VOSCAP NEWS
Fresh Rules, Fresh Responsibilities: The New Business Landscape After the Budget
The November Budget introduces major tax, compliance and reporting changes that will reshape how SMEs operate in 2026. This article explains what the updates mean for small and medium-sized businesses, how insolvency and administration processes will be affected, and the practical steps directors should take to prepare. Featuring expert commentary from Voscap Managing Director David Voskou, the piece explores how tighter oversight, earlier intervention and enhanced digital reporting create both new responsibilities and new opportunities for well-prepared businesses.
When Business Debts Become Personal: The Real Impact of Guarantees
Personal guarantees can be a lifeline or a liability. This article explores how business borrowing can become personal, the latest UK regulatory guidance on fair treatment, and one director’s real experience of debt turning into lasting personal hardship.
Balancing Accountability and Recovery: The Debate over Insolvent Trading Penalties
As scrutiny on UK directors intensifies, the debate over insolvent trading penalties has reignited. This article explores how the law is shifting, how to balance director accountability with business recovery, and what it means for creditors, advisers, and company directors.
Handling Car Finance Claims: Interim Guidance for Insolvency Practitioners Following the Supreme Court Ruling.
The Supreme Court’s decision in Hopcraft v Close Brothers has reshaped how car finance agreements are regulated across the UK. With the FCA preparing a 2025 consultation on a redress scheme, insolvency practitioners, accountants, and advisers are being urged to prepare for changes affecting motor finance claims and consumer compensation. Voscap outlines what the interim guidance means and how to stay compliant.
Post-COVID Business Support: Are We Still Learning the Right Lessons?
Government-backed COVID loans such as BBLS and CBILS helped thousands of UK SMEs survive lockdowns, protecting jobs and stabilising businesses. But several years on, many directors are still facing the financial consequences — from ongoing repayments and cash flow pressure to personal guarantees and insolvency risks. This article explores how COVID loan debt continues to shape business decisions today, the challenges directors are dealing with, and the key lessons in resilience and recovery for SMEs moving forward.
How Transparent Should You Be with Staff During Financial Difficulty?
During financial difficulty, leaders face a fine balance between honesty, legal obligations, and avoiding unnecessary panic. Staff often notice warning signs before management speaks up, so the real challenge is calibrating transparency. This article explores the legal red lines, risks, and benefits of openness, and how earned transparency builds trust, protects reputation, and keeps teams aligned. Learn how directors can communicate financial strain responsibly while safeguarding both staff morale and business stability.
World Mental Health Day 2025: Leading with Resilience in a Fast-Paced World
On World Mental Health Day 2025, Voscap Business Recovery explores the unique mental health challenges faced by company directors and senior leaders. In London’s high-pressure corporate environment, decision-making, time constraints, and isolation can take a heavy toll. Drawing on personal insight, this article highlights the importance of resilience, supportive workplace culture, and open conversations about stress and burnout. Learn how directors can protect their wellbeing, manage pressure more effectively, and foster healthier, more resilient businesses.
Insolvency Service’s Five-Year Strategy: What the New Focus on Economic Crime Means for Practitioners
The Insolvency Service’s new five-year strategy (2025–2030) places a sharper focus on tackling economic crime, strengthening enforcement against director misconduct, and raising insolvency standards. For insolvency practitioners, directors, and advisers, this marks a new era of scrutiny — with increased regulatory oversight, stricter compliance requirements, and closer collaboration with enforcement agencies. Learn what the changes mean for practitioners and business leaders, and how to prepare for heightened accountability.
New Law Will Require Companies to Publish Revenue and Profit Figures: What This Means for UK Business
The Economic Crime and Corporate Transparency Act (ECCTA) 2023 introduces major changes for UK companies.
For the first time, small and micro-entities must publish full profit and loss accounts, including revenue and profit figures.
These reforms aim to enhance corporate accountability and reduce misuse of company structures.
While implementation may be delayed until 2026–27, directors should prepare now.
This guide explains who is affected, when changes apply, and how to stay compliant.
How A Debt Relief Order Offers a Clear Path Back to Financial Stability
A Debt Relief Order (DRO) provides a simple, low-cost route out of unmanageable debt.
Recent reforms in 2024 expanded access by removing fees, raising the debt threshold to £50,000, and increasing vehicle allowances.
Over a 12-month moratorium, debts are frozen—then written off if circumstances remain unchanged.
This guide explains eligibility, the pros and cons, and what applicants can expect.
For those with limited income and assets, a DRO can be a vital step toward financial stability.
The Extension of HMRC’s Powers in Insolvency Cases – Fair Protection or Regulatory Overreach?
HMRC’s role in insolvency has expanded since regaining secondary preferential status in 2020.
With corporate debt rising in 2025, its extended powers raise questions of balance—fair protection or regulatory overreach?
This article explores creditor rights, director accountability, and HMRC’s enforcement tools in insolvency cases.
From JSLNs to security bonds, the focus is on protecting public funds while maintaining fairness for all creditors.
Directors, lenders, and practitioners must understand these changes to navigate compliance with confidence.
Accountable Leadership: Meeting the Rising Expectations for Professional Conduct in the Financial Sector.
This article explores the changing expectations for professional conduct in the UK financial sector, highlighting how ethical leadership, culture, and personal accountability have become central to regulation in 2025. From SM&CR requirements to non-financial misconduct scrutiny and ESG disclosures, senior professionals must lead with integrity and transparency. The article outlines practical steps executives can take to align with FCA priorities and strengthen internal governance frameworks. Designed for board members, certified persons, and regulated firms, this guide provides a clear path toward building resilience and trust in a complex regulatory landscape.
Understanding IVAs and PVAs: A Guide to Individual and Partnership Voluntary Arrangements
This in-depth guide outlines the key differences between Individual Voluntary Arrangements (IVAs) and Partnership Voluntary Arrangements (PVAs), and explains how both offer structured alternatives to bankruptcy in the UK. With the 2025 IVA Protocol introducing new protections, flexibility, and guidance for debtors, the article helps readers understand which option is best based on their financial situation. Ideal for individuals, partnerships, and business owners exploring regulated debt solutions or facing creditor pressure, this article demystifies the insolvency process and highlights how early action can lead to better outcomes.
A Summer in the City: What an Internship at Voscap Taught One Law Student About the Professional World
In this reflective feature, Nottingham Trent University law student Michael Georgiou shares his experience interning at Voscap Business Recovery in London. From hands-on insolvency casework to learning how professional teams collaborate under pressure, the internship offered a powerful introduction to the realities of the corporate world. His story highlights the value of student internships in developing commercial awareness, legal insight, and confidence at the start of a professional journey. This article is a must-read for students considering careers in law, business, or finance—and for companies interested in mentoring future talent.
Staying Grounded at the Top: How Senior Professionals Can Protect Their Mental Health in High Paced Environments.
In today’s high-stakes business world, senior professionals face increasing pressure—from compliance and investor expectations to long hours and decision fatigue. This article explores how leadership in 2025 is evolving to include mental clarity, resilience, and emotional intelligence as core competencies. With insights from Meletius Michael, founder of Meletius Coffee Roasters, we outline practical strategies to stay grounded, protect wellbeing, and lead with self-awareness in even the most demanding environments. Includes up-to-date UK legal context around director responsibilities and workplace mental health.
Building Resilience Through Sustainability: Why ESG Matters in Recovery.
In today’s recovery landscape, sustainability is not a luxury — it’s a necessity. As ESG pressures mount from regulators, investors, and customers, forward-thinking businesses are integrating environmental, social, and governance strategies into their restructuring plans. From greener operations to transparent governance, this article explores how ESG is reshaping recovery. Discover why aligning with sustainability drives resilience, attracts capital, and secures long-term value. Learn how companies like Brewgooder and Unilever are leading the way — and how your business can too.
Selling a Business in Administration: What Directors and Buyers Need to Know.
Selling a business during administration presents both risks and opportunities.
With company administrations at record levels in 2025, directors and buyers must understand the legal, financial, and procedural requirements involved.
From valuations and pre-pack sales to compliance with SIP 16 and connected party rules, structured planning is essential.
This guide explains what both parties need to consider to maximise value while staying compliant.
Voscap offers expert support throughout the sale process—safeguarding outcomes and reputations.
Evolving with Purpose: The Voscap Brand Refresh
Discover how Voscap's brand refresh reflects its modern, people-first approach to business recovery, with a bold new look, updated website, and renewed purpose.
New Regulatory Duties For Insolvency Practitioners: What You Need To Know.
As of 14 May 2025, UK Insolvency Practitioners must comply with new reporting duties under updated sanctions regulations. Learn what’s changed, why it matters, and how to protect your firm from regulatory risk.
Are You at Risk of Falling Behind on PAYE or NI?
Falling behind on PAYE or National Insurance payments can be more than just a temporary cash flow issue — it’s often an early red flag that a business is under financial distress. With enforcement action from HMRC a real risk, understanding the warning signs and acting early can make the difference between recovery and insolvency. This article breaks down the causes of employee tax arrears, the implications for directors, and practical steps to regain control and compliance before it’s too late.
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ABOUT VOSCAP
Voscap’s primary objective is to save your business. Our team of experts’ knowledge in restructuring and turnaround assignments is invaluable when assessing the best option available to your needs. With experience spanning several decades, we have the skill and resources to provide viable solutions within all industry sectors. All organisations go through difficult times and we are here to help. From small to multi-million turnover businesses, we have dealt with the most complex of cases. We offer an initial free assessment in analysing your financial position and providing clear and precise advice making your experience a simple non-complicated process.