Due diligence is where an abstract price becomes a real one. And in an owner-managed business it turns up the same handful of things with remarkable consistency — all of which are far cheaper to fix before a buyer finds them than to concede on afterwards.
What Is Asked For, and What Turns Up
The scope is broad: corporate matters — constitution, share capital, shareholder arrangements, registers and filings; contracts, especially anything with change-of-control, assignment or exclusivity provisions; property, owned or leased, and the assignment terms of any lease; employees, their terms, service, benefits and any live issues; intellectual property, including whether the company actually owns its own brand, software licences and domains; litigation, live or threatened; regulatory matters, licences and insurance. What it finds in an Irish SME is depressingly predictable: key customer relationships with no written contract, or contracts expired years ago and running on by habit. A lease with little time left or restrictions on assignment. IP, domains or licences in an individual’s name rather than the company’s. Registers and filings out of date. Employment terms never issued in writing, or contractor arrangements that look a good deal like employment. Shareholder arrangements agreed verbally a decade ago. And personal guarantees the owner had forgotten. None of it is unusual. All of it is findable in advance.
How Findings Change the Deal — and How to Prepare
Three outcomes, and each transfers risk back to the seller. The price drops, where the finding reduces what is actually being bought. A retention or indemnity appears, where the buyer will not carry a quantifiable risk — money held back on completion, or a specific promise to reimburse if the risk crystallises. Or the warranties expand, where the buyer wants the seller to stand personally behind something that cannot be verified. Preparation is the answer to all three, and it means assembling the material before going to market rather than under time pressure inside an exclusivity period: constitution, register and filings current; written contracts with key customers and suppliers; the lease read properly with the assignment provisions identified; written employment terms; confirmation that IP, domains and licences sit with the company; a schedule of guarantees, charges and finance. Then the item sellers resist and should not: an honest list of what a buyer will find that you would rather they did not. Raising it yourself is a materially stronger position than being found out — and it becomes proper disclosure, which is what limits your warranty exposure. A matter not disclosed is a matter you have effectively warranted against.
Want to Know What They Will Find?
The readiness check runs the same questions a buyer's solicitor will ask, and produces a gap list ordered by what will delay the deal or reduce the price.
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