Trusted by Lenders, Banks & Insolvency Practitioners
Strategize. Organise. Secure.
SARNI delivers a private, bespoke business advisory service designed to meet the nuanced needs of today's dynamic enterprises. Our team brings substantial, real-world experience and deep industry knowledge — enabling us to navigate even the most complex challenges with clarity, precision, and confidence.
Est. Asset Specialists
Who We Are
SARNI delivers a private, bespoke business advisory service designed to meet the nuanced needs of today's dynamic enterprises — from asset-based lenders and banks to insolvency practitioners, private equity firms and corporate bodies.
Our team brings substantial, real-world business experience, underpinned by deep industry knowledge and practical insight. This combination enables us to navigate even the most complex and obscure challenges with clarity, precision, and confidence.
Our valuation and advisory services span all asset types — receivables, inventory, machinery & equipment, intangibles and property — across a broad spectrum of industries. We offer a range of sales methods to maximise realisation, and our clients are assured of professional, unbiased advice at all times.
Our Vision: Protecting What Matters — Strategy. Security.
Our People
Every engagement at SARNI is led by a senior advisor with deep, hands-on expertise. We do not pass work to juniors — you deal with the person who knows the answer.
Over 25 years of insolvency and asset recovery experience, having worked across formal appointments, asset-based lending mandates and complex multi-party restructurings for major UK banks and financial institutions.
Specialist in the valuation and disposal of commercial assets across manufacturing, retail and hospitality sectors. Experienced in machinery & equipment, inventory and property — including distressed and time-critical realisations.
Extensive background in HMRC dispute resolution and regulatory investigations, including Contractual Disclosure Facility (CDF) and Code of Practice 9 (COP9) cases. Former HMRC inspector background with deep knowledge of compliance and enforcement.
Specialises in business strategy, organisational restructuring and turnaround management. Extensive experience advising owner-managed businesses and PE-backed groups through periods of financial stress, governance challenges and strategic repositioning.
What We Do
We offer a full range of services for lenders, practitioners and businesses navigating financial complexity — from early advisory through to asset realisation.
Proactive guidance to safeguard stakeholders and explore all viable options before insolvency becomes unavoidable — helping directors act early and decisively.
Strategic debt management, refinancing options, and restructuring plans that preserve value — tailored for lenders, creditors and businesses under financial pressure.
Independent, meticulous assessments of all asset types — receivables, inventory, machinery, intangibles and property — to inform decision-making and stakeholder communications.
Valuation, positioning, and execution of asset sales to maximise value — with a range of sales methods tailored to the circumstances, whether time-critical or not.
Expert assistance with tax compliance, investigations, disputes and remediation strategies — including HMRC's Contractual Disclosure Facility and Code of Practice 9.
Skilled negotiation to protect value, secure favourable terms and preserve business continuity — representing lenders, creditors and businesses in complex financial discussions.
Counsel on personal guarantees — risk assessment, protective measures, and negotiation strategies for principals and directors facing calls on their guarantees.
Practical pathways to resolve conflicts efficiently, mitigate risk and minimise disruption — providing independent, expert perspective in commercial and insolvency disputes.
Aligning vision, structure, and governance to drive sustainable performance — trusted advisory partners providing objective perspective, pragmatic guidance and hands-on support.
Comprehensive planning to set clear objectives, allocate resources and track progress — helping organisations navigate complexity and build towards a sustainable future.
Negotiating favourable terms, renewals, and exit strategies to optimise occupancy costs — managing lease obligations through restructuring, insolvency and business change.
Integrating environmental, social, and governance (ESG) considerations into resilient business models — building sustainable practices that support long-term value and stakeholder confidence.
Thorough review and management of insurance claims, coverage gaps, and recovery strategies — ensuring policyholders and practitioners maximise legitimate recoveries.
Our Capability
We provide valuation and advisory services across a comprehensive range of asset classes and corporate situations.
Case Studies
All case studies are anonymised. They illustrate the complexity of situations we handle and the outcomes we achieve for our clients.
How We Work
A structured, discreet and professional process from first contact through to resolution.
A confidential, no-obligation discussion to understand your situation and objectives.
We assess the assets, liabilities and options available, developing a tailored strategy.
Independent professional valuations and expert guidance on the best course of action.
Managed disposal, negotiation and recovery — maximising value at every stage.
Who We Serve
Our clients range from major financial institutions to owner-managed businesses — we tailor our approach to every mandate.
Common Questions
Answers to the questions we hear most often — covering insolvency options, personal liability, HMRC issues, and what to expect when working with SARNI.
Insights & Commentary
Expert commentary on insolvency, HMRC matters, and the real value of specialist advisory.
June 2026 recorded 18 company insolvencies in Northern Ireland — 28% lower than the same month last year — made up of compulsory liquidations, CVLs and one CVA.
Read Article →While business insolvencies have eased, personal insolvencies in NI jumped 13% year-on-year in June 2026 — a trend driven by rising living costs and persistent mortgage pressures.
Read Article →Q1 2026 saw nearly £71m of commercial property investment in Northern Ireland — almost double Q1 2025 — headlined by the £26m Amazon warehouse deal in Titanic Quarter.
Read Article →The Belfast City Region has gone to market with a £5bn pipeline of housing, regeneration and mixed-use opportunities — signalling a major shift from planning to delivery.
Read Article →Official data shows Northern Ireland's economy grew 0.7% in the first quarter of 2026 — ahead of the UK's 0.6% — with annual output up 3.6% versus just 1.1% nationally.
Read Article →Retail accounted for nearly a quarter of all NI insolvencies in Q1 2026 — 50 cases, almost 50% up on the previous quarter — as consumer spending remained under sustained pressure.
Read Article →REVAL 2026 results have left NI's hotel sector facing an average 63% rates increase — and with pandemic-era rates relief ending in April, operators are warning of widespread closures.
Read Article →After a year of sharp declines in construction starts, the sector is cautiously optimistic for 2026 — with 73% of NI firms reporting positive sentiment, the highest of any UK region.
Read Article →Legal & General's £150m Loftlines scheme at Belfast's Titanic Quarter is nearing completion — delivering 778 homes across social, affordable and private rental tenures.
Read Article →Bank of America is recruiting 1,000 people for its new hub at City Quays 3, underlining Belfast's growing status as a destination for major international financial services operations.
Read Article →Belfast and the wider NI region are increasingly attractive to technology entrepreneurs — with cost advantages, regulatory positioning and maturing digital infrastructure driving fresh inward investment.
Read Article →European property group Lysara acquired an Amazon-leased warehouse in Belfast's Titanic Quarter for £26m in Q1 2026 — the standout deal in a quarter that saw investment nearly double year-on-year.
Read Article →Administrative receivership is one of the most misunderstood insolvency tools. We explain what it means, when it can be used, and how it differs from administration and pre-pack.
Read Article →A pre-pack administration can save jobs and preserve value — but it requires careful handling to satisfy lenders, creditors and regulatory requirements. Here's what NI directors need to know.
Read Article →HMRC's compliance activity continues to increase. We set out what triggers a check, what rights businesses have, and how to protect your position from the moment you receive a letter.
Read Article →June 2026 labour market data shows NI payroll employment at a record 820,800 — up 1.4% year-on-year — with median monthly pay at £2,480, rising 4.9% over the year.
Read Article →When a company faces insolvency, directors' legal duties shift — and failure to act correctly can result in personal liability. We explain your obligations at each stage of financial difficulty.
Read Article →Energy costs, wage inflation, supply chain disruption and high interest rates are squeezing NI businesses from all sides. Early advice can make the difference between recovery and insolvency.
Read Article →REVAL 2026 has delivered major increases across NI's commercial property landscape — with warehouses, offices and hotels facing some of the steepest adjustments in decades.
Read Article →Under rules in force since March 2026, lenders must wait at least 8 months from the start of arrears before taking legal action — giving homeowners more time to find a solution.
Read Article →Free Resources
Practical guides written by our advisors — covering the options available to directors, businesses and individuals facing financial difficulty.
A plain-English overview of all formal and informal insolvency options — administration, CVA, liquidation, pre-pack — with guidance on director duties and timing.
What personal guarantees mean in practice, how lenders enforce them, and the options available when a guarantee has been called — including negotiation strategies.
What to do if you receive an HMRC enquiry, compliance check or COP9 notice — covering your rights, the disclosure process, and how to protect your position.
An overview of valuation methodologies — FLAV, OMV, FMV — and how independent asset valuations protect lenders, IPs and corporate bodies throughout the recovery process.
Client Feedback
What our clients say about working with SARNI.
"SARNI provided an exceptional level of independent advisory during one of the most challenging insolvency appointments we have managed. Their asset knowledge is second to none."
"The team at SARNI dealt with an extremely complex situation involving multiple asset classes across different jurisdictions. Their approach was professional, discreet and delivered real value."
"Outstanding pre-insolvency advisory that helped us restructure our business and avoid formal proceedings altogether. Clear, honest, and commercially astute throughout."
Get in Touch
All enquiries are handled with complete discretion. Our senior advisors are available to discuss your situation and explore what options may be available to you.