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Reply-To: "Mike Konzon" <michael.konzon@clippercontracting.co.uk>
From: "Mike Konzon" <michael.konzon@clippercontracting.co.uk>
To: <bob@sarahharvey.com>
Subject: Have you checked the financial health of your umbrella company?
Date: Sat, 7 Mar 2026 10:32:50 -0000
Message-ID: <13ef.4aba358de.m1.fb2f0e40-1a10-11f1-873d-16423a433ff6.19cc7db5524@sender.zohocrm.eu>
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Your FCSA and Saferec accredited umbrella company




We've already shared the pillars that Clipper Contracting Group have put in 
place to ensure full transparency of our compliant processes. We are Saferec 
Certified and FCSA accredited and whilst these are a great indication that 
you are engaging with a trusted partner, the due diligence doesn't stop 
there.




What else should an agency be doing?



Despite these great tools and features, you shouldn't just rely on the "they 
are accredited, it'll be fine" mantra in ensuring you are assesing the risks 
under JSL. An agency partner should perform their own due dligence and this 
should start with a financial review of your umbrella companies. A 
distressed business is much more likely to default on it's payment 
commitments to HMRC and with the number of UK businesses in 'critical' 
distress growing recently, there are likely to be far more administration 
and liquidation events in the near future, exposing recruitment agencies to 
JSL.

So what should you look out for? Whilst Companies House records can be a 
good start, tools such as CreditSafe become invaluable. Here's some things 
to consider:Is it a newly incorporated business? If so, there may be less financial 
history to decipher information from; more places to hide.Low net assets? A business may not have the reserves to cope well with a 
shock such a large bad debtHave the Directors liqiuidated previous businesses? It may show a pattern of 
unsuccesful businesses.Business proftiable? Low profitability could indicate low resilience to 
economic shocksCCJs or HMRC demands? These suggest creditors are not getting paid and can 
signify cashflow issues.If you're reviewing your current umbrella companies, you should consider the 
above as part of your evidence gathering and review.

Clipper Contracting Group is a business with over 16 years of trading that 
has consistently shown strong net assets, the same set of Directors and 
strong profitability. Along with the transparency and compliance checks 
afforded by the likes of our Saferec and FCSA accrediations, were in a great 
position to support our network of recruitment partners.Download our JSL brochure 
<https://sender.zohoinsights.eu/ck1/13ef.4aba358de/fb2f0e40-1a10-11f1-873d-16423a433ff6/5943f8d027a81fc6b3945276bff6b730ebae4664/2?e=dYAQOsq25pMJu2eUmteYL9Z1LjwGgsb0W5eNvadWa4bAB586YAhWjqZbjP1qdyMwqelhtzYBZAdQZlEgMeBFrr5fR7y9fscFPDyNqvxhe0Mv8B2HTIQr1fMrDxueW1l6WnW1CiMVvb9g0wjUSSlc1gXGEgCaX%2FFAuZLNMl70d6E%3D>


As a reminder - we offer tailored workshops to all agencies covering all 
topics, including this new legislation.

Contact your dedicated point of contact who will arrange a workshop or help 
guide you through the key financial indicators to look for.Copyright © 2026 Clipper Contracting Group, All rights reserved

Our mailing address is:
Clipper Contracting, Mey House, Bridport Rd, Poundbury, Dorchester DT1 3QY
This email is sent on behalf of Clipper Contracting Group Limited, 
Registered Office, Clipper Contracting, Mey House, Bridport Rd, Poundbury, 
Dorchester DT1 3QY. Registered in England and Wales No. 06631601

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class=3D"mcnDividerBlockOuter"><tr><td class=3D"mcnDividerBlockInner" =
style=3D"min-width: 100%; padding: 18px"><table =
class=3D"mcnDividerContent" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%" style=3D"border-collapse: collapse; =
min-width: 100%; border-top: 2px solid rgb(234, 234, =
234)"><tbody><tr><td =
style=3D""></td></tr></tbody></table></td></tr></tbody></table><table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnTextBlock" style=3D"border-collapse: collapse; min-width: =
100%"><tbody class=3D"mcnTextBlockOuter"><tr><td valign=3D"top" =
class=3D"mcnTextBlockInner" style=3D"padding-top: 9px"><table =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnTextContentContainer" =
style=3D"border-collapse: collapse; float: left; max-width: 100%; =
min-width: 100%"><tbody><tr><td valign=3D"top" class=3D"mcnTextContent" =
style=3D"word-break: break-word; color: rgb(255, 255, 255); font-family: =
Helvetica; line-height: 24px; padding: 0px 18px 9px"><div =
style=3D"text-align: center"><span style=3D"font-family: verdana, =
geneva, sans-serif"><span style=3D"font-size: 32px"><strong>Your FCSA =
and Saferec accredited umbrella =
company</strong></span></span></div></td></tr></tbody></table></td></tr><=
/tbody></table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnDividerBlock" style=3D"border-collapse: =
collapse; table-layout: fixed !important; min-width: 100%"><tbody =
class=3D"mcnDividerBlockOuter"><tr><td class=3D"mcnDividerBlockInner" =
style=3D"min-width: 100%; padding: 18px"><table =
class=3D"mcnDividerContent" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%" style=3D"border-collapse: collapse; =
min-width: 100%; border-top: 2px solid rgb(234, 234, =
234)"><tbody><tr><td =
style=3D""></td></tr></tbody></table></td></tr></tbody></table><table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnTextBlock" style=3D"border-collapse: collapse; min-width: =
100%"><tbody class=3D"mcnTextBlockOuter"><tr><td valign=3D"top" =
class=3D"mcnTextBlockInner" style=3D"padding-top: 9px"><table =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnTextContentContainer" =
style=3D"border-collapse: collapse; float: left; max-width: 100%; =
min-width: 100%"><tbody><tr><td valign=3D"top" class=3D"mcnTextContent" =
style=3D"word-break: break-word; color: rgb(255, 255, 255); font-family: =
Helvetica; line-height: 24px; padding: 0px 18px 9px"><div =
style=3D"text-align: center">We've already shared the pillars that =
Clipper Contracting Group have put in place to ensure full transparency =
of our compliant processes. We are Saferec Certified and FCSA accredited =
and whilst these are a great indication that you are engaging with a =
trusted partner, the due diligence doesn't stop =
there.</div></td></tr></tbody></table></td></tr></tbody></table><table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnDividerBlock" style=3D"border-collapse: collapse; =
table-layout: fixed !important; min-width: 100%"><tbody =
class=3D"mcnDividerBlockOuter"><tr><td class=3D"mcnDividerBlockInner" =
style=3D"min-width: 100%; padding: 18px"><table =
class=3D"mcnDividerContent" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%" style=3D"border-collapse: collapse; =
min-width: 100%; border-top: 2px solid rgb(234, 234, =
234)"><tbody><tr><td =
style=3D""></td></tr></tbody></table></td></tr></tbody></table><table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnTextBlock" style=3D"border-collapse: collapse; min-width: =
100%"><tbody class=3D"mcnTextBlockOuter"><tr><td valign=3D"top" =
class=3D"mcnTextBlockInner" style=3D"padding-top: 9px"><table =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnTextContentContainer" =
style=3D"border-collapse: collapse; float: left; max-width: 100%; =
min-width: 100%"><tbody><tr><td valign=3D"top" class=3D"mcnTextContent" =
style=3D"word-break: break-word; color: rgb(255, 255, 255); font-family: =
Helvetica; line-height: 24px; padding: 0px 18px 9px"><div =
style=3D"text-align: center"><span style=3D"font-family: verdana, =
geneva, sans-serif"><span style=3D"font-size: 32px"><strong>What else =
should an agency be =
doing?</strong></span></span></div></td></tr></tbody></table></td></tr></=
tbody></table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnDividerBlock" style=3D"border-collapse: =
collapse; table-layout: fixed !important; min-width: 100%"><tbody =
class=3D"mcnDividerBlockOuter"><tr><td class=3D"mcnDividerBlockInner" =
style=3D"min-width: 100%; padding: 18px"><table =
class=3D"mcnDividerContent" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%" style=3D"border-collapse: collapse; =
min-width: 100%; border-top: 2px solid rgb(234, 234, =
234)"><tbody><tr><td =
style=3D""></td></tr></tbody></table></td></tr></tbody></table><table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnTextBlock" style=3D"border-collapse: collapse; min-width: =
100%"><tbody class=3D"mcnTextBlockOuter"><tr><td valign=3D"top" =
class=3D"mcnTextBlockInner" style=3D"padding-top: 9px"><table =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnTextContentContainer" =
style=3D"border-collapse: collapse; float: left; max-width: 100%; =
min-width: 100%"><tbody><tr><td valign=3D"top" class=3D"mcnTextContent" =
style=3D"word-break: break-word; color: rgb(255, 255, 255); font-family: =
Helvetica; line-height: 24px; padding: 0px 18px 9px">Despite these great =
tools and features, you shouldn't just rely on the "they are accredited, =
it'll be fine" mantra in ensuring you are assesing the risks under JSL. =
An agency partner should perform their own due dligence and this should =
start with a financial review of your umbrella companies. A distressed =
business is much more likely to default on it's payment commitments to =
HMRC and with the number of UK businesses in 'critical' distress growing =
recently, there are likely to be far more administration and liquidation =
events in the near future, exposing recruitment agencies to =
JSL.<br><br>So what should you look out for? Whilst Companies House =
records can be a good start, tools such as CreditSafe become invaluable. =
Here's some things to =
consider:</td></tr></tbody></table></td></tr></tbody></table><table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnBoxedTextBlock" style=3D"border-collapse: collapse; =
min-width: 100%"><tbody class=3D"mcnBoxedTextBlockOuter"><tr><td =
valign=3D"top" class=3D"mcnBoxedTextBlockInner" style=3D""><table =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnBoxedTextContentContainer" =
style=3D"border-collapse: collapse; float: left; min-width: =
100%"><tbody><tr><td style=3D"padding: 9px 18px"><table border=3D"0" =
cellspacing=3D"0" class=3D"mcnTextContentContainer" width=3D"100%" =
style=3D"border-collapse: collapse; background-color: rgb(199, 229, =
244); min-width: 100%"><tbody><tr><td valign=3D"top" =
class=3D"mcnTextContent" style=3D"word-break: break-word; color: rgb(40, =
53, 71); font-family: Helvetica; font-size: 14px; line-height: 21px; =
padding: 18px"><strong>Is it a newly incorporated =
business?</strong>&nbsp;If so, there may be less financial history to =
decipher information from; more places to =
hide.</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbod=
y></table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnBoxedTextBlock" style=3D"border-collapse: =
collapse; min-width: 100%"><tbody =
class=3D"mcnBoxedTextBlockOuter"><tr><td valign=3D"top" =
class=3D"mcnBoxedTextBlockInner" style=3D""><table align=3D"left" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnBoxedTextContentContainer" style=3D"border-collapse: =
collapse; float: left; min-width: 100%"><tbody><tr><td style=3D"padding: =
9px 18px"><table border=3D"0" cellspacing=3D"0" =
class=3D"mcnTextContentContainer" width=3D"100%" =
style=3D"border-collapse: collapse; background-color: rgb(199, 229, =
244); min-width: 100%"><tbody><tr><td valign=3D"top" =
class=3D"mcnTextContent" style=3D"word-break: break-word; color: rgb(40, =
53, 71); font-family: Helvetica; font-size: 14px; line-height: 21px; =
padding: 18px"><strong>Low net assets?&nbsp;</strong>A business may not =
have the reserves to cope well with a shock such a large bad =
debt</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody=
></table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnBoxedTextBlock" style=3D"border-collapse: =
collapse; min-width: 100%"><tbody =
class=3D"mcnBoxedTextBlockOuter"><tr><td valign=3D"top" =
class=3D"mcnBoxedTextBlockInner" style=3D""><table align=3D"left" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnBoxedTextContentContainer" style=3D"border-collapse: =
collapse; float: left; min-width: 100%"><tbody><tr><td style=3D"padding: =
9px 18px"><table border=3D"0" cellspacing=3D"0" =
class=3D"mcnTextContentContainer" width=3D"100%" =
style=3D"border-collapse: collapse; background-color: rgb(199, 229, =
244); min-width: 100%"><tbody><tr><td valign=3D"top" =
class=3D"mcnTextContent" style=3D"word-break: break-word; color: rgb(40, =
53, 71); font-family: Helvetica; font-size: 14px; line-height: 21px; =
padding: 18px"><strong>Have the Directors liqiuidated previous =
businesses?</strong>&nbsp;It may show a pattern of unsuccesful =
businesses.</td></tr></tbody></table></td></tr></tbody></table></td></tr>=
</tbody></table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnBoxedTextBlock" style=3D"border-collapse: =
collapse; min-width: 100%"><tbody =
class=3D"mcnBoxedTextBlockOuter"><tr><td valign=3D"top" =
class=3D"mcnBoxedTextBlockInner" style=3D""><table align=3D"left" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnBoxedTextContentContainer" style=3D"border-collapse: =
collapse; float: left; min-width: 100%"><tbody><tr><td style=3D"padding: =
9px 18px"><table border=3D"0" cellspacing=3D"0" =
class=3D"mcnTextContentContainer" width=3D"100%" =
style=3D"border-collapse: collapse; background-color: rgb(199, 229, =
244); min-width: 100%"><tbody><tr><td valign=3D"top" =
class=3D"mcnTextContent" style=3D"word-break: break-word; color: rgb(40, =
53, 71); font-family: Helvetica; font-size: 14px; line-height: 21px; =
padding: 18px"><strong>Business proftiable?</strong>&nbsp;Low =
profitability could indicate low resilience to economic =
shocks</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnBoxedTextBlock" style=3D"border-collapse: =
collapse; min-width: 100%"><tbody =
class=3D"mcnBoxedTextBlockOuter"><tr><td valign=3D"top" =
class=3D"mcnBoxedTextBlockInner" style=3D""><table align=3D"left" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnBoxedTextContentContainer" style=3D"border-collapse: =
collapse; float: left; min-width: 100%"><tbody><tr><td style=3D"padding: =
9px 18px"><table border=3D"0" cellspacing=3D"0" =
class=3D"mcnTextContentContainer" width=3D"100%" =
style=3D"border-collapse: collapse; background-color: rgb(199, 229, =
244); min-width: 100%"><tbody><tr><td valign=3D"top" =
class=3D"mcnTextContent" style=3D"word-break: break-word; color: rgb(40, =
53, 71); font-family: Helvetica; font-size: 14px; line-height: 21px; =
padding: 18px"><strong>CCJs or HMRC demands?</strong>&nbsp;These suggest =
creditors are not getting paid and can signify cashflow =
issues.</td></tr></tbody></table></td></tr></tbody></table></td></tr></tb=
ody></table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnTextBlock" style=3D"border-collapse: =
collapse; min-width: 100%"><tbody class=3D"mcnTextBlockOuter"><tr><td =
valign=3D"top" class=3D"mcnTextBlockInner" style=3D"padding-top: =
9px"><table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%" class=3D"mcnTextContentContainer" =
style=3D"border-collapse: collapse; float: left; max-width: 100%; =
min-width: 100%"><tbody><tr><td valign=3D"top" class=3D"mcnTextContent" =
style=3D"word-break: break-word; color: rgb(255, 255, 255); font-family: =
Helvetica; line-height: 24px; padding: 0px 18px 9px">If you're reviewing =
your current umbrella companies, you should consider the above as part =
of your evidence gathering and review.&nbsp;<br><br>Clipper Contracting =
Group is a business with over 16 years of trading that has consistently =
shown strong net assets, the same set of Directors and strong =
profitability. Along with the transparency and compliance checks =
afforded by the likes of our Saferec and FCSA accrediations, were in a =
great position to support our network of recruitment =
partners.</td></tr></tbody></table></td></tr></tbody></table><table =
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Arial; padding: 18px"><a class=3D"mcnButton " title=3D"Download our JSL =
brochure" =
href=3D"https://sender.zohoinsights.eu/ck1/13ef.4aba358de/fb2f0e40-1a10-1=
1f1-873d-16423a433ff6/5943f8d027a81fc6b3945276bff6b730ebae4664/2?e=3DdYAQ=
Osq25pMJu2eUmteYL9Z1LjwGgsb0W5eNvadWa4bAB586YAhWjqZbjP1qdyMwqelhtzYBZAdQZ=
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brochure</a></td></tr></tbody></table></td></tr></tbody></table><table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" =
class=3D"mcnBoxedTextBlock" style=3D"border-collapse: collapse; =
min-width: 100%"><tbody class=3D"mcnBoxedTextBlockOuter"><tr><td =
valign=3D"top" class=3D"mcnBoxedTextBlockInner" style=3D""><table =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%" class=3D"mcnBoxedTextContentContainer" =
style=3D"border-collapse: collapse; float: left; min-width: =
100%"><tbody><tr><td style=3D"padding: 9px 18px"><table border=3D"0" =
cellspacing=3D"0" class=3D"mcnTextContentContainer" width=3D"100%" =
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agencies covering all topics, including this new =
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