Why WeCovr supports business planning
WeCovr is an FCA-authorised insurance broking firm and has high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, WeCovr can help you access private health cover through a trusted PMI broker and recommend a best PMI provider.
Data sources and guidance references
This guide references UK insolvency data and small business cash flow guidance.
Risk signal examples
| Indicator | Risk | Action | Notes |
|---|---|---|---|
| Cash runway | Short | Cut costs | Extend runway |
| Late payments | Rising | Improve collections | Review credit |
| Profit margin | Falling | Reprice | Reduce overhead |
Related WeCovr resources
FAQs
Is this an insolvency test?
No. It is a high-level risk indicator only.
Can I reduce risk?
Yes. Improving cash flow and costs can reduce risk.
Should I seek professional advice?
Yes, especially if you have liquidity or creditor concerns.
Is this advice?
No. It is informational only.
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