Specialist Insolvency · Australia

Navigating Financial Complexity

with clear thinking when business gets hard.

SME Restructuring is a specialist insolvency and corporate restructuring practice led by Ignatius Campos. We administer matters across Australia, handling every engagement, in a direct, fair and understanding manner.

100%
Independent & Registered with ASIC, CAANZ, ARITA & AIIP
AU-wide coverage
Engagements across all states and territories
Principal-led
Innovating the future of the insolvency regime with integrity and accountability

About the firm

A growing firm built on experienced judgement.

SME Restructuring is an energetic and growing practice purpose-built to administer insolvency matters with care, transparency, integrity & clarity. Under the leadership of Ignatius Campos, the firm delivers insolvency expertise with the responsiveness and care that directors, creditors and stakeholders deserve. Ignatius founded SME Restructuring with a clear purpose: to bring pragmatic expertise and genuine personal engagement to every insolvency and restructuring matter, regardless of size or complexity. Having worked across a range of corporate insolvency engagements, Ignatius brings a commercial, solutions-oriented mindset to every appointment to give people the facts, the options, and a recommendation — so that every stakeholder impacted can make an informed decision.

Registered Liquidator — ASIC
Member — Chartered Accountants Australia & New Zealand (CAANZ)
Member — Australian Restructuring Insolvency & Turnaround Association (ARITA)
Member — Association of Independent Insolvency Practicioners (AIIP)
Practices across all Australian jurisdictions
Direct
Fair
Understanding
Independent

Services

Specialist appointments and advisory

Insolvency affects many people differently. We understand the distinct needs and pressures which is why we offer full-spectrum corporate insolvency and restructuring services for Australian SMEs and their stakeholders.

Voluntary Administration

Independent administration designed to preserve value and create options to maximise the chance of business survival and a better return for creditors.

Liquidation

Court and creditors' voluntary liquidations conducted in plain-language with rigour, transparency and proper investigation whilst recognising the human side of financial distress.

Small Business Restructuring

The simplified SBR process for eligible companies — keep control while restructuring eligible debt.

Advisory - Lender & Insolvency/Restructuring

Prelend & Default secured creditor reviews protecting their interests, pre-insolvency strategy, safe harbour guidance and turnaround advice for companies facing pressure.

Who we help

Specialist advice for every stakeholder.

Insolvency touches many people differently. We understand the distinct needs and pressures of each party involved.

You're a director facing financial difficulty.

The moment a company can no longer pay its debts, directors face personal legal exposure. Acting early and taking proper advice is the single most important thing you can do to protect yourself and preserve options for the business.

01
Voluntary Administration
A supervised process that pauses creditor actions and creates space to restructure the business or execute a deed of company arrangement (DOCA) to allow it to continue, employ and provide a better return to its stakeholders than a liquidation.
02
Small Business Restructuring (SBR)
The streamlined regime allowing directors to retain control of normal operations while a restructuring plan is developed and put to creditors.
03
Liquidation
When winding up is the best outcome, a liquidation provides an orderly, initiated process that demonstrates good faith and may reduce personal liability exposure.
04
Director Duty Advice
Early, meaningful advice on your duties under the Corporations Act, including insolvent trading provisions, so you can act with confidence. With the right advice at the right time, there are often more options than you realise so that insolvency does not have to mean the end.
Why act now
Day 1
is always better than Day 30.

Early intervention almost always produces better outcomes for all parties and significantly reduces risk to directors personally.

Understand your personal liability exposure under s588G
Identify whether restructuring, DOCA or winding up is the right path
Manage communication with creditors, employees and the ATO
Protect your reputation and future ability to act as a director

Confidential, obligation-free initial discussion with Ignatius.

Book a Consultation

You're owed money by an insolvent company.

As a creditor, your primary interests are maximising recovery and ensuring the administration is conducted properly. We work to communicate clearly, act efficiently, and recover the maximum available for distribution.

01
Transparent Reporting
Regular, plain-language reports on the progress of the administration and the likely outcome for creditors, including realistic dividend forecasts.
02
Asset Recovery & Investigation
Rigorous investigation of company affairs to identify preferential payments, uncommercial transactions and recovery actions against related parties.
03
Creditor Committees
Where appropriate, we facilitate creditor committees to ensure major creditors have genuine input into the conduct of the administration.
04
Proof of Debt Assistance
Guidance on completing and lodging proofs of debt and understanding your entitlements in the priority waterfall under the Corporations Act.
Our commitment to creditors
Fair.
Thorough. Transparent.

Creditors deserve to know what is happening with their money. We keep you informed at every stage.

Timely circular and report distribution
Accessible practitioner
Independent and impartial administration
Recovery-focused investigation of company affairs

Registered creditor in one of our matters? Contact us directly.

Contact Our Office

You hold security over a distressed business or asset.

Secured lenders and financiers need a practitioner who understands commercial realities, moves quickly when needed, and handles realisation of security interests with minimal friction and cost.

01
Receivership, Mortgagee in Possession & Controller Appointments
Appointment as receiver and manager, controller and/or agent for the mortgagee over charged assets to protect and realise security for the benefit of secured creditors, acting under the terms of security agreements, Corporations Act and Real Property Act.
02
PPSR Enforcement
Identifying and enforcing security interests registered on the Personal Property Securities Register, critical in any insolvency where assets have been financed.
03
Pre-appointment Advisory
Investigative Accountant advice to lenders before a loan advance or formal appointment, assessing the borrower's position, security validity, and the most effective enforcement strategy.
04
Business Sale & Asset Realisation
Commercial, efficient sale processes for business assets, real property, plant and equipment, maximising returns while minimising time and cost.
For secured lenders
Speed.
When security is at risk, timing matters.

We move quickly on appointments and communicate promptly with financiers to ensure security is protected from day one.

Rapid appointment and asset protection capability
Experienced in all forms of security enforcement
Clear cost reporting against recoveries
Commercially minded and focused on net return

Discuss a potential appointment with Ignatius in confidence.

Speak to Us Today

You regulate, enforce or have a statutory interest.

Government agencies including ASIC, AFSA, the ATO, Fair Work as well as the Courts rely on insolvency practitioners who comply fully with regulatory requirements, lodge reports promptly and co-operate openly with investigations.

01
ASIC Reporting Obligations
Timely lodgement of all required reports including Report on Company Activities and Property, statutory dividend reports and company dealings under s533 of the Corporations Act.
02
ATO & Priority Creditor Management
Structured, compliant management of ATO claims, SGC entitlements and employee entitlements in accordance with the statutory priority waterfall.
03
Court Appointed Services
Acceptance of court appointed engagements providing statutory and fiduciary duties to the Courts.
04
Regulatory Co-operation
Engagement with ASIC, ATO, AFSA and other regulators.
Regulatory compliance
100%
Compliance with ASIC & ARITA standards.

SME Restructuring operates to the highest professional and regulatory standards, with all practitioners registered with the relevant Commonwealth bodies.

Registered with ASIC as liquidator
Member of CAANZ
Member of ARITA, bound by its Code of Professional Practice
Justice of the Peace
Annual reviews and CPD obligations maintained

For regulatory enquiries or referrals, contact our office directly.

Contact Us

Our approach

Three principles. Every engagement.

01

Direct

Honest assessments delivered without delay in plain-language. We tell you what we see — clearly.

02

Fair

Even-handed treatment of every stakeholder, guided by statutory duty and good practice.

03

Understanding

Insolvency is human. We approach every engagement and treat everyone with absolute respect always.

Speak with us

A confidential, no-obligation conversation.

Whether you're a director facing pressure, a creditor with a question or a lender needing options — we understand the time sensitivities and respond promptly.

0405 894 946 (business hours)
enquiries@smerestructuring.com
Engagements across all Australian states and territories. We travel where it matters!

Submissions are treated as strictly confidential. Initial discussions are without obligation.