Our Services

Business Structure Design

How your business is structured determines exactly how exposed your personal assets are if things go wrong. We review your structure — or help you choose the right one from the start — against how each option actually behaves under pressure.

• Sole trader: one of the most exposed structures available — your house, bank accounts, and credit rating sit directly behind the business.
• Partnership: profits and tax are shared, but every partner's personal assets can be exposed through required signatures and guarantees.
• Multi-director company: safer than trading personally, but directors still carry fiduciary duties and often sign personal guarantees.
• Single-director company: since the 1993 Corporations Act amendment, this structure restores what proprietary limited companies were originally designed for — trading with limited liability.

Structured and traded correctly, a company failure keeps the debt inside the company — subject to any personal guarantees given — rather than reaching your family's assets.

Asset Protection Reviews

Drawing a line between what belongs to you and what belongs to the business is something people commonly forget to do — and it's often the single biggest factor in what a creditor can and can't reach.

• We review how your home is funded — it should generally be paid via personal drawings or wages, not company cash.
• Where a home has been used as security for a company loan, we make sure the company — not the individual — repays that facility.
• For sole traders and partnerships moving into a company structure, we ensure the company properly purchases the assets, at fair market value with a proper sale agreement, or via a secured loan agreement.
• In some cases, assets can be licensed or rented to the business instead of sold — retaining ownership and generating ongoing personal income.

PPSR & Secured Creditor Status

Banks protect themselves with a registered mortgage or a secured charge over the assets they lend against. Directors can — and should — apply the same logic to their own business.

We register security over assets within the company and money you personally put into the business through the Personal Property Securities Register, including cover for “all monies and future acquired assets” rather than just a fixed snapshot of what's owned today. This gives your accountant, solicitor, and business consultant a concrete tool to work with, and gives you a safe place to stand if the storm comes.

Restructuring Coordination

Where a business has outgrown its original structure — new partners, new entities, succession, or a change in risk profile — we coordinate the restructuring process end to end, working alongside your accountant and legal advisors so nothing falls between the gaps.

Insolvency Preparedness & Director Duties

Director penalty notices, statutory demands, preference payments, and employee entitlements all carry specific, personal consequences for directors under Australian law. We help you understand and prepare for:

• Personal guarantees sitting behind loans, leases, and trade accounts.
• Statutory demands and director penalty notices, and what triggers them.
• Employee entitlements and superannuation, which rank as priority claims in a liquidation or administration.
• Preference payments — funds paid to a creditor in the six months before insolvency, which can be clawed back.

Prefer to check your own exposure first? Run our self-assessment checklists.