NEWS & INSIGHTS
SMART DEBATE
Find all the major developments along with expert analysis on KR8 Debate, the thought leadership platform built to explore, challenge and elevate ideas that matter.
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Business Advisory -
Capital Advisory
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Restructuring
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Real Estate
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Personal Insolvency
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Government Services
Debate
November 7, 2025
Personal Insolvency reform – Maintaining fairness in a shifting landscape
Having participated in one of last year’s workshops on the reform of personal insolvency legislation, I read with interest the Insolvency Service’s recently published initial evaluation and conclusions. For those interested, a link to the full report is provided at the end of this summary. With over 25 years of specialisation in personal insolvency, I … Continued
Debate
October 23, 2025
The Art of Forecasting: Building Confidence Through Better Models
“A forecast is just that — a forecast. Put your crystal ball away; no one can see the future.” The value of forecasting is a recurring debate. For advocates, it’s a crucial business tool; for detractors, it’s time better spent tackling real-world problems — less navel-gazing, more action. Whichever side of the fence you’re on, … Continued
Debate
October 15, 2025
Cyber Attack at JLR: The Ripple Effect — and How Stakeholders...
The recent cyber attack on Jaguar Land Rover (JLR) has sent shockwaves through the automotive sector, exposing just how vulnerable even the most established manufacturers are to digital disruption. As systems become more integrated, so too does exposure to risk. While the immediate impact was operational, the wider financial and supply chain consequences are still … Continued
Debate
October 7, 2025
Is the age of HMRC forbearance finally over?
In the midst of the COVID-19 pandemic (September 2020), HMRC’s overdue debt surged to over £70bn, a level raised by the Coronavirus VAT Deferment Scheme and other forbearance measures. Overdue debt reduced to £44bn by December 2024, which prime facie represented a substantial reduction of £26bn. However, this apparent progress masks a number of factors … Continued
Debate
September 19, 2025
Risk Mitigation Strategies for Lenders in Commercial Real Estate
The commercial real estate (CRE) sector is undergoing significant transformation. From fluctuating property valuations to evolving tenant demands, lenders face a complex landscape. However, by implementing robust risk mitigation strategies, lenders can navigate these challenges effectively. We have outlined six basic recommendations in order to minimise risk: 1. Diversify Loan Portfolios Concentration in a single … Continued
Debate
September 10, 2025
The Role of Directors During Financial Distress
In the United Kingdom, the role of company directors during a period of financial distress is governed primarily by the Companies Act 2006 and insolvency legislation, including the Insolvency Act 1986. When a company experiences financial distress, directors have specific legal duties and responsibilities aimed at protecting the interests of creditors and mitigating potential personal … Continued
Debate
September 9, 2025
Pre-Packaged Administrations: The Benefits and Drawbacks
Pre-packaged Administrations, often referred to as ‘pre-packs’, are a distinctive insolvency procedure in the UK. They involve the sale of a company’s business and assets – a transaction which is negotiated before the appointment of Administrators, with the sale executed immediately upon or shortly after the Administrators’ appointment. KR8 Advisory has extensive experience working with … Continued
Debate
June 20, 2025
The Renters’ Rights Bill: What Lenders Need to Know
The Renters’ Rights Bill is due to transform the landscape of residential landlord and tenant law. Anticipated to become law by the end of summer 2025, our experience can help lenders navigate these changes and take steps to protect financial exposure. Below are some of the key takeaways lenders need to be aware of: What lenders … Continued
Debate
April 30, 2025
Personal Guarantee Insurance: Safeguard or Hedge?
We have seen a recent surge in directors taking out Personal Guarantee Insurance. But does it work? Personal guarantees are largely seen in relation to corporate borrowing and require a commitment that extends beyond the corporate veil. It reinforces the guarantor’s confidence and commitment in the venture, and for lenders it provides an additional layer … Continued
Debate
April 9, 2025
Top Trumps: How Trump’s tariffs are changing the game
Trump is back in the White House, and so are the tariffs. Once described as the most beautiful word in the English vocabulary, for many the word ‘tariff’ is more likely to evoke feelings of worry and concern. In just weeks, sweeping new trade barriers have been erected, impacting hundreds of billions in imports, reigniting … Continued