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turpin barker armstrong

Insolvency professionals providing clear expert debt advice to businesses & Individuals for when things are not going as planned. Call 0208 661 7878 for FREE confidential advice - no obligation.

With over 30 years of experience we pride ourselves on providing clear expert debt advice to companies and individuals who struggling financially. Our friendly professional team of insolvency practitioners and qualified accountants have expertise in all areas of business insolvency and personal insolvency, there is rarely a scenario we haven't come across!


As insolvency practitioners we always look to the positives and try to save businesses through turnaround and restructuring. To give your business the best chance of survival we strongly recommend seeking insolvency advice as soon as the first signs financial stress arise. Early action could increase the options available to you or your company.

We specialise in all forms of corporate insolvency and personal insolvency namely but not limited to:

Business Turnaround

Company Administration

Creditors Voluntary Liquidation (CVL)

Company Voluntary Arrangement (CVA)


LPA Receivership

Members Voluntary Liquidation (MVL) - (solvent liquidation)

Individual Voluntary Arrangement (IVA)


Call for a FREE consultation on 0208 661 7878

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Symptoms of Business Stress

Expires: 30 Nov 2020

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Early identification of business stress is very important when seeking to turn a company around which is why it is important to identify signs of stress, which include:

Deteriorating Results

•Declining profitability, in particular at an operating level
•Significant ‘exceptional’ costs
•Breached, waived or manipulated covenants
•Deteriorating Key Performance Inidicators (KPIs)
•Inability to explain trends in KPI

Reduced Liquidity

•Inability to meet interest payments or scheduled costs
•Poor or negative operational cashflow
•High non-operational cashflow
•Tight or reduced cash reserves (headroom)
•Trapped or restricted cash balances

Balance Sheet

•Creditor numbers and liabilities outpacing business growth
•Low asset to liability ratio
•Significantly under-funded pension schemes
•Investment in working capital ahead of growth
•Deteriorating credit ratings

Operational Challenges

•Removal of credit insurance
•Difficulties fulfilling orders on time and within quality parameter

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