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Insolvency advice in Surrey

Advice for Surrey directors, from Guildford and Woking through to Reigate and Chertsey. Call 0345 017 9773 for a free, confidential conversation.

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Across Surrey, in person or on Zoom.

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Free, confidential and informal. No obligation.

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Confidential. Your details are used only to reply to you and are never sold or shared. No insolvency process is triggered by contacting us.

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Short answer

We cover Surrey from our Horsham office, in person or by Zoom. The first conversation is free, confidential and informal.

How we help Surrey companies

Surrey companies are often bigger on paper than they feel from the inside. High salaries, expensive premises and long payment terms make a healthy-looking business fragile when one client leaves or one funding line is withdrawn.

When directors call us here, the question is usually about control: how to stop things being decided by whoever shouts loudest. So we start by containing the immediate threat, whether that is HMRC, a bank, a landlord or a supplier, and only then look at the medium term.

The four routes are the same everywhere: defend the company, close it safely, continue the trade through a new company, or focus first on your personal exposure. Which of them is realistic is a factual question, and we answer it plainly.

The local business mix

Across Guildford, Woking, Epsom, Reigate, Leatherhead, Staines and Chertsey we see technology and software firms, pharmaceutical and life-science suppliers, media and marketing agencies, professional services, and a great many contractors serving corporate clients.

Two things recur. First, personal guarantees on premises: Surrey rents are high and landlords ask for them. Second, director's loan accounts, because owner-managers here often draw a small salary and top it up. Both are personal issues rather than company ones, and both are better understood early.

How meetings work

Surrey is served from our Horsham office, and Michael will meet you at a place that suits you rather than asking you to lose half a day. Zoom works well for a first conversation and most Surrey clients start there.

Our registered office is in Chertsey, but that is an administrative address rather than a meeting place, so we do not present it as a Surrey office.

An anonymised example: a Surrey agency with a heavy office lease and personal guarantees reviewed the director's exposure before making any decision about the company, which changed the order in which things were done. Details are changed and no outcome is promised.

Surrey questions

Do you have a Surrey office I can visit?

Surrey is covered from our Horsham office. Our Chertsey address is a registered office only, not a meeting location, so we do not show it as one.

I have signed a personal guarantee on our office lease. What now?

A guarantee is a separate contract from the company and survives liquidation, so it belongs in the plan from the start. Bring the document to the first conversation if you can.

My director's loan account is overdrawn. Does that stop a liquidation?

No, but it is treated as an asset of the company, and a liquidator can ask for it back. Knowing the figure early is much better than discovering it later.

Our investors want to know what happens next. Can you help us explain it?

Yes. Part of what you get in writing is a clear account of the options, which is usually what other stakeholders need to see.

Which number should I call?

0345 017 9773.

Michael O'Connor

Reviewed by Michael O'Connor, M.A. (Cantab), MABRP

Director and lead adviser. Last reviewed September 2026.

Talk to someone about your Surrey company.

Call 0345 017 9773 or send the form. Michael replies personally, usually the same day.

Clear options for directors under pressure. One adviser, from the first call to the finish.

Ask Michael a question

Free, confidential and informal. No obligation.

Optional. A sentence is plenty.

Confidential. Your details are used only to reply to you and are never sold or shared. No insolvency process is triggered by contacting us.

This page is general information, not legal or financial advice.

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