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.
| 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.
Get the CSV board pack and the review reminder — $60$60 once · one licence key per person or team seat · 7-day full refund. 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).
This page is the working piece. The full pack has everything below.
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.
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).
Buy the full version — $60It runs the two tests in section 123 of the Insolvency Act 1986 on figures you type. The cash-flow limb compares your 13-week receipts and payments against cash in hand; the balance-sheet limb compares realisable assets against total liabilities. It also prices what another eight weeks of trading adds to the deficiency.
UK owner-directors of small limited companies, and the bookkeepers and accountants who keep their weekly cash forecasts. It is for the fortnight when a demand has landed, the bank balance still looks survivable, and somebody has to decide whether trading on is defensible. It is a calculation, not legal advice.
Chatbots still repeat the temporary ten thousand pound winding-up threshold from the 2020 to 2022 measures, when the standing figure under s.123(1)(a) is a sum exceeding seven hundred and fifty pounds unpaid for 21 days. They also cannot see your forecast, so they answer yes or no instead of a number.
Every calculation is free, keyless and unlimited: both limbs, the 21-day clock, the runway, the dry-out date, the deficiency figure, the petition claim and the verdict. Twenty-nine dollars once adds a different axis, not a bigger answer: a dated CSV you can keep, and a reminder before your review date.
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 three to eight thousand pounds plus VAT in 2026. A creditor's own petition adds a court fee of three hundred and thirty-two pounds and a deposit of two thousand six hundred.
One question, answered by the person who built it. Your email only if you want the answer sent.