VOSCAP NEWS
Why Emotional Financial Decisions Deepen Debt Problems – Insights from Stella Davis
Emotional decision-making can play a major role in worsening financial distress. In this expert feature, licensed insolvency practitioner Stella Davis explores how reactive borrowing and short-term thinking can deepen debt problems—and why early, structured action is key to recovery.
A Career in Insolvency: Qualifications, Skills and Growth Opportunities
A career in insolvency offers a unique blend of finance, law and business advisory, with clear progression from trainee roles to licensed practitioner status. This article explores the qualifications, key skills and career journey involved — along with insights into how professional development and hands-on experience can shape long-term success in the industry.
Restaurants, Pubs, Hotels: Inside the Perfect Storm Facing UK Hospitality
The UK hospitality sector has faced sustained pressure since COVID-19, with thousands of closures, rising costs and changing consumer behaviour reshaping the industry. This article explores the data behind the crisis and what it means for restaurants, pubs and hotels navigating an increasingly difficult operating environment.
Business Visibility in 2026: What Is Now Public and How It Is Interpreted
In 2026, people no longer just search for your company — they rely on AI tools to interpret it for them. This article explores how changing search behaviour, platforms like ChatGPT, and increasing UK transparency through Companies House are reshaping what the public can see about your business and how quickly trust is formed.
Business Advice: What Directors Should Know When Facing Financial Pressure
In this article, Voscap Managing Director David Voskou shares practical insights from his recent Brillance Talks podcast, explaining how financial problems develop, the importance of early action, and what directors can do to navigate business challenges effectively.
Part One - Thinking About the CPI Exams? What They Are, How to Revise, and When to Take Them
For professionals working in the UK insolvency sector, the Certificate of Proficiency in Insolvency (CPI) is often an important step in developing technical knowledge and progressing within the profession.
Awarded by the Insolvency Practitioners Association, the CPI provides a recognised benchmark of understanding across corporate and personal insolvency procedures, legislation and professional practice.
In this article, we explore what the CPI exams involve, when professionals typically choose to sit them, and practical revision techniques that can help candidates prepare. We also speak with VOSCAP team member Anthony Voskou, who is currently studying for the exams, about his motivation for taking the qualification and the study methods he has found most useful so far.
This is the first part of a two-part series following Anthony’s CPI journey as he prepares to sit the exams this June.
Why Fixed Charges Offer Stronger Protection than Floating Charges
Security over business assets plays a central role in commercial lending and corporate finance. In the UK, two of the most common forms of secured lending are fixed charges and floating charges, each offering different levels of protection for lenders and flexibility for businesses.
While floating charges allow companies to continue trading with working capital assets such as stock and receivables, fixed charges provide lenders with stronger control and higher priority in the event of insolvency. Recent high-profile business failures have once again highlighted how the structure of secured lending can influence creditor recoveries.
Inheritance Tax Reform 2026: What April’s Changes Mean for Business and Agricultural Assets
The UK government’s upcoming inheritance tax reforms will bring increased scrutiny to Business Property Relief (BPR) and Agricultural Property Relief (APR), with changes expected to take effect from April 2026. While the reliefs themselves remain in place, the reforms aim to ensure they apply primarily to genuine trading businesses and active agricultural operations.
For business owners and landholders, this shift means that business structures, asset holdings and succession plans may need closer review in the coming year. This article explores the key policy changes announced in the recent budget, what they mean for family businesses and farms, and practical steps owners can take to prepare before the new rules come into force.
From Dividends to Salaries: How Directors Are Adapting to Higher Personal Exposure
In 2026, director pay, tax planning and personal financial decisions are under greater scrutiny than ever before. This article explores how UK directors are adapting their salary, dividend and loan account strategies in response to tighter regulation, increased transparency and rising emotional pressure — and why balanced, compliant decision-making is now essential for long-term protection.
Family Feuds and Financial Distress: The Hidden Risk in Insolvency
Family dynamics can complicate financial decision-making, especially under stress. This article explores how unresolved tensions, informal arrangements and poor documentation can derail insolvency outcomes — and how directors can protect both their business and relationships through early structure and independent advice.
“You’re Doing Great” Isn’t Just for Kids: The Role of Praise in the Workplace
Praise in the workplace is more powerful than many leaders realise. This article explores how recognition influences motivation, performance and retention — and why praise must be specific, balanced and meaningful to truly support growth. We also examine the often-overlooked reality that leaders themselves still need acknowledgment.
Nearly 40 Years On: How the Insolvency Act 1986 Still Shapes Business Today
The Insolvency Act 1986 remains the foundation of UK business recovery nearly 40 years after its introduction. This article explores why the law was needed, how it still governs insolvency today, and what its principles mean for directors, creditors and modern businesses navigating financial pressure.
Rachel Reeves’ Fiscal Reset: What Tighter Tax Rules Mean for SMEs
Rachel Reeves’ fiscal reforms are reshaping how SMEs manage tax, reporting and financial accountability. This article explores what the new rules mean for directors, how insolvency processes are affected, and how businesses can adapt with confidence in 2026.
You Don’t Protect a Story by Dragging It Out — And You Don’t Save a Business That Way Either
A thought-leadership article from Voscap Business Recovery exploring how emotion, timing and decision-making shape business outcomes in distress — and why dignified endings protect future opportunity.
Why Companies Fear Insolvency — And Why They Shouldn’t
Many directors fear insolvency — but most of those fears are based on myths. In this article, Voscap Business Recovery breaks down the truths behind insolvency, including what really happens to directors, why insolvency is often a route to recovery, and how early advice can prevent unnecessary personal and financial consequences. A clear, reassuring guide for directors, accountants and advisers seeking clarity in times of financial stress.
Conversations Every Director Should Be Having with Their Accountant
2026 marks a major shift in how UK directors must manage their financial responsibilities. With stricter tax enforcement, expanded digital reporting through Making Tax Digital, rising borrowing costs and ongoing cash-flow pressures, accountants are now playing a more strategic role than ever before. This article explores the essential conversations every director should be having with their accountant — from tax exposure and digital reporting to stress-testing and reserves planning. It also examines how insolvency practitioners support both directors and accountants when early financial concerns arise. With insights from Voscap Managing Director David Voskou, this guide helps both directors and advisers navigate the new landscape of scrutiny, compliance and recovery planning. A must-read for SMEs preparing for financial stability in 2026.
Preparing for a HMRC Audit in 2026: Red Flags, New Expectations, and Practical Steps
As HMRC expands its digital reporting powers and increases real-time scrutiny in 2026, SMEs face a new compliance landscape. This article explains the latest audit triggers, common red flags, what directors can expect under the updated rules, and the practical steps every business should take now to protect themselves. Clear, proactive financial habits can make the difference between a smooth audit — or serious investigation.
From Crisis Mode to Cash-Flow Confidence: Building a Stronger Business in 2026
UK businesses are entering 2026 facing tighter lending rules, rising energy pressures and new supply chain changes linked to Brexit. This article explores how directors can strengthen their cash-flow planning, build realistic reserves, prepare for supply-chain disruption and create a resilient contingency strategy. A practical guide for directors, accountants and advisers preparing for the year ahead.
What Happens to Crypto in Insolvency? Understanding the New Challenges
Cryptocurrency is now a common business asset — but in insolvency, it brings complex challenges around ownership, valuation, and recovery. This article explains how UK law treats digital assets, the difficulties practitioners face, and what directors, creditors, and advisers must understand as regulation tightens heading into 2026.
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.
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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.