Thanks for the replies - yep, second posting on broadly the same topic - the first raised more questions than answers!
I have no personal guarantee - the start up loan is with BoI and was a product that they had (which they don't offer any more) which didn't require any personal guarantee. The repayment of that loan is too high for me to cover from our personal finances (€1500 approx) each month and they won't restructure it to a more managable amount unless I sign a personal guarantee. Not one person I've asked for advice has recommended that I sign the guarantee. I don't want to fall out with the bank because we've had a great relationship to this point and I am being competely up front with them about the guarantee and the position that I'm in, so selling the company could be a good option, but I've no clue where to start and is anyone buying? If I strike the company off, that will be the end of it and there's no ressurecting it, but no ongoing filing etc to be done is that right? The final option of putting it into a dormant state for a few years while our circumstances change is also appealing because I really love the company and would love to try again, but what are the implications for the bank and our ongoing relationship in that circumstance?
Thanks for all of your replies - they really do help!