Run the s.123 test on today's figures

Type your own 13-week cash figures; it says which limb of Insolvency Act 1986 s.123 is tripped today and what another eight weeks of trading adds to the deficiency.

Cash in hand and available facility GBP Average weekly receipts (13-week forecast) GBP/week Average weekly payments (13-week forecast) GBP/week Creditors already past their due date GBP Days since the oldest written demand was served days Formal creditor action on file Realisable assets (break-up value) GBP Total liabilities including contingent and prospective GBP Weeks you plan to keep trading before deciding weeks Date of your next board solvency review

Weekly cash burn	—	GBP/week
Runway before cash reaches zero	—	weeks (-1 = no burn)
Date the cash runs out	—
Deemed-insolvency limb	—
Days left on the 21-day demand clock	—	days
Balance-sheet gap, s.123(2)	—	GBP
Increase in net deficiency over those weeks, s.214	—	GBP
Debt plus petition fee and deposit	—	GBP
Days until your review date	—	days
Verdict	—

Keep this run. The calculation above is free, keyless and unlimited. $60 once adds a different axis, not a bigger answer: a dated CSV of these exact inputs, outputs and verdict for the board minute, and a browser reminder that re-opens the test before the review date you typed.

$60 once · one licence key per person or team seat · A licensed insolvency practitioner’s pre-appointment work is billed at time cost, and the creditors’ voluntary liquidation that follows a missed cash-flow test runs GBP 3,000 to GBP 8,000 plus VAT (UK, 2026).

Both s.123 limbs, not one
Runs the cash-flow test in s.123(1)(e) against your 13-week figures and the balance-sheet test in s.123(2) against realisable assets, and says which one is tripped.

The 21-day demand clock
A written demand for a sum exceeding GBP 750 that goes unpaid for 21 days is deemed inability to pay under s.123(1)(a); the tool counts the days you have left.

What trading on costs you personally
Multiplies the weekly cash burn by the weeks you plan to trade on to price the increase in net deficiency a liquidator measures a s.214 wrongful trading contribution by.

What the petition adds
Adds the GBP 332 court fee and the GBP 2,600 Official Receiver deposit to the overdue debt, so you see the figure a creditor is really chasing before you ignore the demand.

Dated CSV for the board minute
Paid layer: exports the exact inputs, outputs and verdict with the run date, so the file your adviser or the liquidator asks for exists on the day you decided.

Reminder before your review date
Paid layer: sets a browser alarm for the review date you typed, because the test is only worth anything if it is re-run when the forecast moves.

Open full tool → getreadystack.com