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Here are ten signs:

  1. Your bankers bounce a cheque or direct debit.
  2. You are constantly operating at the ceiling of your overdraft.
  3. Your trade suppliers are overdue.
  4. You receive solicitors’ warning letters, or debt recovery proceedings.
  5. A court judgement is made.
  6. Your PAYG, GST or Super is not up to date.
  7. Your tax returns and BAS statements are not up to date.
  8. You do not have current management information showing the financial position.
  9. You have an overdrawn director’s loan account.
  10. You have payment plans in place.

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