Pre-Insolvency & Restructuring Advisory
Ashborne Advisory works with directors, business owners, and individuals facing ATO debt, Director Penalty Notices, and financial distress. We protect what matters. We find the path forward.
The Ashborne Difference
A Director Penalty Notice doesn't mean the end. ATO pressure doesn't mean you must lose everything. What it means is that time matters — and you need the right advice, fast, clear, and confidential.
Ashborne Advisory exists for exactly this moment. We sit between you and the consequences, identify every legitimate option available to you, and help you act decisively before windows close.
Our Services
Specialist advisory for those under financial pressure. Every engagement is confidential, direct, and results-focused.
A DPN is one of the ATO's most powerful weapons against directors personally. We act quickly to identify your options, challenge the notice where possible, and minimise personal exposure.
Learn more →Accumulated tax debt is manageable with the right approach. We negotiate payment plans, interest remissions, and debt compromises directly with the ATO on your behalf.
Learn more →Before formal insolvency becomes necessary, there are often legitimate steps that protect you, your assets, and your future. We identify and map them while options remain open.
Learn more →Compliant, defensible structuring to separate personal exposure from business risk. For those who want to ensure the problem stops at the company door.
Learn more →Who We Help
You've worked hard to build something. The last thing you need is to lose it — or your personal assets — because of a cash flow crisis, a tax dispute, or a notice you didn't see coming.
"We didn't know we had options until Ashborne Advisory sat down with us. Within a week we had a clear plan — and for the first time in months, we could sleep."Business Owner, Construction Industry
Take Action
The sooner you get the right advice, the more options you have. Consultations are strictly confidential and obligation-free.
Our Services
Specialist pre-insolvency advisory for directors, business owners, and individuals facing financial pressure. Practical, confidential, and focused on outcomes.
A Director Penalty Notice means the ATO is seeking to hold you personally liable for your company's unpaid PAYG withholding, GST, or superannuation guarantee charge. The timeframes are short and the consequences of inaction are severe — including personal bankruptcy.
We act immediately: assessing whether the DPN is lockdown or non-lockdown, identifying your 21-day window where it exists, and advising on the full range of responses available to you.
Accumulated tax debt is not automatically a death sentence for your business. The ATO has formal and informal mechanisms for managing debt — including payment plans, interest remission, and in the right circumstances, debt compromise.
We engage the ATO directly on your behalf, presenting a structured case that demonstrates viability, good faith, and a credible path to resolution.
There is often a window before formal processes become inevitable where legitimate, proactive steps can dramatically change the outcome. We identify that window, map your options, and help you move before it closes.
Compliant, defensible structuring to separate personal exposure from business risk. This is properly separating what belongs to the person from what belongs to the business — in ways that hold up and serve long-term goals. Not shortcuts. Not concealment. Proper structure.
Australia's Small Business Restructuring process allows eligible companies to restructure debts while remaining under director control — a powerful alternative to voluntary administration. We advise on eligibility, the restructuring plan, and creditor engagement.
How It Works
Clear, confidential, and built for people who need answers fast.
You speak with an adviser directly. No forms, no waiting. We assess your situation quickly and honestly, and tell you exactly what your options are.
We map every legitimate path available to you — including ones most people don't know exist. Every option is laid out clearly: what it costs, what it achieves, and what it risks.
Once you choose a path, we move with you. We engage the ATO, coordinate with insolvency practitioners where needed, and manage the process so you can focus on your business.
We see every engagement through to a clear resolution — whether that's a payment plan, a restructured business, or a clean exit. We don't walk away when it gets hard.
Get Started
We've seen it before. We know what works. Let's talk through your options in complete confidence.
Who We Help
Ashborne Advisory was built for directors, business owners, and individuals navigating financial distress. We know the landscape, the risks, and how to find a way through.
Our Clients
Tax debt has accumulated and the ATO is now pursuing payment. You need to understand your options before this becomes a personal liability issue.
You've received a DPN. The 21-day window may already be running. You need immediate, clear advice on what it covers and what happens next.
You have concerns that your company may be trading while insolvent. You need to understand your obligations and what steps can be taken now.
The business is under pressure but not yet at breaking point. You want to understand your options and restructure your exposure before a crisis arrives.
We work closely with accounting firms and mortgage brokers whose clients are facing financial distress. If you have a client who needs specialist advice, we're the firm to call.
You're winding down or stepping away. You want to ensure your exit is clean, your obligations are resolved, and you're not carrying liability into the next chapter.
Why Timing Matters
The single most common thing we hear from clients who come to us late: "I wish I had called sooner."
A lockdown DPN leaves you with almost no options. A non-lockdown DPN gives you 21 days. A business heading toward insolvency has legitimate restructuring pathways available before formal processes begin. After the appointment of an administrator, those pathways close.
The advice doesn't have to be complicated. It just has to happen now.
About Ashborne Advisory
Most people in financial distress don't get the right advice at the right time. They get told it's too late, or handed to a process. We built Ashborne Advisory to change that.
Our Story
Ashborne Advisory was founded on a simple insight: the window between financial pressure and formal insolvency is where outcomes are actually decided. But it's also where most people don't have access to clear, specialist advice.
Most accountants don't specialise in this space. Most lawyers focus on litigation rather than prevention. Most insolvency practitioners are engaged after the formal process has begun. That leaves a gap — and it costs directors their businesses, their assets, and sometimes their futures.
We fill that gap. We sit in the pre-insolvency space, working with clients before crisis becomes outcome, giving them the full picture of what's available to them while options still exist.
Our approach is direct. We don't dress up bad news or oversell solutions. We give you the honest picture and help you decide how to act on it.
Every consultation and engagement is strictly confidential. We understand the sensitivity of these situations and treat every client accordingly.
We tell you what we think. No hedging, no unnecessary complexity. You get the honest picture, every time.
We know time is the critical variable. We move quickly and we expect that clients who engage us do too.
We're not here to generate paperwork. We're here to achieve the best possible result for our clients.
How We Work
Formal insolvency is sometimes the right answer. It is never the only answer we consider. We exhaust pre-insolvency options first.
Everything we advise is legal, documented, and defensible. We don't take shortcuts that create larger problems later.
We work closely with accountants, financial advisers, and mortgage brokers who trust us with their most distressed clients.
We respond fast. Consultations within 24 hours. Every day in this space costs options and we treat it that way.
The Ashborne Standard
Success for us isn't billing hours or processing engagements. Success is a client who came to us under pressure and left with a clear plan, protected assets, and a way forward.
We keep our client list small enough that every engagement receives senior attention. We don't hand you off. We don't disappear after the initial advice. We stay until the job is done.
Contact Us
Strictly confidential. No obligation. If you're facing a DPN, ATO pressure, or any financial distress — reach out today. The sooner, the better.
Get in Touch
If your situation is urgent — particularly if you've received a DPN — call us directly. Every contact is treated as confidential from the first interaction.
Legal Disclaimer: The information on this website is general in nature and does not constitute legal advice. Ashborne Advisory provides advisory services and does not provide legal representation. Nothing on this website creates a solicitor-client relationship. All enquiries and consultations are treated as strictly confidential.