Insolvency Experts

What Insolvency Experts does

Insolvency Experts Ltd is a UK-based, licensed insolvency practice incorporated in England and Wales (Co Reg 12106315) that administers formal and informal debt solutions for individual consumers. The firm's core offering is the Individual Voluntary Arrangement (IVA), a statutory solution that consolidates unaffordable unsecured debts into a single monthly payment over typically 60 or 72 months, freezes interest and charges, and writes off remaining balances on completion; typical IVA fees are approximately £3,650 per case, taken from within the approved monthly payment rather than upfront. Beyond IVAs, the firm advises on Bankruptcy, Debt Management Plans (DMPs), Debt Relief Orders (DROs), the government Breathing Space scheme, and debt consolidation, with case throughput handled by an in-house team of Telesales Executives running fact-find calls and submitting cases to the firm's authorised Insolvency Practitioner (Steven Cooke, IP Number 12538, regulated by the Insolvency Practitioners Association).

The business operates a multi-brand direct-to-consumer acquisition model layered over a single licensed practice, with consumer-facing websites at insolvencyexpertsltd.co.uk, 247debthelp.co.uk, moneysavingadvisers.uk, and theivaexpert.co.uk targeting distinct debt-solution search intents. Marketing is driven by Google paid advertising and organic SEO, supplemented by telephone inside-sales, email inquiry, and in-person consultations at offices in Wythenshawe (Manchester), Bolton (St George's House and Horwich), and the registered address in Heywood. Revenue is generated primarily through IVA administration fees (a transaction-style take rate negotiated with creditors as a share of the monthly payment) with secondary affiliate referral payments received when customers who do not qualify for an IVA are routed to partner providers including The Insolvency Group, Ebenegate, The Debt Advice Service, Pacific Financial Solutions, and MoneyPlus Group.

Technology is intentionally non-proprietary: the firm relies on third-party case management and document management software providers to store and process client cases, with no disclosed AI, API, or SDK surface. Operations are concentrated in England and Wales; the firm explicitly does not offer advice on Scottish debt solutions such as Protected Trust Deeds, DAS, or Sequestration. Ownership is private and founder/Insolvency-Practitioner-managed, with no disclosed institutional investors, parent company, or funding rounds in the source materials.

Name

Insolvency Experts

Legal name

Insolvency Experts Ltd

Website

https://insolvencyexpertsltd.co.uk

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Insolvency Experts Ltd is a UK-licensed insolvency practice specialising in Individual Voluntary Arrangements (IVAs) and related debt solutions (bankruptcy, DMPs, DROs, Breathing Space) for individual consumers with unaffordable unsecured debts across England and Wales.

Ownership category

akta.pro rank

Product category

Insolvency and Debt Solutions

NAICS

Finance and Insurance (52)

akta.pro primary industry

Debt Restructuring & Workout Advisory (Consumer & SME) (FSAEAFAH)

akta.pro secondary industries

Bankruptcy, Insolvency & Restructuring Servicing (Consumer) (FSAKAJAK), Insolvency, Restructuring & Bankruptcy Administration (BPAHABAL), Financial Hardship & Forbearance Assistance (FSAEAFAJ)

Keywords

• Insolvency services
• Debt management
• IVA administration
• Bankruptcy advice
• Debt consolidation

Headquarters

HQ city

Heywood

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. IVA Fees: The company earns fees from administering Individual Voluntary Arrangements. Fees are negotiated with creditors as a percentage of the monthly payment the client makes. Typical total fees are approximately £3,650, which are taken from within the monthly IVA payment. No upfront fees are charged.
2. Referral Payments: The company receives payment for introductions when customers are referred to partner debt solution providers if they do not qualify for an IVA.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Insolvency Experts Ltd is a UK licensed insolvency practice that helps individuals with unaffordable unsecured debts consolidate payments and write off debt through formal insolvency solutions. Its flagship service is the Individual Voluntary Arrangement (IVA), with additional advisory and case-handling for Bankruptcy, Debt Management Plans (DMPs), Debt Relief Orders (DROs), Breathing Space, and Debt Consolidation, delivered via telephone Inside Sales, in-person consultations across Manchester and Bolton offices, and online inquiry channels.

Product overview

Insolvency Experts Ltd operates a multi-brand platform offering comprehensive debt solutions. The core offering is Insolvency Experts Ltd, which trades under three sub-brands: 247 Debt Help, Money Saving Advisers, and The IVA Expert. The company specializes primarily in Individual Voluntary Arrangements (IVAs) as its flagship service, supplemented by alternative debt solutions including Bankruptcy, Debt Management Plans (DMPs), Debt Relief Orders (DROs), Breathing Space schemes, and Debt Consolidation. The sub-brands serve different market segments and circumstances while sharing the same licensed insolvency practice infrastructure and Insolvency Practitioner oversight.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Voluntary Arrangement (IVA) A formal debt solution that consolidates a customer's unaffordable unsecured debts into one affordable monthly payment, freezes interest and charges, and legally writes off remaining debt upon completion (typically 60 or 72 months). Provides legal protection from creditors, bailiffs, and debt collectors, with flexible income provisions.
• Bankruptcy A formal insolvency solution where unaffordable debt can be written off, potentially requiring monthly repayments for up to 3 years, with non-essential assets (vehicles or property above reasonable replacement value) potentially sold to repay debt. Targeted at insolvent individuals with limited assets who see no realistic path to repaying their debts.
• Debt Management Plan (DMP) An informal debt solution that restructures a customer's debts, allowing repayment at an affordable rate without any debt write-off. Creditors can still take legal action and charge interest during the plan.
• Debt Relief Order (DRO) A form of insolvency for individuals who meet specific criteria: owe less than £50,000, have assets worth no more than £2,000 (or a car worth no more than £4,000), and cannot afford at least £75 per month toward debts. Qualifying debts are written off after 12 months without regular monthly payments, provided circumstances do not change.
• Breathing Space (Debt Respite Scheme) A government-backed scheme (also called The Debt Respite Scheme) that provides a 60-day break from interest, fees, and court action while the customer seeks debt advice and works towards a long-term debt solution, such as an IVA.
• Debt Consolidation Advisory and arrangement service that consolidates a customer's debts using a secured or unsecured loan to reduce monthly payments, subject to credit and affordability checks and with new loan interest charges applied. Loans secured against a home or property carry the risk of repossession if not repaid.

Quantifiable outcome

• Debt write-off of 25% to 75% is realistic upon IVA completion
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor and core.

• The Insolvency GroupminorOthersRegulated partner company that assists in the implementation of debt solutions. Information sharing occurs with customer consent.
• EbenegateminorOthersRegulated partner company assisting in debt solution implementation. Data sharing occurs with customer consent.
• The Debt Advice ServiceminorOthersRegulated partner company involved in implementing debt solutions for customers who may not qualify for IVA.
• Pacific Financial SolutionsminorOthersRegulated partner company that assists in the implementation of debt solutions.
• MoneyPlus GroupminorOthersPartner for direct marketing purposes. Customer data may be shared for marketing if customer consents. MoneyPlus provides regulated debt advice.
• Case Management System Software ProviderscoreTechnology or IntegrationThird-party case management system software providers enable customer cases to be stored and maintained on their platforms.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Creditfix: One of the UK's largest commercial IVA providers, offering IVAs, DMPs, and bankruptcy advice through a similar direct-to-consumer, multi-channel model targeting financially distressed consumers across England and Wales.
• Aperture: UK commercial IVA specialist operating a digital lead-generation and case-management model aimed at the same unsecured-debt consumer. Comparable in product focus and channel strategy.
• MoneyPlus Group: Listed referral and debt-advice partner of Insolvency Experts, also delivering regulated debt solutions and marketing services. Overlaps directly in IVA/DMP product set and partner network.
• McCambridge Duffy: Manchester-based insolvency practice specialising in IVAs and consumer debt solutions. Closest geographic and segment peer, offering effectively the same product set to the same customer base in the North West of England.
• Churchill Knight & Associates: UK insolvency and accountancy practice offering IVAs and personal insolvency solutions to consumers. Comparable in scale, product focus, and customer profile to Insolvency Experts.
• StepChange Debt Charity: UK's largest debt-advice charity, providing free advice on IVAs, DMPs, DROs, and bankruptcy. Competes for the same distressed-consumer demand, with a charity-funded cost structure that pressures commercial peers on price.
• PayPlan: Major UK DMP and debt-advice provider (part of TDX Group) offering free debt management plans alongside IVAs, DROs, and bankruptcy. Directly comparable in target customer, channel mix, and product suite.
• Money Wellness (formerly Debtline): UK IVA and debt-solution provider offering IVAs, DMPs, and DROs through a digital-first, telephone-led model. Directly comparable in product mix and target customer segment.

Broad incumbents

• FRP Advisory: Large UK restructuring and insolvency advisory firm whose personal insolvency division serves a subset of the same consumer-IVAs market at greater scale and with broader corporate-restructuring capabilities.
• Citizens Advice: National free debt-advice provider with broad consumer-services remit beyond debt. Sets the 'free advice' benchmark that commercial IVA firms like Insolvency Experts must differentiate against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/InsolvencyExp_
• LinkedInlinkedin.com/company/69677739

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 Insolvency Experts