Fresh Start Personal Insolvency Spain SL

What Fresh Start Personal Insolvency Spain SL does

Fresh Start Insolvency (legally Fresh Start Insolvency Ltd, Scottish company number SC606381; Spanish-registered trade style Fresh Start Personal Insolvency Spain SL, listed at Pilar de la Horadada, Alicante) is a specialist UK insolvency administration firm founded in 2019. Its sole product is the administration of Individual Voluntary Arrangements (IVAs), a UK insolvency procedure under the Insolvency Act 1986, delivered to indebted individuals in England, Wales, and Northern Ireland who have £7,000+ of unsecured debt owed to two or more creditors and can afford at least £120 per month in repayments. The firm is licensed through a single in-house Insolvency Practitioner (Stacey Graham-Battersby, IPA licence no. 614201) and is a member of the IPA's Volume Provider Regulation Scheme (VPR), with all work subject to the Insolvency Code of Ethics and Statements of Insolvency Practice.

The business is built on a high-volume, digital-first operating model. New customer enquiries are captured via an SEO-driven website form that structures intake around debt level, creditor count, employment, residential status, and monthly affordability; existing customers are served through a third-party-hosted online client portal (docslink.uk) that provides 24/7 access to IVA details, payment schedules, income/expenditure, document uploads, and online annual reviews. A small seven-person team supports 'thousands' of active IVA cases, with payment collection processed through a third-party payment processor and inbound leads supplemented by referrals from third-party debt advice organisations, including a documented data-sharing arrangement with MoneyPlus Group.

Fresh Start earns revenue exclusively from IVA administration fees - Nominee Fees, Supervisory Fees, and disbursements - agreed at the outset of each IVA and deducted from the client's monthly contributions over the typically multi-year life of the arrangement. Initial advice is provided free and with no obligation, creating a low-friction entry funnel. Pricing is not publicly disclosed; fees are set out in individual IVA proposal documentation. The firm's market positioning is IVA-exclusivity, regulatory credibility (VPR membership and IPA licensing), and a compassionate, technology-enabled client experience, with a Trustpilot presence serving as the primary social-proof channel.

Name

Fresh Start Personal Insolvency Spain SL

Legal name

Fresh Start Insolvency Ltd

Website

https://freshstartinsolvency.co.uk

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Fresh Start Insolvency is a specialist UK IVA administration firm founded in 2019, serving individuals in England, Wales and Northern Ireland with £7,000+ unsecured debt through a single in-house Insolvency Practitioner, a docslink.uk client portal, and a small seven-person team supporting thousands of active IVAs.

Ownership category

akta.pro rank

Product category

Personal Insolvency Services

NAICS

Trust, Fiduciary, and Custody Activities (523991)

akta.pro primary industry

Insolvency, Restructuring & Bankruptcy Administration (BPAHABAL)

akta.pro secondary industries

Debt Restructuring & Workout Advisory (Consumer & SME) (FSAEAFAH), Bankruptcy, Insolvency & Restructuring Servicing (Consumer) (FSAKAJAK)

Keywords

• Individual voluntary arrangements
• Insolvency administration services
• Debt management solutions
• IVA proposal preparation
• Personal insolvency practice

Headquarters

HQ city

Stepps, Glasgow

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. IVA Administration Fees: Fresh Start charges fees for administering Individual Voluntary Arrangements. Fees are documented and agreed at the outset of the IVA and include a Nominee Fee, Supervisory Fee, and disbursements. Fees are deducted from the client's monthly IVA payment or funds from third parties/assets recovered by the Supervisor.
2. Initial Advice (Free): Initial IVA advice is provided free with no obligation to proceed. Revenue is generated only upon approval of the arrangement.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Fresh Start Insolvency administers Individual Voluntary Arrangements (IVAs) under the Insolvency Act 1986 for individuals struggling with unmanageable unsecured debt. The service includes preparing and circulating IVA proposals, coordinating with creditors, monitoring ongoing client compliance, conducting annual income and expenditure reviews, and supervising IVAs through to completion. Clients access an online portal to view their IVA details, manage direct debit and card payments, upload documents, and complete annual reviews, while the company retains an in-house licensed Insolvency Practitioner for proposal and supervision work.

Product overview

Fresh Start Insolvency is a specialist insolvency administration company that provides a single core service: Individual Voluntary Arrangement (IVA) administration. The company operates through a client portal (hosted via docslink.uk) where clients can view their IVA details including creditors, payment schedules, and income/expenditure. An in-house Insolvency Practitioner (Stacey Graham-Battersby) licensed by the Insolvency Practitioners Association (IPA) handles proposal preparation, creditor coordination, and IVA supervision. The offering is a single-service, single-module architecture focused exclusively on IVAs—no additional product lines or modules are offered.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Voluntary Arrangement (IVA) Administration End-to-end administration of Individual Voluntary Arrangements under the Insolvency Act 1986 for individuals in England, Wales, and Northern Ireland with £7,000+ of unsecured debt owed to two or more creditors. The service covers preparation and circulation of the IVA proposal, creditor coordination, ongoing compliance monitoring, annual income and expenditure reviews, and supervision through to completion, with fees deducted from the client's monthly contributions.

Quantifiable outcome

• Upon successful IVA completion, eligible outstanding debt is written off
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

One partnership is on record.

• MoneyPlus GroupminorGTM or Marketing PartnerFresh Start may share customer data with MoneyPlus Group to discuss problem unsecured debt options. This is disclosed in the privacy policy as a circumstance under which data may be shared with third parties.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Others

• MoneyPlus Group: UK consumer debt solutions provider covering DMPs, IVAs, and informal arrangements. Already named as a Fresh Start referral/data partner; comparable as an adjacent debt solutions provider in the same consumer segment.

Broad incumbents

• StepChange Debt Charity: The UK's largest debt advice charity, providing IVAs, DMPs, and DROs as part of a broader free debt solution portfolio. Comparable as a destination for indebted individuals but operates as a not-for-profit incumbent that competes on advice quality rather than paid IVA administration.
• National Debtline: Free telephone and web-based debt advice service covering England, Wales, and Scotland. Comparable target customer (individuals with unsecured debt) and acts as both an alternative channel and a referral source for IVA specialists.
• Citizens Advice: National free advice network that routes indebted consumers to debt solutions including IVAs. Comparable target audience and operates as a trusted free-advice alternative that influences the IVA funnel for paid firms like Fresh Start.

Direct peers

• McCambridge Duffy: Specialist UK IVA and insolvency administration firm serving consumers with unmanageable unsecured debt. Directly comparable to Fresh Start on core service, eligibility targeting (£7k+ debt, 2+ creditors), and licensed IP-led delivery.
• McCambridge Duffy Insolvency Practitioners: Boutique insolvency practice specialising in IVAs and personal insolvency for individuals. Directly comparable in service mix, customer targeting, and licensed IP-led operating model.
• Creditfix: One of the largest dedicated IVA providers in the UK, offering Individual Voluntary Arrangement proposals and supervision. Closely comparable to Fresh Start on product (IVA-only focus), target customer (over-indebted individuals in England/Wales/NI), and regulated insolvency practitioner delivery model.
• PayPlan (StepChange Group): Free debt advice provider that proposes and administers IVAs as part of the StepChange family. Overlaps directly with Fresh Start on IVA proposal/supervision but differentiates on a not-for-profit, free-to-consumer model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fresh-start-personal-insolvency-spain-sl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fresh Start Personal Insolvency Spain SL