Ukushoda kwebhizinisi kuyaqhubeka nokukhula e-UK, okubeka usongo oluthile kumabhizinisi amancane naphakathi nendawo (ama-SME). Kodwa kunenye inkinga lapho uzakwenu ebhizinisini ephelelwa yimali, njengoba lokhu kungase kuthinte inkampani yakho. Lapha sibheka ukuthi ungabhekana kanjani nalesi simo nokuthi ungawunciphisa kanjani umthelela wokushoda.
Kuyini ukuhluleka kwebhizinisi?
Uma ibhizinisi linempahla enganele ukukhokha izikweletu zalo, noma lingakwazi ukukhokha izikweletu zalo lapho kudingeka, liyahluleka. Kungumthwalo wabaqondisi ukwazi ukuthi inkampani iyahweba ngenkathi ingenazikweleti, futhi bangathweswa icala elisemthethweni lokuhweba ngenkathi ikulesi simo (lokhu kubizwa “ngokuhweba okungalungile”).
Inkampani ecwile ezikweletini inezinketho eziningi zokusingatha izikweletu, njengoba kushiwo kuMthetho Wokungakhokhi Ka-1986.
Ezintathu zalezi zinketho zivumela ukuhlenga okungenzeka kwenkampani noma ibhizinisi layo:
- nokuphathwa
- uhlelo lokuzithandela lwenkampani (ama-CVA)
- ukwamukela kwezokuphatha
Ezinye izinketho ezimbili zisho ukuthi inkampani kufanele iyeke ukuhweba:
- ukuqedwa okuyimpoqo
- ukuqedwa kokuzithandela kwabakweletwayo (CVL)
Ama-insolvencies e-UK: isimo sokudlala ngo-2024
Ngo-2023, kwakukhona izikweletu zezinkampani ezingu-25,158 e-UK, inani eliphakeme kakhulu kusukela ngo-1993. Ngokudabukisayo, ukuthambekela okukhuphukayo akubonisi izimpawu zokuncipha ngo-2024: izibalo zakamuva zikahulumeni zibonisa ukuthi ukuhluleka kwezinkampani ezibhalisiwe eNgilandi naseWales ngoJuni 2024 kwakuphakeme ngo-16% kuno-June 2024 ngonyaka odlule 17 2023 19. Isibalo sezinkampani ezishodayo sahlala siphezulu kakhulu kunangesikhathi sodlame lwe-COVID-2014 naphakathi kuka-2019 no-XNUMX.
Ama-CVL abalele u-79% wazo zonke izikweleti zezinkampani ngoJuni 2024. Ukukhokhwa okuyimpoqo kwenyuka ngo-10% ngenyanga efanayo, ama-CVA ngo-21% kanye nokuphathwa kwezimali ngo-30%. Ukwamukela abaphathi manje kuyivelakancane futhi abekho amacala ngoJuni 2024, kanti amacala amabili kuphela aqoshwa ezinyangeni eziyishumi nambili ezingaphambi kwalolu suku.
Izinga eliphezulu lenzalo, ukwehla kwamandla emali, ukukhuphuka kwezindleko kanye nokuqiniseka okubuthakathaka kwabathengi konke kube nomthelela esimweni somnotho esiyinselele. Izimboni eziningi zibone ukwenyuka kwezinombolo zezinkampani ezikweletayo ezinyangeni eziyi-12 kuya kuMeyi 2024. Izimboni ezinhlanu ezihamba phambili ezinenani eliphakeme kakhulu labantu abangakhokhi lutho kwaba ezokwakha (amaphesenti angu-17 wamacala), uhwebo lwezitolo ezinkulu nezokudayisa (amacala angu-16%), imisebenzi yezindawo zokulala nezokudla (amacala angu-15%), imisebenzi yesevisi yokuphatha neyokweseka (u-10% wamacala kanye nobuchwepheshe) imisebenzi yesayensi (u-8% wamacala).
Ungazi kanjani ukuthi inkampani yozakwethu isengcupheni yokungabi nazikweleti
Akulula ngaso sonke isikhathi ukusho kusenesikhathi ukuthi uzakwenu webhizinisi usengozini yokungabi nazikweleti. Nokho, kunezimpawu ezimbalwa okufanele uziqaphele:
- Izinguquko endleleni yokukhokha (izicelo zokuhlehliswa kwezinkokhelo, ukucela ukukhokha ngezitolimende noma imigomo yokukhokha kusenesikhathi kokutholwayo kozakwethu)
- Ukuncipha kwekhwalithi yezimpahla noma amasevisi alethiweyo
- Izinsuku zokugcina ezingathembekile
- Ukwenyuka kokuxoshwa kwabasebenzi
Uma usola ukuthi kungase kube nenkinga, xhumana nenkampani yakho yozakwethu ngokushesha. Uma izinsolo zakho ziqinisekisiwe, thola ukuthi ngobani abaphathi abaqokiwe futhi ubatshele ukuthi ungumkweletisi. Kufanele ukwazi ukufakazela isimangalo sakho, noma ngabe leli yinani lemali noma ilungelo lokuthola umkhiqizo noma isevisi: uma ungakwazi ukufakazela lokhu, uzifaka engozini yokulahlekelwa isimangalo sakho.
Isihluthulelo kulesi simo ukuxhumana: nenkampani yakho yozakwethu, abaphathi, kanye namakhasimende akho nabahlinzeki bakho. Thola okuningi ngangokunokwenzeka mayelana nesimo futhi uthole izeluleko zezomthetho ezifanele.
Qiniseka ukuthi awunikezi ezinye izimpahla noma amasevisi enkampanini yakho yozakwethu, ngaphandle uma kuyinkokhelo ekulethweni. Uzodinga ukuhlela lokhu nabaphathi. Khumbula ukuthi uma inkampani yozakwethu ingena ekuphathweni, mancane amathuba okuthi uzobuyiselwa imali.
Ukuphatha ukuhluleka kozakwethu
Nakuba izinkampani ezibonakala ziphumelele zingangena ekuphathweni, zikhona izindlela ongazithatha ukuze uhlole ukusebenza kophathina bakho ongase ube nabo.
- Dala isigatshana sokugcinwa kwesihloko (ROT) kunkontileka yakho yokuhlinzeka. Lokhu kusho ukuthi usengumnikazi wezimpahla zize zikhokhelwe, futhi kuvamile ezinkontilekeni embonini yokudayisa. Kuwukuhlakanipha ukuthi lesi sigatshana sibhalwe ummeli ukuze kuqinisekiswe ukuthi siyasebenza.
- Sebenzisa ithuluzi lokulinganisa isikweletu njenge-Experian noma i-Creditsafe ukuze uhlole impilo yezezimali yenkampani yakho yozakwethu.
- Thatha umshwalense wesikweletu sohwebo, okuvikela engcupheni yokungakhokhelwa ngezimpahla noma izinsiza ozithengisayo.
- Lapho usungula ubambiswano, dala isivumelwano sobambiswano esibhaliwe. Nakuba kungadingeki ngokomthetho, ngaphandle kokukodwa ubambiswano lwakho luzobuswa uMthetho Wobambiswano 1890, othi bonke ozakwethu banokulawula okulinganayo nobunikazi bezimpahla, nokuthi zonke zibhekwa njengesibopho sezomthetho ngokulinganayo. Lokhu kusho ukuthi iphutha lozakwethu lingabangela ukulahlekelwa okukhulu kwenkampani yakho. Isivumelwano sobambiswano sikuvumela ukuthi udale isitatimende esicacile sezindima nezinjongo, okuhlanganisa isikweletu nokulawulwa kobunikazi nezimpahla.

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