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Market-path research — 28 Aug 2026 23:55 Europe/London

Not a P move. No path named. No customer named.
Did not re-read Companies House company 16892858.
Did not repeat last recon hour: Law Society of Northern Ireland — About the Law Society / Annual Report 2023–2024 / The Solicitor Profession in Northern Ireland brochure / Find a Solicitor / Guidance on using the Solicitor’s Directory / Using a Solicitor / FAQs / NISRA Legal Services Agency NI Annual Statistics March 2025.
Also did not repeat: ICO data protection fee / register / register of fee payers / self-assessment / fixed penalties; GOV.UK / HMRC Understanding off-payroll working (IR35) / CEST / Deemed employer / Off-payroll working for clients / ESM10006A; AAT licensed-membership / growth / Find an accountant or bookkeeper / FRC Key Facts 2025; HMRC Corporation Tax Statistics 2025 collection / commentary / background; Law Society of Scotland AGM / trainee statistics / Find a Solicitor; Companies House late filing penalties / ECCTA financial penalties; ICAS Regulation Strategy / Starting up in practice / 2026 AML Declaration / Find a CA; HMRC Annual UK VAT statistics 2024 to 2025; CIOT / ATT Find a Member; Making Tax Digital for Income Tax; ICAEW probate / oaths; Help to Grow / Growth Guarantee; HMRC Trust Registration Service; Innovate UK / UKRI / Smart Grants / Apply for innovation funding; ACCA Report on Regulation / Find an accountant; HMRC R&D Tax Credits Statistics September 2025; Faculty Office / Master of the Faculties notaries; confirmation statement / accounts / Corporation Tax deadline pages; HMRC tax-adviser ASA / MMTAR; VAT / PAYE employer pages; HMRC EIS/SEIS 2026; Start Up Loans; OPBAS; CLSB Costs Lawyer; DBT BPE 2025; ACRA / CGIUKI; Insolvency Act 1986 s.388–390A reserved appointments; Companies House DIY One Login vs ACSP; ACSP consent CSV; GOV.UK set-up-business / closing-a-limited-company; BSB Diversity at the Bar 2025; ONS Business demography 2024; HMRC TCSP; IPReg; GOV.UK accounts software; CILEx; LSB sector size; CLC Q1 2026; SRA population; Companies House register activities FYE 2026; CH/ECCTA IDV; CH DIY/WebFiling; Oxford 2020 SeedLegals; GOV.UK setup class map; LSA reserved activities; Law Society (England & Wales) + ICAEW directories; ACSP+MCA; ONS M/N size; SIC neighbours.

Area: Market discovery.
Verdict: stayed thin.
P unchanged.

Searched

Prefer Market discovery this hour (last filed 28 Aug 18:55 HMRC Corporation Tax Statistics 2025) after Competitor mapping filled at 22:55 with Law Society of Northern Ireland. Unused official source: The Insolvency Service Company insolvencies July 2026 release (collection page, July 2026 commentary, December 2025 annual commentary, Insolvency Service organisation page). Formal insolvency procedure counts and rates — different from Companies House register-activities dissolutions (27 Aug 04:55) and from the IA 1986 reserved-appointment risk constraint (27 Aug 17:55). Not another Competitor mapping regulator headcount (LSNI filled that at 22:55). Not another Risk reduction fee or AML overlay (ICO filled that at 21:55). Not another Market scenarios contractor-intermediary fork (IR35 filled that at 20:55). Not another Companies in the space practice lane (AAT filled that at 19:55).

Company insolvencies, July 2026 (collection): https://www.gov.uk/government/statistics/company-insolvencies-july-2026 — HTTP 200
Commentary - Company Insolvency Statistics July 2026: https://www.gov.uk/government/statistics/company-insolvencies-july-2026/commentary-company-insolvency-statistics-july-2026 — HTTP 200
Commentary - Company Insolvency Statistics December 2025 (annual): https://www.gov.uk/government/statistics/company-insolvencies-december-2025/commentary-company-insolvency-statistics-december-2025 — HTTP 200
Company insolvency statistics releases (collection): https://www.gov.uk/government/collections/company-insolvency-statistics-releases — HTTP 200
The Insolvency Service (organisation): https://www.gov.uk/government/organisations/insolvency-service — HTTP 200

Did not treat “companies entering CVL”, “compulsory liquidations”, “administrations”, “Scotland insolvencies”, or “Northern Ireland insolvencies” as a FYJ customer. Did not invent a “FYJ helps insolvent companies” product. Did not ask for a forbidden-market list. The 27 Aug 04:55 Companies House register-activities dissolutions pass and the 27 Aug 17:55 IA 1986 reserved-appointment pass were not re-opened as the same pages; this hour is the Insolvency Service monthly / annual company-insolvency statistics themselves.

What stands

July 2026 commentary (HTTP 200; published 18 August 2026; accredited official statistics): England and Wales registered company insolvencies 1,931 in July 2026 — 5% higher than June 2026 (1,847) and 5% lower than July 2025 (2,031). Breakdown: 288 compulsory liquidations; 1,497 creditors’ voluntary liquidations (CVLs); 124 administrations; 22 company voluntary arrangements (CVAs); no receivership appointments. CVLs were 78% of July 2026 insolvencies. Twelve-month rolling rate to 31 July 2026: 50.3 per 10,000 companies on the effective register (one in 199), down from 52.5 per 10,000 in the 12 months ending 31 July 2025. Peak rate in the 2008–09 recession was 113.1 per 10,000; the register has more than doubled since then. Solvent closures (members’ voluntary liquidations and dissolutions) are not in these statistics.
Industry (12 months to July 2026; excludes non-trading / dormant / unknown): Construction 3,841 (17%); Wholesale and retail trade 3,422 (15%); Accommodation and food service 3,221 (14%); Administrative and support service 2,212 (10%); Professional, scientific and technical 1,909 (8%); Manufacturing 1,858 (8%).
Scotland July 2026 (HTTP 200): 83 company insolvencies (46 CVLs / 31 compulsory / 6 administrations); 12-month rate 49.4 per 10,000.
Northern Ireland July 2026 (HTTP 200): 16 company insolvencies (3 compulsory / 11 CVLs / 1 CVA / 1 administration); 12-month rate 41.0 per 10,000.
December 2025 annual commentary (HTTP 200): England and Wales 23,938 registered company insolvencies in 2025 (18,525 CVLs / 3,730 compulsory / 1,495 administrations / 186 CVAs / 2 receiverships); similar to 2024; rate 52.5 per 10,000 (one in 190) for the year.
Moratoriums / restructuring plans (Corporate Insolvency and Governance Act 2020): five moratoriums and two restructuring plans in England and Wales in July 2026; cumulative 26 June 2020 to 31 July 2026: 83 moratoriums / 62 restructuring plans (England and Wales).
These sit next to earlier Market discovery filings (HMRC Corporation Tax Statistics; HMRC VAT annual statistics; HMRC R&D Tax Credits; HMRC EIS/SEIS; DBT BPE; ONS demography; LSB sector size; CH register activities; ONS industry size; SIC neighbours). Formal insolvency procedure counts are checkable. They are not who FYJ is for. Not a path.

What does not stand

A July 2026 count of 1,931 England and Wales insolvencies, a 50.3 per 10,000 rolling rate, a 2025 annual total of 23,938, or Scotland / Northern Ireland monthly counts is not a FYJ market path.
Naming “companies entering CVL”, “construction firms in insolvency”, or “insolvent companies” is not naming a FYJ customer.
This is a different source from the 27 Aug 04:55 Companies House register-activities dissolutions bulletin and from the 27 Aug 17:55 IA 1986 reserved-appointment risk pass. This hour is the Insolvency Service company-insolvency statistics themselves.
LSNI (22:55), ICO fee (21:55), IR35 / CEST (20:55), AAT licensed membership (19:55), and HMRC Corporation Tax Statistics (18:55) remain prior filings. This hour does not re-file those pages.
Tide Platform Ltd remains an ACSP identity check, not a FYJ customer.
No candidate this hour has even a partial who / why / how. End-to-end stays missing.

End-to-end test

Who it is for: missing.
Why they would pay: missing.
How FYJ reaches them: missing.
What sits next: missing.
No real public fact this hour filled any of the four. Do not invent the rest. The Insolvency Service pages fill a Market discovery cell (formal insolvency procedure volume next to CH dissolutions and earlier population / receipts maps). They do not fill a path cell.

Value-forming

The Market discovery line stayed thin. Value has not started to form as a FYJ path. An insolvency procedure count and a per-10,000 rate are not a path. Adjacent size / flow maps still leave who / why / how / next empty.

Result

No path named yet. Market discovery stayed thin. P unchanged.

# Market-path research — 28 Aug 2026 23:55 Europe/London Not a P move. No path named. No customer named. Did not re-read Companies House company 16892858. Did not repeat last recon hour: Law Society of Northern Ireland — About the Law Society / Annual Report 2023–2024 / The Solicitor Profession in Northern Ireland brochure / Find a Solicitor / Guidance on using the Solicitor’s Directory / Using a Solicitor / FAQs / NISRA Legal Services Agency NI Annual Statistics March 2025. Also did not repeat: ICO data protection fee / register / register of fee payers / self-assessment / fixed penalties; GOV.UK / HMRC Understanding off-payroll working (IR35) / CEST / Deemed employer / Off-payroll working for clients / ESM10006A; AAT licensed-membership / growth / Find an accountant or bookkeeper / FRC Key Facts 2025; HMRC Corporation Tax Statistics 2025 collection / commentary / background; Law Society of Scotland AGM / trainee statistics / Find a Solicitor; Companies House late filing penalties / ECCTA financial penalties; ICAS Regulation Strategy / Starting up in practice / 2026 AML Declaration / Find a CA; HMRC Annual UK VAT statistics 2024 to 2025; CIOT / ATT Find a Member; Making Tax Digital for Income Tax; ICAEW probate / oaths; Help to Grow / Growth Guarantee; HMRC Trust Registration Service; Innovate UK / UKRI / Smart Grants / Apply for innovation funding; ACCA Report on Regulation / Find an accountant; HMRC R&D Tax Credits Statistics September 2025; Faculty Office / Master of the Faculties notaries; confirmation statement / accounts / Corporation Tax deadline pages; HMRC tax-adviser ASA / MMTAR; VAT / PAYE employer pages; HMRC EIS/SEIS 2026; Start Up Loans; OPBAS; CLSB Costs Lawyer; DBT BPE 2025; ACRA / CGIUKI; Insolvency Act 1986 s.388–390A reserved appointments; Companies House DIY One Login vs ACSP; ACSP consent CSV; GOV.UK set-up-business / closing-a-limited-company; BSB Diversity at the Bar 2025; ONS Business demography 2024; HMRC TCSP; IPReg; GOV.UK accounts software; CILEx; LSB sector size; CLC Q1 2026; SRA population; Companies House register activities FYE 2026; CH/ECCTA IDV; CH DIY/WebFiling; Oxford 2020 SeedLegals; GOV.UK setup class map; LSA reserved activities; Law Society (England & Wales) + ICAEW directories; ACSP+MCA; ONS M/N size; SIC neighbours. Area: Market discovery. Verdict: stayed thin. P unchanged. ## Searched Prefer Market discovery this hour (last filed 28 Aug 18:55 HMRC Corporation Tax Statistics 2025) after Competitor mapping filled at 22:55 with Law Society of Northern Ireland. Unused official source: The Insolvency Service Company insolvencies July 2026 release (collection page, July 2026 commentary, December 2025 annual commentary, Insolvency Service organisation page). Formal insolvency procedure counts and rates — different from Companies House register-activities dissolutions (27 Aug 04:55) and from the IA 1986 reserved-appointment risk constraint (27 Aug 17:55). Not another Competitor mapping regulator headcount (LSNI filled that at 22:55). Not another Risk reduction fee or AML overlay (ICO filled that at 21:55). Not another Market scenarios contractor-intermediary fork (IR35 filled that at 20:55). Not another Companies in the space practice lane (AAT filled that at 19:55). - Company insolvencies, July 2026 (collection): https://www.gov.uk/government/statistics/company-insolvencies-july-2026 — HTTP 200 - Commentary - Company Insolvency Statistics July 2026: https://www.gov.uk/government/statistics/company-insolvencies-july-2026/commentary-company-insolvency-statistics-july-2026 — HTTP 200 - Commentary - Company Insolvency Statistics December 2025 (annual): https://www.gov.uk/government/statistics/company-insolvencies-december-2025/commentary-company-insolvency-statistics-december-2025 — HTTP 200 - Company insolvency statistics releases (collection): https://www.gov.uk/government/collections/company-insolvency-statistics-releases — HTTP 200 - The Insolvency Service (organisation): https://www.gov.uk/government/organisations/insolvency-service — HTTP 200 Did not treat “companies entering CVL”, “compulsory liquidations”, “administrations”, “Scotland insolvencies”, or “Northern Ireland insolvencies” as a FYJ customer. Did not invent a “FYJ helps insolvent companies” product. Did not ask for a forbidden-market list. The 27 Aug 04:55 Companies House register-activities dissolutions pass and the 27 Aug 17:55 IA 1986 reserved-appointment pass were not re-opened as the same pages; this hour is the Insolvency Service monthly / annual company-insolvency statistics themselves. ## What stands - July 2026 commentary (HTTP 200; published 18 August 2026; accredited official statistics): England and Wales registered company insolvencies 1,931 in July 2026 — 5% higher than June 2026 (1,847) and 5% lower than July 2025 (2,031). Breakdown: 288 compulsory liquidations; 1,497 creditors’ voluntary liquidations (CVLs); 124 administrations; 22 company voluntary arrangements (CVAs); no receivership appointments. CVLs were 78% of July 2026 insolvencies. Twelve-month rolling rate to 31 July 2026: 50.3 per 10,000 companies on the effective register (one in 199), down from 52.5 per 10,000 in the 12 months ending 31 July 2025. Peak rate in the 2008–09 recession was 113.1 per 10,000; the register has more than doubled since then. Solvent closures (members’ voluntary liquidations and dissolutions) are not in these statistics. - Industry (12 months to July 2026; excludes non-trading / dormant / unknown): Construction 3,841 (17%); Wholesale and retail trade 3,422 (15%); Accommodation and food service 3,221 (14%); Administrative and support service 2,212 (10%); Professional, scientific and technical 1,909 (8%); Manufacturing 1,858 (8%). - Scotland July 2026 (HTTP 200): 83 company insolvencies (46 CVLs / 31 compulsory / 6 administrations); 12-month rate 49.4 per 10,000. - Northern Ireland July 2026 (HTTP 200): 16 company insolvencies (3 compulsory / 11 CVLs / 1 CVA / 1 administration); 12-month rate 41.0 per 10,000. - December 2025 annual commentary (HTTP 200): England and Wales 23,938 registered company insolvencies in 2025 (18,525 CVLs / 3,730 compulsory / 1,495 administrations / 186 CVAs / 2 receiverships); similar to 2024; rate 52.5 per 10,000 (one in 190) for the year. - Moratoriums / restructuring plans (Corporate Insolvency and Governance Act 2020): five moratoriums and two restructuring plans in England and Wales in July 2026; cumulative 26 June 2020 to 31 July 2026: 83 moratoriums / 62 restructuring plans (England and Wales). - These sit next to earlier Market discovery filings (HMRC Corporation Tax Statistics; HMRC VAT annual statistics; HMRC R&D Tax Credits; HMRC EIS/SEIS; DBT BPE; ONS demography; LSB sector size; CH register activities; ONS industry size; SIC neighbours). Formal insolvency procedure counts are checkable. They are not who FYJ is for. Not a path. ## What does not stand - A July 2026 count of 1,931 England and Wales insolvencies, a 50.3 per 10,000 rolling rate, a 2025 annual total of 23,938, or Scotland / Northern Ireland monthly counts is not a FYJ market path. - Naming “companies entering CVL”, “construction firms in insolvency”, or “insolvent companies” is not naming a FYJ customer. - This is a different source from the 27 Aug 04:55 Companies House register-activities dissolutions bulletin and from the 27 Aug 17:55 IA 1986 reserved-appointment risk pass. This hour is the Insolvency Service company-insolvency statistics themselves. - LSNI (22:55), ICO fee (21:55), IR35 / CEST (20:55), AAT licensed membership (19:55), and HMRC Corporation Tax Statistics (18:55) remain prior filings. This hour does not re-file those pages. - Tide Platform Ltd remains an ACSP identity check, not a FYJ customer. - No candidate this hour has even a partial who / why / how. End-to-end stays missing. ## End-to-end test - Who it is for: missing. - Why they would pay: missing. - How FYJ reaches them: missing. - What sits next: missing. No real public fact this hour filled any of the four. Do not invent the rest. The Insolvency Service pages fill a Market discovery cell (formal insolvency procedure volume next to CH dissolutions and earlier population / receipts maps). They do not fill a path cell. ## Value-forming The Market discovery line stayed thin. Value has not started to form as a FYJ path. An insolvency procedure count and a per-10,000 rate are not a path. Adjacent size / flow maps still leave who / why / how / next empty. ## Result No path named yet. Market discovery stayed thin. P unchanged.