A CCJ against your company
A County Court Judgment, or CCJ, against your company is a court order confirming that the company owes a creditor a specific sum, usually obtained when an invoice or debt has gone unpaid and undisputed. It damages the company's credit profile and it is a stepping stone to enforcement. If you cannot pay, take advice early rather than letting enforcement escalate. Registry Trust; gov.uk
- What it is
- A court order confirming the company owes a debt
- Recorded by
- Registry Trust, the official judgment registrar
- Effect
- Damages credit; opens the door to enforcement
- Warning sign
- Multiple CCJs often precede company failure
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Why a CCJ matters
CCJs are recorded on the public register kept by Registry Trust, so a judgment can tighten supplier terms and make borrowing harder. A single CCJ is a clear signal that the company's cash flow needs attention, and several CCJs often appear in the months before a company fails.
A CCJ is a stepping stone, not the end
After a judgment a creditor can instruct enforcement agents to take control of goods, apply for a charging order or, for company debts, move towards a winding-up petition. If the company cannot pay, deal with it before enforcement, and check your overall position with the insolvency tests.
Common questions
Can a company get a CCJ removed?
If the judgment debt is paid in full within one month it can be removed from the register; if paid later it is marked satisfied. A CCJ can also be set aside in limited circumstances, for example if it was wrongly obtained.