Director Health Check
Free Pre-Liquidation Director Health Check
Look Before You Leap
AI-generated bank analysis to identify any possible claims a Liquidator could bring against you — before you commit to liquidation.
Understand the liquidation landscape on your own terms, confidentially and without obligation.
What is the Director Health Check?
If you are thinking about liquidating your company, the very first question a Licensed Insolvency Practitioner (and, after appointment, a Liquidator) will ask is “what does the bank account show?”
Bank statements are the single most revealing source of information in any insolvency. A Liquidator has a statutory duty to investigate the conduct of directors and recover money for creditors. They will read the statements after they are appointed — by which point it is too late to address anything that turns up.
Our Director Health Check flips that timeline. We run the same forensic AI analysis a Liquidator would commission, share the findings with you, and help you understand what (if anything) a Liquidator is likely to pursue — while you still have time to take advice and act.
Included — at no cost
- AI forensic review of up to 24 months of bank statements
- Director's Loan Account (DLA) reconstruction
- Dividend & salary trace
- Preference & antecedent transaction screen
- Confidential one-to-one review call with a Licensed IP
- Written summary you keep, whatever you decide
What the AI Bank Analysis looks for
These are the issues a Liquidator is statutorily required to investigate. Knowing the answers in advance puts you in control.
Director's Loan Account
Every transfer between the company and the director's personal account is classified and reconciled. An overdrawn DLA at the date of liquidation is a debt owed back to the company — we tell you the number before the Liquidator does.
Unlawful Dividends
Dividends paid when the company had no distributable reserves can be clawed back personally. We flag the pattern across the period and quantify the exposure.
Preferences (s.239)
Payments to connected creditors (family, related companies, personally-guaranteed lenders) in the run-up to insolvency are vulnerable. We surface them so you can take advice early.
Transactions at Undervalue (s.238)
Asset transfers below market value, unexplained outflows and gifts within the statutory look-back periods are all identified and categorised.
Cash & Lifestyle Withdrawals
Sustained cash withdrawals, personal spending through the company card and round-sum transfers are summarised — the classic items a Liquidator's report focuses on.
HMRC & Crown Debt Timing
Patterns of paying other creditors while HMRC liabilities accrue can support a wrongful trading argument. We map the timeline so you see what a Liquidator would see.
How it works
You ask, we send a private link
A Licensed Insolvency Practitioner emails you within one working day. There is no account to create and no password to remember.
You authorise it, and we verify you
The link confirms you are an active director at Companies House, sets out the terms — including the AI we use — and takes photo ID, proof of address and a selfie. Nothing is analysed until that is done.
Your bank sends the statements
You approve an Open Banking request and Armalytix collects 12–24 months of statements from the company's bank — nothing for you to dig out. Every transaction is then categorised against your appointments and known counterparties, and AI applies the findings review a Liquidator would — severity-graded, with the transactions behind each one.
A person reads it, then we talk
Nothing reaches you straight from a machine. We work through every finding, then a Licensed IP walks you through them on a confidential call. You keep the written summary. No obligation to proceed.
Request your Free Health Check
Tell us how to reach you and a Licensed Insolvency Practitioner will be in touch with a private link to authorise the analysis, verify your identity and approve the request to your bank — then we book your confidential review call.
- Completely confidential — nothing reported anywhere.
- Free of charge, with no obligation to instruct us.
- Typical turnaround: 3–5 working days from receipt of statements.
Prefer to speak first?
01242 576555 — free advice, no obligation.
Common questions
Is it really free?
Yes. There is no charge for the bank analysis or the review call with a Licensed Insolvency Practitioner. We offer it because most directors who go through it choose to instruct us if they decide to liquidate — but there is no obligation either way.
Is it confidential?
Completely. Until you formally instruct an Insolvency Practitioner you are simply a director taking advice. Nothing is reported anywhere. The written summary is yours.
Do I have to liquidate after?
No. Some directors find issues that need addressing first. Others find their position is cleaner than they feared. Either way you leave with a clear picture.
What if the analysis finds problems?
That is precisely the point. Identifying issues now — while options are open — is dramatically better than discovering them in a Liquidator's report after appointment. We will explain the options to mitigate or address each item.