Restructuring Services | Business Restructuring Specialists

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data-type="service" data-sitename="global" data-drupal-version="1"></div> <article data-history-node-id="308" class="node node--type-service node--promoted node--view-mode-full clearfix"> <header> </header> <div class="node__content clearfix"> <div class="field field--name-field-main-sections field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item paragraph--alternative_banner_header"> <div class="paragraph paragraph--type--alternative-banner-header paragraph--view-mode--default"> <div class="banner-header--background-image progress-pattern- "> <div class="background--gradient-overlay d-block d-xl-none"></div> <div class="field field--name-field-background-image field--type-image field--label-hidden field__item"> <img loading="lazy" srcset="https://res.cloudinary.com/rsmglobal/image/fetch/t_default/f_auto/q_auto/https://www.rsm.global/sites/default/files/styles/hero_banner_mobile/public/01%20Global%20assets/01_Banners/02_Portraiture%20banners%203840x960px/jan-01-rsm-banner-sub-page.jpg 780w, https://res.cloudinary.com/rsmglobal/image/fetch/t_default/f_auto/q_auto/https://www.rsm.global/sites/default/files/styles/hero_banner_tablet/public/01%20Global%20assets/01_Banners/02_Portraiture%20banners%203840x960px/jan-01-rsm-banner-sub-page.jpg 1200w, https://res.cloudinary.com/rsmglobal/image/fetch/t_default/f_auto/q_auto/https://www.rsm.global/sites/default/files/styles/hero_banner_desktop_3840x1300/public/01%20Global%20assets/01_Banners/02_Portraiture%20banners%203840x960px/jan-01-rsm-banner-sub-page.jpg 3840w" sizes="100vw" width="1200" height="300" src="https://res.cloudinary.com/rsmglobal/image/fetch/t_default/f_auto/q_auto/https://www.rsm.global/sites/default/files/styles/hero_banner_desktop_3840x1300/public/01%20Global%20assets/01_Banners/02_Portraiture%20banners%203840x960px/jan-01-rsm-banner-sub-page.jpg" alt="Restructuring" /> </div> </div> <div class="container-xl paragraph--container d-flex flex-wrap justify-content-between"> <div class="banner-header--content pe-lg-4 col-12 col-lg-8"> <div class="banner-header--eyebrow body-18 --outer_div"> <div class="field field--name-field-eyebrow-text field--type-string field--label-hidden field__item highlight"> <span>Specialist services</span> </div> </div> <div class="banner-header--title --outer_div" id="" data-typewriting-effect=""> <h1 class="highlight page_h1_inner"> <span> Restructuring </span> </h1> </div> <div class="banner-header--description --outer_div"> <div class="body-24 highlight"> <span> Is it time to review, reset and rebuild? </span> </div> </div> </div> </div> </div> </div> <div class="field__item paragraph--content_body"> <div class="paragraph paragraph--type--content-body paragraph--view-mode--default" id=""> <div class="container-xl paragraph--container"> <div class="col-12 col-lg-8"> <div class="clearfix text-formatted field field--name-field-body field--type-text-with-summary field--label-hidden field__item"><p>During the lifecycle of a business, there are many challenges from growing pains and managing cashflow and liquidity to world events, geopolitical issues and natural or man-made disasters which can cause significant impact. </p><p>RSM restructuring experts work with organisations and their advisers, lenders, trustees and creditors to provide tailored solutions at every stage of the business cycle. We understand that the challenges facing every business are different. </p><p>Here are some common issues that we help our clients to resolve are how to: </p><ul><li>Develop an effective turnaround strategy; </li><li>Manage risk by simplifying corporate structure; </li><li>Review defined benefit pension covenant strength; </li><li>Monitor emerging financial risks; </li><li>Preserve value on distressed real estate projects; </li><li>Realise value and optimise the outcome of a formal insolvency; </li><li>Secure an appropriate funding solution; </li><li>Identify and recover assets after contentious insolvency; or </li><li>Navigate an accelerated transaction. </li></ul><p><strong>Move forward with practical advice </strong></p><p>As an integrated team, we share skills, insight and resources, as well as a client-centric approach that is based on a deep understanding of our clients’ business needs. We have professionals who specialise in working with company directors, financial institutions, turnaround professionals and venture capitalists, providing innovative corporate restructuring solutions that help clients capitalise on opportunities while mitigating risks. We are also experienced in handling personal and corporate insolvency cases and have a proven track record in working with banks and financial institutions to maximise recoveries.</p></div> </div> </div> </div> </div> <div class="field__item paragraph--accordion"> <div class="paragraph paragraph--type--accordion paragraph--view-mode--default" id=""> <div class="container-xl d-flex justify-content-center"> <div class="col-12 col-lg-8"> <div class="accordion-flush"> <div class="field field--name-field-accordion-item field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--1318" aria-expanded="true" aria-controls="accordion-item--1318" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">Full list of services</div> </button> </div> <div id="accordion-item--1318" class="accordion-collapse collapse" aria-labelledby="-1318"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><h4 class="heading-green"> </h4><h4 class="heading-green"><strong>Challenges and solutions</strong></h4><p>RSM member firms offer the full range of restructuring services to clients across a wide range of industries and sectors.</p><p><strong>For Businesses</strong></p><ul><li>Financial advisory services</li><li>Independent business reviews</li><li>Management consultation and assessment</li><li>Viability reports</li><li>Corporate simplification</li></ul><p><strong>Individuals and Partnerships</strong></p><ul><li>Debt advisory</li><li>Creditor negotiation</li><li>Financing solutions</li><li>Formal and informal creditor arrangements</li><li>Dissolutions</li><li>Formal insolvency and bankruptcy</li></ul><p><strong>Troubled Businesses</strong></p><ul><li>Cash management solutions</li><li>Out of court restructuring and turnaround</li><li>Exit planning</li><li>Investor an creditor relations and negotiations</li><li>Refinancing and debt for equity swaps</li><li>Expedited acquisitions and disposals</li><li>Forensic investigations fraud and asset tracing</li><li>Valuation and shareholder disputes</li><li>Expert witness services</li><li>Pre-packaged insolvencies</li><li>Formal insolvencies</li></ul><h4 class="heading-blue">Experience</h4><p>We understand the industries our clients operate in and have specific experience in the following sectors:</p><ul><li>Agribusiness </li><li>Automotive </li><li>Charities and Education </li><li>Chemicals </li><li>Construction </li><li>Engineering </li><li>Financial Services </li><li>Health Care </li><li>Hospitality and Leisure </li><li>Manufacturing </li><li>Pharmaceuticals </li><li>Public sector</li><li>Property</li><li>Printing</li><li>Retail</li><li>Recruitment</li><li>Travel</li><li>Technology, Media and Telecoms</li><li>Transportation and Logistics</li><li>Waste Management and Recycling</li></ul></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="field__item paragraph--video_and_text"> <div class="paragraph paragraph--type--video-and-text paragraph--view-mode--default" id=""> <div class="responsive-section video-section video-section-right"> <div class="responsive-banner-color background--green"> <div class="responsive-banner-text-container container-xl"> <div class="video-banner-text-inner"> <div class="video-block-video"> <div class="iframe-container"> <iframe title="Video" allow="autoplay; fullscreen" width="100%" height="100%" src="https://player.vimeo.com/video/718226992?byline=0&title=0" data-ot-ignore></iframe> </div> </div> <div class="video-block-text"> <div class="matching-height-container"> <h2> <div class="field field--name-field-title field--type-string field--label-hidden field__item">Move forward with practical advice</div> </h2> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>As an integrated team, we share skills, insight and resources, as well as a client-centric approach that is based on a deep understanding of our clients’ business needs. We have professionals who specialise in working with company directors, financial institutions, turnaround professionals and venture capitalists, providing innovative corporate restructuring solutions that help clients capitalise on opportunities while mitigating risks. We are also experienced in handling personal and corporate insolvency cases and have a proven track record in working with banks and financial institutions to maximise recoveries.</p></div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="field__item paragraph--related_insights"> <div class="paragraph paragraph--type--related-insights paragraph--view-mode--default" id=""> <div class="container-xl"> <div class="d-flex justify-content-center"> <h2 class="pb-3 mb-0"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">Related insights</div> </h2> </div> <div class="d-flex justify-content-center body-20"> <div class="pb-3 mb-0"></div> </div> <div> <div class="views-element-container"><div class="related-insights-content--rows view view-related-insights view-id-related_insights view-display-id-block_1 js-view-dom-id-f44c2be202513539cc97af348c89cd338088a7000f47b22d450ab972385d4ea4"> <div 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src="https://res.cloudinary.com/rsmglobal/image/fetch/t_default/f_auto/q_auto/https://www.rsm.global/sites/default/files/styles/insights_800px_width/public/01%20Global%20assets/02_Thumbnails%201240x930px/04_Portraiture%20thumbnails%201240x930px/felipe-01-portraiture-thumbnail-1240x930px.jpg" width="800" height="600" alt="" class="image-style-insights-800px-width" /> </a> </div> </div> </div></span></div></div> </div> <ul class="js-pager__items pager" data-drupal-views-infinite-scroll-pager> <li class="pager__item"> <a class="button" href="?page=1" title="Load more items" rel="next"></a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="field__item paragraph--content_body"> <div class="paragraph paragraph--type--content-body paragraph--view-mode--default" id=""> <div class="container-xl paragraph--container"> <div class="col-12 col-lg-8"> <div class="clearfix text-formatted field field--name-field-body field--type-text-with-summary field--label-hidden field__item"><h2 class="text-align-center">Frequently Asked Questions (FAQs) </h2></div> </div> </div> </div> </div> <div class="field__item paragraph--accordion"> <div class="paragraph paragraph--type--accordion paragraph--view-mode--default" id=""> <div class="container-xl d-flex justify-content-center"> <div class="col-12 col-lg-8"> <div class="accordion-flush"> <div class="field field--name-field-accordion-item field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--726" aria-expanded="true" aria-controls="accordion-item--726" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">What is restructuring?</div> </button> </div> <div id="accordion-item--726" class="accordion-collapse collapse" aria-labelledby="-726"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>Restructuring is the term used to describe the act of reorganising the legal, financial, operational, or other structures of an organisation. The purpose of restructuring can be varied, but generally the need for restructuring comes with a desire to become more profitable, address financial or operational issues or to be better organised in changing market conditions.</p><p>Other reasons that businesses may seek to restructure include:</p><ul><li>Change of ownership/ownership structure</li><li>Demergers</li><li>Corporate or group simplification</li><li>Tax or regulatory requirements or changes</li><li>Response to crises or significant change in the business</li><li>Potential or actual insolvency</li></ul></div> </div> </div> </div> </div> </div> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--727" aria-expanded="true" aria-controls="accordion-item--727" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">What is corporate debt restructuring?</div> </button> </div> <div id="accordion-item--727" class="accordion-collapse collapse" aria-labelledby="-727"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>Corporate debt restructuring refers to an organisation reorganising its existing outstanding commitments and liabilities. This mechanism is generally used by companies whose equity and borrowing structure does not suit its current situation or which are facing problems with debt repayment. The restructuring process allows for equity and debt structures to be changed and potentially for credit obligations to be spread out over a longer duration with smaller repayment terms. The process is designed to assist in giving the business a breathing space to allow operations to return to normal, as well as trying to resolve the longer term issues faced by the corporate, whilst enabling them to become viable once more.</p><p>Financial and legal consultants are frequently engaged to derive restructuring plans, as well as assist with implementation. As well as changing the financial and operation structure this can also include offering parts of the business for sale, demerger and the introduction of interim managers or specialist consultants in particular industries/specialisms to address skill gaps and drive change.</p></div> </div> </div> </div> </div> </div> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--728" aria-expanded="true" aria-controls="accordion-item--728" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">What is a scheme of arrangement?</div> </button> </div> <div id="accordion-item--728" class="accordion-collapse collapse" aria-labelledby="-728"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>A scheme of arrangement refers to a court approved restructuring agreement between an organisation and its trade creditors, lenders, or shareholders. It can also form part of a wide merger or acquisition plan.</p><p>Schemes of arrangement are implemented to perform significant changes to the overall structure of a business for the benefit of the general body of stakeholders. As a result of this, they are often utilised when a restructure cannot be easily implemented through other methods. Whilst a scheme of arrangement is not a formal insolvency procedure, it is not unusual to see it utilised alongside a formal insolvency procedure, such as administration.</p></div> </div> </div> </div> </div> </div> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--729" aria-expanded="true" aria-controls="accordion-item--729" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">What is administration?</div> </button> </div> <div id="accordion-item--729" class="accordion-collapse collapse" aria-labelledby="-729"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>Administration is a UK restructuring process that aims to rescue insolvent organisations and enables the business to possibly continue running business operations in the process. The Administrator who is appointed by the court at the request of management, shareholders, lenders or creditors, has wide powers to continue trading operations (or close them down). The Administrators primary function is to :</p><ul><li>Enable the survival of the business in whole or part</li><li>Get a better level of realisations for stakeholders/creditors than would be achieved in an insolvent liquidation</li><li>Enable a distribution to be made to a charge holder (secured lender)</li></ul><p>An Administrator will often look to sell parts or all of a business to enable it to continue under new ownership, realising funds for lenders and creditors at the same time as hopefully saving the business and jobs involved. It is similar but not quite the same as Chapter 11 in the USA.</p></div> </div> </div> </div> </div> </div> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--730" aria-expanded="true" aria-controls="accordion-item--730" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">What is a pre-pack ?</div> </button> </div> <div id="accordion-item--730" class="accordion-collapse collapse" aria-labelledby="-730"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>A pre-pack is generally referring to a pre-packaged sale of a business. This is a process designed to rescue a business when time is often very short.</p><p>The business is generally widely marketed for sale over a period of time. As a result of the nature of a business’s liabilities (to large or difficult to establish) or because it is unable to continue to trade for long (maybe due to a shortage of cash) meaning it is difficult for a potential purchaser to undertake extended and lengthy due diligence, a sale of the business assets to achieve best value for creditors and stakeholders may become necessary in a short period of time.</p><p>The terms of sale are agreed with the purchaser and contracts negotiated. The business is then put into administration and the administrator immediately completes the sale of the business assets. This has a number of key advantages:</p><ul><li>Achieving a better sale value for the assets & business for creditors</li><li>The survival of the business and rescue of jobs as the purchaser will generally go on to continue trading the business</li><li>A sale is achieved in a short time frame where otherwise the business would have been forced into liquidations</li></ul><p>Whilst pre-packs can occasionally get some bad press, as stakeholders and creditors generally only find out about the sale afterwards. The process has been very successful at rescuing business, jobs and preserving value for stakeholders and creditors. There are also strict professional conduct rules around how a pre-pack sale can be undertaken.</p></div> </div> </div> </div> </div> </div> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--731" aria-expanded="true" aria-controls="accordion-item--731" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">What is Liquidation?</div> </button> </div> <div id="accordion-item--731" class="accordion-collapse collapse" aria-labelledby="-731"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>Liquidation is the process by which a business is brought to a close and its assets sold for the benefit of stakeholder, lenders and creditors (similar to Chapter 7 in the USA). Liquidation generally takes one of three forms:</p><ul><li>Solvent Liquidation (members voluntary liquidations) – Normally triggered by shareholders for the purposes of bringing the business to a close and paying out the value of the assets to shareholders (often used for tax or corporate simplification purposes).</li><li>Voluntary Liquidation (creditors voluntary liquidations) – This trye of liquidation is triggered voluntarily by the shareholders and approved by creditors for an insolvent company that is very likely to have no prospect of rescue or trading on. The aim of the liquidation being to return what value can be achieved for the company’s assets to creditors.</li><li>Compulsory Liquidation – This is where a creditor via the courts forces a company in to liquidation for non-payment of a debt. The purpose again being to distribute what can be realised for the assets to all the creditors.</li></ul></div> </div> </div> </div> </div> </div> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--732" aria-expanded="true" aria-controls="accordion-item--732" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">What is a Corporate Voluntary Arrangement (CVA) ?</div> </button> </div> <div id="accordion-item--732" class="accordion-collapse collapse" aria-labelledby="-732"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>Whilst there are different types of voluntary arrangement (formal and informal) the basis for both is the same. The business with the assistance of a restructuring professional formulates a plan to enable the business to restructure and continue to trade. The aim is for the business to generate profits and cash in order to pay money to its creditors that will give them a better result than if the business was liquidated (closed and sold).</p><p>In order to enable the business a breathing space to start to generate profits and cash again creditors agree not to chase payment of their current outstanding debts and indeed may accept a smaller sum in full settlement of a debt.</p><p>Under an informal arrangement a repayment plan is agreed with one or more of the company’s creditors (frequently for a relatively short period) to give the company to undertake some restructuring or to source new funds from somewhere. This sort of arrangement is not normally legally binding.</p><p>A formal company voluntary arrangement (CVA) is a similar process In that the business formulates a plan (proposals) to put to its creditors as outlined above. However, in this case an insolvency practitioner must be involved and if the proposals are approved by a majority of creditors as they do become legally binding. The insolvency practitioner generally has an ongoing role as supervisor to make sure the business complies with the terms of the proposals.</p></div> </div> </div> </div> </div> </div> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--733" aria-expanded="true" aria-controls="accordion-item--733" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">Bankruptcy</div> </button> </div> <div id="accordion-item--733" class="accordion-collapse collapse" aria-labelledby="-733"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>Bankruptcy is where an individual has a trustee appointed over their assets by a court, normally by application from a creditor for non-payment of a debt. The trustee appointed has the role of selling the persons assets (subject to some complex rules) and distributing the proceeds to the bankrupt’s creditors.</p><p>The term ‘Bankruptcy’ is very often miss used as applying to a corporate business rather than correctly referring to administration, receivership or liquidation.</p></div> </div> </div> </div> </div> </div> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--734" aria-expanded="true" aria-controls="accordion-item--734" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">What is insolvency?</div> </button> </div> <div id="accordion-item--734" class="accordion-collapse collapse" aria-labelledby="-734"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>Insolvency refers to an organisation that fails either of the following two test:</p><ul><li>An inability to meet its debts as and when they fall due (cashflow insolvent) <br> <ul><li>When an organisation may have valuable assets but not enough liquid cash to pay its debts. This form of insolvency can often be addressed by some sort of formal or informal restructuring including a voluntary arrangement (repayment scheme).</li></ul></li><li>Balance-sheet insolvency (liabilities exceed the value of assets) <br> <ul><li>This form of insolvency refers to an organisation that does not have enough assets, liquid or otherwise, to cover its debts.</li></ul></li></ul></div> </div> </div> </div> </div> </div> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--735" aria-expanded="true" aria-controls="accordion-item--735" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">What are insolvency officials/insolvency practitioners?</div> </button> </div> <div id="accordion-item--735" class="accordion-collapse collapse" aria-labelledby="-735"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>There are specific proceedings that pertain to the country within which an organisation operates. However, typically all countries require insolvency officials to be involved. Generally, these are highly qualified professional people qualified accountants/solicitors who have also trained and qualified to become a member of a professional restructuring body. These are represented by the following:</p><ul><li>Insolvency practitioner</li><li>Tribunal</li><li>Regulatory agency</li><li>Liquidator</li><li>Referee in bankruptcy</li><li>Trustee in bankruptcy</li></ul></div> </div> </div> </div> </div> </div> <div class="field__item paragraph--accordion_item"> <div class="accordion-item py-2"> <div class="paragraph paragraph--type--accordion-item paragraph--view-mode--default" id=""> <div class="accordion-header"> <button type="button" data-bs-toggle="collapse" data-bs-target="#accordion-item--736" aria-expanded="true" aria-controls="accordion-item--736" class="accordion--button collapsed body-24"> <div class="field field--name-field-title field--type-string field--label-hidden field__item">Directors’ responsibilities and protecting a business</div> </button> </div> <div id="accordion-item--736" class="accordion-collapse collapse" aria-labelledby="-736"> <div class="accordion-body"> <div class="clearfix text-formatted field field--name-field-formatted-description field--type-text-long field--label-hidden field__item"><p>Directors should keep in mind that in nearly all jurisdictions there are penalties for not conducting themselves appropriately when dealing with a business that is facing insolvent. Sanctions can include disqualification from managing businesses in the future, fines, personal liability for business costs/losses and even imprisonment.</p><p>In very general terms directors/managers if they have any concerns should take advice and ensure they are looking after the interest of all stakeholders and creditors alike. Generally, they should:</p><ul><li>Avoid formulating and undertaking business plans with little or no chance of success</li><li>Pay for goods and services as that are precured</li><li>Prepare trading and cashflow forecasts to show that ongoing trading is viable and sensible</li><li>Put customer deposits in a trust account until the related goods or services are provided</li><li>Possible cease in trading (subject to professional advice) if by doing so the position is going to be made worse for creditors</li><li>Avoid selling goods, services, assets or parts of the business at below their true value to generate cash for trading</li><li>Look to move assets including intellectual property, customer contracts etc to other or new entities to avoid creditor actions against them</li><li>Seek professional advice from an appropriate professional advisor</li></ul></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="field__item paragraph--content_body"> <div class="paragraph paragraph--type--content-body paragraph--view-mode--default" id=""> <div class="container-xl paragraph--container"> <div class="col-12 col-lg-8"> <div class="clearfix text-formatted field field--name-field-body field--type-text-with-summary field--label-hidden field__item"><h2 class="text-align-center">Contact us</h2><h3 class="text-align-center">Complete this form and an RSM representative will be in touch.</h3></div> </div> </div> </div> </div> <div class="field__item paragraph--webform_reference"> <div class="paragraph paragraph--type--webform-reference paragraph--view-mode--default" id=""> <div class="container-xl"> <div class="webform--webform"> <div class="d-flex justify-content-center"> <div class="col-12 col-lg-8"> <div class="field field--name-field-webform field--type-webform field--label-hidden field__item"><span id="webform-submission-contact-form-conditions-test-paragraph-2344-form-ajax-content"></span><div 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form-required">How can we help?</label> <select data-drupal-selector="edit-how-can-we-help" id="edit-how-can-we-help" name="how_can_we_help" class="form-select required" required="required" aria-required="true"><option value="" selected="selected">- Select -</option><option value="Becoming a Member Firm">Becoming a Member Firm</option><option value="Speak to one of our specialists">Speak to one of our specialists</option><option value="Submit RFP">Submit RFP</option><option value="Working for RSM ">Working for RSM </option></select> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-textfield form-type-textfield js-form-item-full-name form-item-full-name"> <label for="edit-full-name">Full name</label> <input data-drupal-selector="edit-full-name" type="text" id="edit-full-name" name="full_name" value="" size="60" maxlength="255" class="form-text" data-drupal-states="{"visible":[{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Becoming a Member Firm"}},"or",{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Submit RFP"}},"or",{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Speak to one of our specialists"}}],"required":[{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Becoming a Member Firm"}},"or",{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Submit RFP"}},"or",{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Speak to one of our specialists"}}]}" /> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-email form-type-email js-form-item-email form-item-email"> <label for="edit-email">Email</label> <input data-drupal-selector="edit-email" type="email" id="edit-email" name="email" value="" size="60" maxlength="254" class="form-email" data-drupal-states="{"visible":[{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Becoming a Member Firm"}},"or",{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Submit RFP"}},"or",{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Speak to one of our specialists"}}],"required":[{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Becoming a Member Firm"}},"or",{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Submit 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type="text" id="edit-country-location" name="country_location" value="" size="60" maxlength="255" class="form-text" data-drupal-states="{"visible":[{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Speak to one of our specialists"}},"or",{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Submit RFP"}}],"required":[{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Speak to one of our specialists"}},"or",{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Submit RFP"}}]}" /> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-textfield form-type-textfield js-form-item-company-organisation form-item-company-organisation"> <label for="edit-company-organisation">Company/organisation</label> <input data-drupal-selector="edit-company-organisation" type="text" id="edit-company-organisation" name="company_organisation" value="" size="60" maxlength="255" class="form-text" data-drupal-states="{"visible":{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Submit RFP"}}}" /> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-textfield form-type-textfield js-form-item-phone-number form-item-phone-number"> <label for="edit-phone-number">Phone number</label> <input data-drupal-selector="edit-phone-number" type="text" id="edit-phone-number" name="phone_number" value="" size="60" maxlength="255" class="form-text" data-drupal-states="{"visible":{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Submit RFP"}}}" /> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-textfield form-type-textfield js-form-item-industry-sector form-item-industry-sector"> <label for="edit-industry-sector">Industry/sector</label> <input data-drupal-selector="edit-industry-sector" type="text" id="edit-industry-sector" name="industry_sector" value="" size="60" maxlength="255" class="form-text" data-drupal-states="{"visible":{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Submit RFP"}}}" /> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-textfield form-type-textfield js-form-item-position-job-title form-item-position-job-title"> <label for="edit-position-job-title">Position/Job title</label> <input data-drupal-selector="edit-position-job-title" type="text" id="edit-position-job-title" name="position_job_title" value="" size="60" maxlength="255" class="form-text" data-drupal-states="{"visible":{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Submit RFP"}}}" /> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-textfield form-type-textfield js-form-item-countries-you-operate-in form-item-countries-you-operate-in"> <label for="edit-countries-you-operate-in">Countries your firm operates in</label> <input data-drupal-selector="edit-countries-you-operate-in" type="text" id="edit-countries-you-operate-in" name="countries_you_operate_in" value="" size="60" maxlength="255" class="form-text" data-drupal-states="{"visible":{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Becoming a Member Firm"}}}" /> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-textfield form-type-textfield js-form-item-website form-item-website"> <label 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js-form-item-number-of-partners form-item-number-of-partners"> <label for="edit-number-of-partners">Number of partners</label> <input data-drupal-selector="edit-number-of-partners" type="text" id="edit-number-of-partners" name="number_of_partners" value="" size="60" maxlength="255" class="form-text" data-drupal-states="{"visible":{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Becoming a Member Firm"}}}" /> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-select form-type-select js-form-item-_-staff-numbers- form-item-_-staff-numbers-"> <label for="edit-6-staff-numbers-">Staff numbers </label> <select data-drupal-selector="edit-6-staff-numbers-" id="edit-6-staff-numbers-" name="6_staff_numbers_" class="form-select" data-drupal-states="{"visible":{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Becoming a Member Firm"}}}"><option value="" selected="selected">- None -</option><option value="1-25">1-25</option><option value="25-50">25-50</option><option value="50-100">50-100</option><option value="over 100">over 100</option></select> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-textfield form-type-textfield js-form-item-estimated-firm-ranking-in-their-country- form-item-estimated-firm-ranking-in-their-country-"> <label for="edit-estimated-firm-ranking-in-their-country-">Estimated firm ranking in your country</label> <input data-drupal-selector="edit-estimated-firm-ranking-in-their-country-" type="text" id="edit-estimated-firm-ranking-in-their-country-" name="estimated_firm_ranking_in_their_country_" value="" size="60" maxlength="255" class="form-text" data-drupal-states="{"visible":{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Becoming a Member Firm"}}}" /> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-textfield form-type-textfield js-form-item-services-offered form-item-services-offered"> <label for="edit-services-offered"> Services offered by firm</label> <input data-drupal-selector="edit-services-offered" type="text" id="edit-services-offered" name="services_offered" value="" size="60" maxlength="255" class="form-text" data-drupal-states="{"visible":{".webform-submission-contact-form-conditions-test-paragraph-2344-add-form :input[name=\u0022how_can_we_help\u0022]":{"value":"Becoming a Member Firm"}}}" /> </div> <div class="js-webform-states-hidden js-form-item form-item js-form-type-textarea form-type-textarea js-form-item-message form-item-message"> <label for="edit-message">Message</label> <div class="form-textarea-wrapper"> <textarea data-drupal-selector="edit-message" 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