Restructuring
& Insolvency

At Birketts, our restructuring and insolvency team help companies, lenders, directors, shareholders, insolvency practitioners, and high-net-worth individuals navigate financial distress with confidence. We provide practical solutions that protect value, minimise risk and support a successful recovery, wherever possible. 

Our team includes highly experienced insolvency solicitors and restructuring and insolvency specialists who advise on the full spectrum of corporate and personal insolvency issues. Our advice spans both contentious and non-contentious matters. 

We work closely with colleagues across our other sectors including corporate, real estate, employment, litigation and private wealth to deliver joined-up guidance tailored to your circumstances. 

Whether you are exploring early options, responding to creditor pressure, or supporting a formal insolvency process, we will give you clear, actionable advice. 

Corporate Insolvency Issues 

Your company may need restructuring or insolvency advice if: 

• your business is experiencing sustained or structural cash‑flow pressure; 
• you are struggling to meet liabilities as they fall due or anticipate liquidity issues; 
• one or more key customers, suppliers or group companies have entered financial distress; 
• creditors, landlords or lenders are threatening or taking enforcement action;
• you need to stabilise the business by reducing costs, renegotiating contracts or reorganising operations; 
• directors are concerned about statutory duties, personal exposure or governance obligations; 
• you need to protect, ring‑fence or preserve value in specific assets, divisions or subsidiaries; 
• a lender has reviewed, withdrawn or restructured funding, or breached covenants have arisen;
• you are considering a formal or informal restructuring, refinancing, turnaround or orderly exit; 
• you are exploring a sale, investment or group reorganisation in a distressed or time‑critical context; or 
• there is a need for discreet, strategic advice to manage risk, stakeholders and reputation. 

Personal Insolvency Issues 

As a high net worth individual, you may personally need insolvency advice if: 

• you are a director, shareholder or guarantor of a business that is insolvent or facing financial distress; 
• you have provided personal guarantees to banks or other lenders that are now being called in; 
• you are concerned about director disqualification, misfeasance or wrongful trading allegations; 
• you are facing claims from creditors, including HMRC, following business failure;  
• you hold complex asset structures, including trusts, family investment companies or offshore interests, which may be affected by insolvency proceedings; 
• you need to protect personal, family or generational wealth from creditor enforcement; 
• you are exposed to insolvency risk following a partner’s or co‑shareholder’s financial difficulties; 
• you are navigating cross‑border insolvency issues involving overseas assets or liabilities; 
• you are considering or facing bankruptcy proceedings and need discreet, strategic advice; 
• you wish to manage the reputational, professional or regulatory consequences of insolvency; or 
• you need early, confidential advice to retain control and minimise financial and personal exposure.