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What is required for company to be declared bankrupt?

at the beginning of the quarter (1st January, 1st April, 1st July, 1st October) have negative bank balance, 3 quarters in a row.

Quite simple to avoid: just take out a(nother) loan

I think, this model should be rethought.

there is a limit to the loan, you know...

nevermind, moved this post contents to suggestions