DistressCheck · honest 60-second triage

How distressed is the business — actually?

Six honest questions. HMRC position, cashflow runway, creditor pressure, director's loan exposure, trading position, personal guarantee. Composite distress score 0-100. Plain-English next step. If the score says it's serious — free 30-min call with a Begbies Traynor licensed insolvency practitioner. No fee. No commitment. Just the right next call.

Start the check →
6
Questions
60s
Per answer
£0
Check + first call
30m
Begbies call if needed
/calc/distress-score

Six honest answers. Composite score. Plain-English next step.

No data is shared anywhere unless you choose to send it. The scoring engine runs in your browser. If you opt in at the end, the result + your contact details route to Begbies Traynor for a free 30-min call.

Be honest — the further down, the more it changes the answer.
Cash in bank ÷ weekly burn rate.
Negative DLA = personal liability that can follow you out.
PGs survive the company. Director stays liable.

DistressCheck is decision support · not insolvency advice · Begbies Traynor LIPs provide the regulated advice

What the score means

A score is a signal, not a verdict.

0-25 · Healthy

Trade on — keep watching

No distress signals. Keep monthly cashflow forecasting. Re-run the check quarterly.

26-50 · Watch list

Talk to your accountant

Early warning signs. Cashflow forecast tightening. Time to have a proper conversation with your accountant about runway.

51-75 · Action needed

Free Begbies call recommended

Multiple distress signals stacking. CVA / restructure options still open. The Begbies call is the highest-value 30 minutes you'll have this quarter.

76-100 · Urgent

Begbies call within 24h

Serious distress. Director personal exposure rising. Options narrowing fast. Take the call today.

About the Begbies referral

Honest about what this is.

What you get

Free 30-min phone call with a Begbies Traynor licensed insolvency practitioner (a person — not a chatbot). Plain English on your options: trade through, formal restructure (CVA), administration, CVL, or pre-pack. No obligation. No upfront fee. They'll only quote engagement fees if you choose to go further.

What we get

AMAYA earns a 10% referral fee from Begbies if you choose to engage them. That fee is paid by Begbies — never by you. It does NOT change Begbies' advice or what they charge you. You're free to take the call and use a different IP if you prefer. We disclose this here so you know exactly what the relationship is.

FAQ

Plain answers.

Why Begbies Traynor specifically?
Begbies is the UK's largest licensed insolvency + business recovery practice (AIM-listed). They cover the full toolkit — CVA, administration, CVL, pre-pack, personal IVA, director advisory. AMAYA's referral relationship means you get a same-week call without the cold-call friction. You're free to use another LIP if you prefer.
Is this a sales call in disguise?
No. The first call is genuinely free, 30 minutes, no commitment. Begbies' commercial model is on engagement fees that only kick in if you choose to formally engage. They get no value from a "sales call" — only from solving a real problem.
What if my score is healthy?
You'll get the score, the plain-English next step, and no Begbies referral. The same calc is worth re-running quarterly — distress signals stack over months, not days.
Will this hurt my credit rating or anything?
No. This is a private check in your browser. Nothing's reported to credit bureaux, Companies House, or HMRC. Only the score + your contact details are sent if you opt in.
What happens to my data?
If you opt in: your score + contact details land in BRG's Supabase (RLS-protected) AND get emailed to recover@smegrowthteam.com for routing to Begbies. If you don't opt in: nothing is sent. We never share or sell your data outside the Begbies referral path you explicitly consented to.
What if I want a different IP, not Begbies?
Fine — take the score, find your own LIP via R3 (the trade body, r3.org.uk). The score still has value. We're not gatekeeping the answer.
Decision support, not regulated insolvency advice. Begbies Traynor LIPs provide the regulated advice on the free call. Operator stays accountable for company decisions.