See your real HMRC exposure
Recruitment agencies carry Joint & Several Liability for PAYE, NI and tax across their supply chain. Estimate the exposure HMRC could recover from your agency — and what it costs to protect against it.
Your agency
Adjust the inputs to match your business.
Default 40 — adjust for part-time or shift workers
More umbrellas in your supply chain increases compliance risk
Estimated HMRC liability
£684,684
This represents potential unpaid PAYE, National Insurance, and tax HMRC may recover from your agency.
CRITICAL risk
Your agency is materially exposed. A single umbrella failure could result in a six-figure HMRC recovery.
Hourble cost
£3,600/yr
Based on current pricing for your workforce size.
Exposure vs. protection
190× higher than Hourble
For agencies with similar profiles, exposure typically ranges between £513,513 and £855,855 depending on umbrella structure and worker mix.
Get startedEstimates only. Actual exposure depends on your supply chain.
Breakdown
What is JSL?
HMRC's Joint & Several Liability rules mean recruitment agencies can be held liable for unpaid PAYE anywhere in their labour supply chain — even sub-contractors they don't directly employ.
Why verified timesheets matter
An immutable, biometrically-verified audit trail proves every hour was worked, approved and paid correctly — your defence in any HMRC investigation.
How Hourble helps
Face ID clock-ins, manager approvals, and SHA-256 hashed records create the evidence trail HMRC expects, while removing manual reconciliation.