Ukutshona kweshishini kuyaqhubeka ukunyuka e-UK, kubeka isoyikiso esithile kumashishini amancinci naphakathi (SMEs). Kodwa kukho ingxaki eyongeziweyo xa iqabane lakho leshishini lingenamali, njengoko oku kunokuchaphazela inkampani yakho. Apha sijonga indlela onokuhlangabezana ngayo nale meko kunye nendlela yokunciphisa ifuthe lokutshona.
Yintoni ukutshona kweshishini?
Xa ishishini linempahla eyaneleyo yokuhlawula amatyala alo, okanye lingakwazi ukuhlawula amatyala alo xa kuyimfuneko, liyatshona. Luxanduva lwabalawuli ukwazi ukuba ngaba inkampani iyarhweba ngexa ingenamali na, kwaye banokuthwaliswa uxanduva ngokusemthethweni lokurhweba ngeli xesha ukule meko (oku kubizwa ngokuba “kurhwebo olugwenxa”).
Inkampani engakwaziyo ukuhlawula amatyala inokhetho oluninzi lokusingatha ukutshona, njengoko kuchaziwe kuMthetho wokuTyala ka-1986.
Ezintathu kwezi zikhetho zivumela ukuhlangulwa okunokwenzeka kwenkampani okanye ishishini layo:
- ulawulo
- Ulungiselelo lwenkampani ngokuzithandela (iiCVAs)
- ulwamkelo lolawulo
Ezinye iinketho ezimbini zithetha ukuba inkampani kufuneka iyeke ukurhweba:
- ukupheliswa okunyanzelekileyo
- ukupheliswa kwabatyalwayo ngokuzithandela (CVL)
Ukungahlawulwa kwemali e-UK: imeko yokudlala ngo-2024
Kwi-2023, bekukho i-25,158 ye-insolvency yenkampani e-UK, inani eliphezulu ukususela ngo-1993. Ngokudabukisayo, ukunyuka okunyukayo kubonisa ukuba akukho zimpawu zokunciphisa ngo-2024: izibalo zamva nje zikarhulumente zibonisa ukuba ukubhaliswa kweenkampani ezibhalisiweyo eNgilani naseWales ngoJuni 2024 kwakungaphezulu kwe-16% ngaphezu kwe-2024 ka-Meyi 17 ngo-Meyi 2023 ngonyaka. Inani lokutshona kweenkampani lihleli liphezulu kakhulu kunexesha lobhubhani we-COVID-19 naphakathi kuka-2014 no-2019.
Ii-CVLs zibalele umyinge wama-79% wabo bonke abatshonileyo kwiinkampani ngoJuni ka-2024. Ukubhangiswa okunyanzelekileyo kunyuke nge-10% kwangale nyanga inye, iiCVA ngama-21% kunye nolawulo ngama-30%. Ukufumana ulawulo ngoku kunqabile kwaye akukho matyala ngoJuni ka-2024, kwaye amatyala amabini kuphela arekhodwa kwiinyanga ezilishumi elinesibini ezikhokelela kulo mhla.
Izinga eliphezulu lenzala, ukunyuka kwamaxabiso, ukunyuka kweendleko kunye nokuphelelwa yithemba kwabathengi konke kube negalelo kubume bezoqoqosho obungumngeni. Uninzi lwamashishini abona ukunyuka kwamanani okutshona kwenkampani kwiinyanga ze-12 ukuya kuMeyi 2024. Amashishini amahlanu aphezulu anelona nani liphezulu lokutshona kwaba ulwakhiwo (17% yamatyala), urhwebo lwevenkile kunye norhwebo (16% yamatyala), indawo yokuhlala kunye nemisebenzi yenkonzo yokutya (15% yamatyala), imisebenzi yenkonzo yolawulo kunye nenkxaso (i-10% yamatyala kunye nobugcisa) kunye nemisebenzi yenkonzo yezenzululwazi (8% yamatyala kunye nobugcisa).
Indlela yokuxelela ukuba inkampani yeqabane lakho isemngciphekweni wokutshona
Akusoloko kulula ukuxela kwangaphambili ukuba iqabane lakho leshishini lisemngciphekweni wokutshona. Nangona kunjalo, kukho imiqondiso embalwa ekufuneka uyilumkele:
- Utshintsho kwindlela yokuhlawula (izicelo zokurhoxiswa kweentlawulo, ukucela ukuhlawula ngezavenge okanye imiqathango yokuhlawula kwangoko kwizinto ezifunyenweyo zeqabane)
- Ukuhla komgangatho weempahla okanye iinkonzo ezizisiweyo
- imihla ebekiweyo engathembekanga
- Ukwanda kokugxothwa kwabasebenzi
Ukuba ukrokrela ukuba kukho ingxaki, qhagamshelana nenkampani yakho yeqabane ngokukhawuleza. Ukuba ukukrokrelana kwakho kuqinisekisiwe, fumana ukuba ngoobani abalawuli abamiselweyo kwaye ubaxelele ukuba ungumbolekisi. Kufuneka ube nakho ukungqina ibango lakho, nokuba lixabiso lemali okanye lilungelo lokufumana imveliso okanye inkonzo: ukuba awukwazi ukungqina oku, usengozini yokuphulukana nebango lakho.
Isitshixo kule meko lunxibelelwano: kunye nenkampani iqabane lakho, abalawuli, kwaye ngokuqinisekileyo abathengi bakho kunye nababoneleli. Fumana kangangoko malunga nale meko kwaye ufumane iingcebiso ezifanelekileyo zomthetho.
Qinisekisa ukuba awunikezeli naziphi na iimpahla okanye iinkonzo kwinkampani yeqabane lakho, ngaphandle kokuba yintlawulo ekuhanjisweni. Kuya kufuneka ulungiselele oku kunye nabalawuli. Khumbula ukuba ukuba inkampani yeqabane ingena kulawulo, akunakwenzeka ukuba ufumane nayiphi na imali.
Ukulawula ukutshona kweqabane
Nangona iinkampani ezibonakala ziphumelele zinokungena kulawulo, kukho imilinganiselo onokuthi uyithathe ukujonga ukusebenza kwamaqabane akho anokubakho.
- Yenza igatya lokugcinwa kwesihloko (ROT) kwikhontrakthi yakho yokubonelela. Oku kuthetha ukuba usengumnikazi weempahla de zibe zihlawulwe, kwaye kuxhaphakile kwiikontraka kushishino lokuthengisa. Kububulumko ukuba eli gatya liqulunqwe ligqwetha ukuqinisekisa ukuba lisemthethweni.
- Sebenzisa isixhobo sokulinganisa ngetyala esifana ne-Experian okanye i-Creditsafe ukujonga impilo yezemali yenkampani yeqabane lakho.
- Thatha i-inshurensi yekhredithi yorhwebo, ekukhusela kumngcipheko wokungahlawulelwa iimpahla okanye iinkonzo ozithengisayo.
- Xa useka ubambiswano, yenza isivumelwano esibhaliweyo sentsebenziswano. Nangona kungafunwa ngumthetho, ngaphandle komnye ubambiswano lwakho luya kulawulwa nguMthetho weNtsebenziswano we-1890, othi onke amaqabane anolawulo olulinganayo kunye nobunini bempahla, kwaye zonke zithathwa njengemfanelo ngokulinganayo. Oku kuthetha ukuba impazamo yeqabane inokubangela ilahleko enkulu kwinkampani yakho. Isivumelwano sobambiswano sikuvumela ukuba wenze ingxelo ecacileyo yeendima kunye neenjongo, kuquka uxanduva kunye nolawulo lobunini kunye nempahla.
Umthombo ovela i-europages
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