This site provides general information only and does not constitute legal, financial, or professional advice.

Important: This guidance relates to company insolvency in England and Wales.

Do directors have to pay company debts?

General

Are directors personally liable for company debts?

In most cases, no. A limited company is a separate legal entity.

When liability can arise

Directors may become personally liable if:

  • They give personal guarantees
  • They trade while insolvent
  • They engage in wrongful or fraudulent trading

What directors should do

  • Understand financial position early
  • Avoid worsening creditor position
  • Take professional advice

Related guidance

  • /guides/directors-duties-insolvency
  • /guides/wrongful-trading