How to Check a Builder in NSW: 8 Things to Check Beyond the Licence

If you've already run a NSW builder licence check, you've done the right thing first. Most homeowners stop there. This guide covers how to check a builder in NSW beyond the licence, before you sign or pay a deposit.

What's in this guide

Start with the licence: a builder licence check NSW is the first step; if you haven't already, confirm the builder is licensed first.
Check 1 of 8: How long has the builder been in business? Entity age and trading history, and why a new entity isn't automatically a red flag.
Check 2 of 8: Does the builder have access to mandatory insurance? A builder HBCF check, plus the OJV capacity limit no register shows. Public liability, workers compensation and latent defects insurance are separate checks, covered in a dedicated guide.
Check 3 of 8: Has the builder been subject to any regulatory sanctions? ACCC public warnings and SafeWork NSW prosecutions, separate from the licence register.
Check 4 of 8: Is there a history of disputes or court actions? How to check a builder's NCAT history and other builder court cases, covering both homeowner disputes and creditor actions.
Check 5 of 8: Do the directors have a history with other company insolvencies? Whether this builder, or its directors, has gone broke before: personal bankruptcy, disqualification, and links to other companies that have collapsed.
Check 6 of 8: Is there any history of company insolvency actions? A builder insolvency check: ASIC company status and published notices showing formal insolvency proceedings.
Check 7 of 8: Does the builder have established trade supply arrangements? PPSR security interests and credit bureau trade lines as evidence of supplier relationships.
Check 8 of 8: Does the builder pay their bills on time? A builder credit check: why payment behaviour is one of the strongest early signals available before formal insolvency.

Start with the licence, then keep going

A NSW builder licence check through Service NSW and Verify NSW confirms one thing: whether the person or company in front of you appears currently licensed to contract for the work. It also surfaces one of the most serious public signals available anywhere: non-compliance with a tribunal order, recorded indefinitely on the licence register if a builder was ordered to pay compensation and didn't.

If you haven't run this check yet, start with NSW Builder Licence Check: What to Check Before You Sign or, for other states, How to Check a Builder Licence in Australia Before You Sign.

If you have already chosen a builder, check their licence and basic company information before you sign or pay a deposit.

A current licence is necessary. It is not sufficient. ASIC Series 1 data for FY2025-26 show construction insolvencies remained near record levels. Nationally, 3,472 companies entered external administration or had a controller appointed for the first time, down 3.4% from the record 3,596 in FY2024-25. NSW accounted for 1,540 of those, down 1.7% from 1,567 the year before, but still the highest of any state at 44.4% of the national total. A valid licence does not mean there are no other issues worth knowing about: licensing and financial health are tracked through entirely separate systems, and a current licence says nothing about how close to insolvency a business actually is. A licence check alone is not a background check.

This guide covers the eight questions that come after the licence: business history, insurance, regulatory sanctions, disputes and court actions, director insolvency, company insolvency, trade supply relationships, and payment behaviour. Some have free public answers. Some require more than a register search. A TrustSignal Builder Report answers the licence check and all eight questions below in one place, systematically, for every NSW builder we cover.

Check 1 of 8: How long has the builder been in business?

Why does this matter to you?

You are entering a contract worth tens or hundreds of thousands of dollars. A builder's operational history determines how much public record exists to verify. A very new entity has no track record to assess. A new entity with a familiar director may be continuing a failed business under a different name.

What public registers tell you: ABN Lookup (abr.business.gov.au) shows when the ABN was registered. ASIC Connect (connectonline.asic.gov.au) shows when the company was incorporated. Both are free.

What they don't tell you: Entity age is not the same as trading experience. A company registered six months ago may be run by a director with twenty years in the industry, or it may be a new entity picking up where a previously failed company left off, with the same director, the same phone number, and the same trade contacts.

A young entity warrants closer inspection of the director's history with other companies, not automatic rejection. The question is: why is this entity new?

Check 2 of 8: Does the builder have access to mandatory insurance?

Why does this matter to you?

This is your builder HBCF check. Without HBCF coverage, you have no statutory safety net if the builder becomes insolvent, disappears, or dies mid-project. For contracts over $20,000, the builder cannot legally accept your deposit without a Certificate of Insurance in place.

This check is about HBCF, specifically. It does not cover public liability, workers compensation, or latent defects insurance, each of which protects against a different risk and is checked in a different way. For those, including how to request and verify a Certificate of Currency for each, see Builder Insurance in NSW: What HBCF, PI, and Public Liability Each Cover, and How to Check Them.

Before signing, this check is about the builder's eligibility to obtain cover, not proof that a project-specific certificate already exists, since NSW guidance contemplates the contract being signed before the HBC insurance is purchased, provided the insurance cost is estimated in the contract. The hard legal protection is what happens next: the builder must obtain project-specific HBC cover and give you the Certificate of Insurance when entering the building contract, and in every case before taking a deposit or starting work. Confirming that certificate, specific to your project, is the step to complete before any money changes hands.

What public registers tell you: Pre-contract, the NSW HBC Check portal lets you search the builder's name or licence number to see their eligibility and certificate history, including prior claims paid. Once a contract is signed, the same portal confirms whether a Certificate of Insurance has actually been issued for your specific project and what it covers.

What public registers don't tell you: Whether the builder has OJV (Open Job Value) capacity to take on your project. Each eligible builder has an HBCF capacity limit, the maximum total value of insured projects they can hold at once. A builder at their limit cannot obtain a Certificate of Insurance for your project, regardless of their licence status. This information does not appear on any public register.

For the full two-phase HBCF process, including what to check before signing and after the contract is in place, see How to Verify a Builder's HBCF Insurance in NSW.

Check 3 of 8: Has the builder been subject to any regulatory sanctions?

Why does this matter to you?

Regulatory sanctions sit above commercial disputes. A public warning notice from the ACCC means the regulator considered it in the public interest to warn consumers about alleged conduct. A SafeWork NSW prosecution means a court has found the builder guilty of an offence under work health and safety law. Both signals indicate a pattern of non-compliance that goes beyond a single customer dispute.

What public registers tell you:

The ACCC Public Warning Notice Register (accc.gov.au/public-registers/public-warning-notice-register, free) lists notices issued under section 223 of the Australian Consumer Law. The ACCC may issue a public warning notice where there are reasonable grounds to suspect a contravention of the ACL, actual or likely detriment to consumers, and where issuing a notice is in the public interest. Entries include the entity name, the date of the notice, and a description of the alleged conduct.

SafeWork NSW Prosecutions (safework.nsw.gov.au/compliance-and-prosecutions/prosecutions, free) publishes outcomes of prosecutions brought under the Work Health and Safety Act 2011 (NSW). The register is organised by year and lists the defendant name, conviction date, a description of the incident, the charges, the court, and the penalty imposed. Construction prosecutions are common: scaffold collapses, falls from height, excavation failures, and unsafe plant are recurring categories. A building company that appears on this register has, in that matter, been found guilty and convicted following a prosecution under the Act; the specific charge and penalty are set out in the register entry.

SafeWork NSW also issues improvement notices (requiring specific corrective action within a timeframe) and prohibition notices (stopping dangerous work immediately). A prohibition notice stops the activity covered by the notice until the safety risk is remedied. Depending on its scope, that may stop part or all of the work on a site.

What public registers don't tell you: The ACCC register covers consumer-facing conduct under the ACL but does not capture disciplinary actions by Building Commission NSW or industry bodies, which appear on the Verify NSW licence register (see the licence check above). SafeWork prosecutions cover completed criminal proceedings; improvement and prohibition notices, which are more numerous, are issued administratively and are not centrally published in a searchable register.

Check 4 of 8: Is there a history of disputes or court actions?

Why does this matter to you?

Searching for builder court cases and NCAT history reveals two distinct types of action against a builder, and both matter. The first is disputes brought by homeowners (defect claims, non-completion, contract breaches) which show how a builder has treated prior clients. The second is actions brought by creditors (suppliers, subcontractors, and financiers pursuing unpaid debts) which are among the most reliable early indicators of financial distress. A builder being sued by their own trades is a materially different signal from a builder being sued by a homeowner, and it often appears in the court record months before any formal insolvency proceedings begin.

Homeowner disputes: checking your builder's NCAT history and the courts

What public registers tell you:

The NSW Civil and Administrative Tribunal (NCAT) Consumer and Commercial Division handles residential building disputes generally under $500,000. A selection of decided NCAT cases is published on NSW Caselaw (caselaw.nsw.gov.au). Search using the builder's exact legal entity name. Published decisions include the parties, the outcome, the amount at issue, and the nature of the dispute.

Non-compliance with a tribunal order is the most serious indicator in this category. If a builder was ordered by NCAT to pay compensation to a homeowner and refused, that record appears indefinitely on the Verify NSW licence register (see the licence check above) and may result in licence suspension. The non-compliance entry is the public record of a builder who was found liable and still would not pay.

For higher-value disputes, the NSW District Court generally hears civil claims from $100,001 to $1.25 million (it can hear larger matters in certain circumstances), and the NSW Supreme Court hears claims above that general range. Published decisions from both courts appear on NSW Caselaw and on AustLII (austlii.edu.au), which aggregates published decisions across Australian courts and tribunals.

What public registers don't tell you:

Many NCAT matters are resolved at conciliation before a hearing. Conciliation resolutions leave no public record. A clean NSW Caselaw result means no published decisions exist, not that no disputes have occurred. Unpublished Local Court judgments (where a creditor has obtained a debt recovery order) also do not appear in these databases.

Creditor actions: the more important court signal

Creditor actions (where a supplier, subcontractor, or financier sues the builder for unpaid money) are a more direct indicator of financial stress than homeowner disputes. They show that the people who work with the builder daily have stopped trusting them with credit and escalated to legal recovery.

What public registers tell you:

The NSW Local Court handles debt recovery claims up to $100,000. These proceedings are commonly used by subcontractors and smaller suppliers to recover unpaid invoices from builders. Local Court judgments are not routinely published on NSW Caselaw, but judgment records can be searched at the court registry. Some court orders affecting a builder's personal property, such as orders restricting dealing with an asset, can also be registered on the PPSR (see Check 7 of 8), though a PPSR search is not a complete search for judgments or writs in its own right.

The NSW District Court and Supreme Court handle larger creditor claims. Published decisions from both courts appear on NSW Caselaw. A building company appearing as a defendant in multiple creditor claims, particularly from trade suppliers or subcontractors, warrants close scrutiny.

Corporate winding-up applications may be filed in the Federal Court of Australia or the Supreme Court of NSW. The Federal Circuit and Family Court of Australia's insolvency jurisdiction does not extend to corporate insolvency, so it is not a place to search for these matters. A winding-up application is a formal legal step taken when a creditor believes a company cannot pay its debts and seeks a court order to liquidate it. Federal Court matters are searchable through Federal Law Search, the public case-search facility accessible via the Commonwealth Courts Portal (comcourts.gov.au/public/esearch), by company name. For NSW Supreme Court matters, NSW Caselaw identifies published decisions, but it is not a complete search of proceedings filed with the Court; a more comprehensive search of Supreme Court civil proceedings requires a Civil Litigation Search Report from the Court Registry. This search should be run alongside the ASIC Published Notices check described in Check 6 of 8, as winding-up applications appear in both places: the court filing and the statutory advertisement are separate events and are not always lodged simultaneously.

What public registers don't tell you:

Not all court proceedings result in published decisions. Many debt recovery matters are resolved by consent or default judgment without a published outcome. The Commonwealth Courts Portal shows active and recent matters but may not capture all historical proceedings. A thorough court search requires running NSW Caselaw, AustLII, and the Commonwealth Courts Portal separately, using the builder's exact legal entity name and ACN.

What to search and where

NSW Caselaw (caselaw.nsw.gov.au): NCAT, District Court, and Supreme Court published decisions. Free. Search by entity name.
NSW Supreme Court Civil Litigation Search: Open and closed Supreme Court civil proceedings, including matters that never resulted in a published decision. Fee applies. Search by exact company name.
AustLII (austlii.edu.au): Multi-jurisdiction published decisions including Federal Court. Free. Search by entity name.
Commonwealth Courts Portal / Federal Law Search (comcourts.gov.au/public/esearch): Federal Court winding-up applications and statements of claim. Free. Search by entity name or ACN.
ASIC Published Notices (publishednotices.asic.gov.au): Winding-up applications, orders, external administration appointments, and creditor notices. Free. Search by entity name or ACN.
PPSR (ppsr.gov.au): Registered security interests, and some court orders affecting personal property (such as orders restricting dealing with an asset). $2. Search by ACN.

Run all six for a complete picture. The Commonwealth Courts Portal and ASIC Published Notices together cover the winding-up risk. NSW Caselaw covers homeowner disputes and published Supreme Court decisions, but a fee-based Civil Litigation Search is needed for a complete Supreme Court picture. AustLII fills gaps across jurisdictions. The PPSR is not a complete register of judgments or writs, but it can surface some registered court orders alongside supplier security interests.

Reading what you find

NCAT decision against builder: Builder found liable for defects or non-completion in a decided case.
NCAT non-compliance (on Verify NSW): Builder ordered to compensate a homeowner and refused. The most serious public indicator.
Local Court judgment (creditor): Supplier or subcontractor recovered unpaid debt through court; builder failed to pay a trade creditor.
Winding-up application (Federal Court or NSW Supreme Court): A creditor has formally asked a court to liquidate the builder. Serious financial distress signal.
Registered court order on PPSR: A court order affecting the builder's personal property has been registered, worth investigating alongside a direct court search rather than as a substitute for one.
Multiple creditor actions across courts: Pattern of non-payment to trades. High financial distress risk regardless of licence status.

A single NCAT decision from several years ago with no subsequent activity is a different picture from three active creditor actions in the Federal Court alongside a winding-up application. The volume, recency, and type of proceedings all matter. What you are looking for is a pattern, not an isolated incident.

Check 5 of 8: Do the directors have a history with other company insolvencies?

Why does this matter to you?

Has this builder, or the people behind it, gone broke before? A disqualified director cannot legally manage a corporation. If your builder is being managed by a disqualified director, that is a major governance and legal-risk signal. It does not automatically void your contract, but it raises serious questions about compliance, authority, and business integrity. A director who has personally gone bankrupt, or who has been associated with successive collapsed companies, represents a pattern risk. The pattern is only visible when the director's history is checked across all entities they have controlled, not just the current one.

What public registers tell you: The AFSA National Personal Insolvency Index ($15 per search at services.afsa.gov.au) records personal insolvency proceedings in Australia dating back to August 1928: bankruptcies, debt agreements, and personal insolvency agreements. AFSA describes the NPII as a record of these proceedings rather than an exhaustive history of every insolvency event. The ASIC Banned and Disqualified Register (free) shows whether any director is legally disqualified from managing a corporation.

To run either check, you first need the director names. Director names and company history can be obtained from ASIC searches and extracts, for a fee, at ASIC Connect.

What public registers don't tell you: Whether a director has been associated with multiple failed entities in the same trade. That pattern (same director, successive liquidations) requires cross-referencing the historical extract against insolvency notices across multiple entities, which is time-consuming to do manually. A TrustSignal Builder Report runs this cross-reference automatically: it checks the director's affiliations with other companies and highlights any of those companies that have become insolvent, the pattern a manual AFSA or ASIC search would otherwise take hours to piece together.

For the full process including how to read the results, see How to Check a Builder's Financial Background in NSW.

Check 6 of 8: Is there any history of company insolvency actions?

Why does this matter to you?

This is your builder insolvency check: the step where you check the builder as a company, not just as a licence holder. If your builder enters external administration mid-project, control of the business passes to the external administrator, and your project may pause or stop. Whether work continues depends on the form of appointment and the administrator's decisions; ASIC's own review of finalised deeds of company arrangement found that in around half of cases, the business continued trading. Either way, you become an unsecured creditor, and in most construction insolvencies, unsecured creditors recover very little or nothing. ASIC Published Notices lets you see whether formal proceedings have already started. Financial stress that has not yet reached that threshold is only visible through commercial credit data covered in Check 8 of 8.

What public registers tell you: ASIC company records show the current company status, including whether it is registered, under external administration and/or has a controller appointed, subject to strike-off action, or deregistered. ASIC Published Notices (publishednotices.asic.gov.au, free) lists winding-up applications and orders, external administration appointments, and creditor notices, which appear before or as a company formally collapses. A statutory demand itself is served on the company and is not published there; an application to set aside a statutory demand is a separate court proceeding and can appear in court search results instead.

What public registers don't tell you: A winding-up application or a set-aside application appears only after a creditor has exhausted informal options and escalated to formal legal process. Financial stress that has not yet reached that threshold leaves no public trace. A company can be in serious difficulty, with slow-paying suppliers, disputed subcontractor invoices, and stretched credit lines, without anything appearing on a register. Formal insolvency is a lagging indicator by design: for what that means in practice, and what other information may be available earlier, see Construction Insolvency Is the Final Signal, Not the First.

Check 7 of 8: Does the builder have established trade supply arrangements?

Why does this matter to you?

A builder without settled supplier and subcontractor relationships is a construction risk regardless of their licence status. Material supply delays, unavailable subcontractors, and supplier credit restrictions all translate directly into project delays and cost overruns. A builder who pays their suppliers promptly maintains the relationships needed to keep your project moving.

What public registers tell you: The PPSR (ppsr.gov.au, $2) provides indirect evidence. A PPSR organisation search by the builder's ACN shows every registered security interest against the company's assets. For an active construction business, this typically includes Purchase Money Security Interests (PMSIs) lodged by trade suppliers, including timber merchants, plumbing suppliers, and electrical wholesalers, who retain title over materials until payment is received. Multiple PMSI registrations from recognisable trade suppliers indicate active, ongoing supply relationships. A builder with no PPSR registrations at all may own their equipment outright (a positive sign) or may have no established trade credit lines, a different kind of signal worth exploring.

What commercial credit reports add: Credit bureau trade lines from a credit bureau report reveal the same supplier relationships from a payment perspective: which suppliers are extending trade credit, at what volume, and whether payments are being made on time. A builder with active trade lines across multiple suppliers has established relationships; a builder whose trade lines show slow payment or recent account restrictions may be losing supplier goodwill before anything appears publicly.

There is no public register of subcontractor relationships directly. A builder who cannot name their key subcontractors, or whose usual trades are unwilling to work with them, may be facing supply-side pressure that will not appear anywhere until the project stalls.

Ask the builder directly: who are your key subcontractors and material suppliers, and how long have you worked with them? The PPSR and a credit report provide the data context for evaluating the answer.

Check 8 of 8: Does the builder pay their bills on time?

Why does this matter to you?

Payment behaviour is one of the strongest early indicators of financial distress available before formal insolvency. A builder 90 days overdue to its suppliers has already begun failing its creditors. By the time a court judgment appears in a public register, the situation has typically been deteriorating for months. A commercial credit report surfaces this before it reaches the courts, giving you an early picture that no free register provides.

What public registers tell you: Public signals of payment failure include court judgments on NSW Caselaw and AustLII, winding-up applications and orders on ASIC Published Notices, and PPSR registrations indicating secured-creditor activity ($2 per search at ppsr.gov.au).

What public registers don't tell you: Slow payment that has not yet escalated to formal proceedings. A builder who routinely pays subcontractors 60 days late, disputes invoices to extend terms, or retains money on completion is a poor credit risk, but none of that appears on any register until a creditor takes legal action.

What commercial credit reports add: This is where a builder credit check, run through a commercial credit report, makes the biggest difference. Two data sources not available in any public register:

Average days to pay trade invoices. Credit bureaus aggregate payment timing data from accounting integrations and member networks. A builder consistently paying 60 or 90 days past terms is identifiable before any formal action is taken.
Registered B2B payment defaults. Credit bureaus operate proprietary registries that capture trade payment performance and allow creditors to formally register a qualifying default, typically where an invoice is materially overdue and not in dispute. Payment overdue records generally appear before defaults, which in turn appear before court action. The further a debt progresses through this cycle, the greater the insolvency risk.

Commercial credit reports on companies, unlike consumer credit reports, are openly available for purchase without the company's consent. The Privacy Act's consumer credit reporting provisions apply to individuals, not companies, though the Privacy Act and Australian Privacy Principles can still be relevant where a report includes personal information about the directors behind the business.

The information on a commercial credit report matters, particularly in a market where subcontractor payment disputes are the precursor to the insolvency events described in Check 6 of 8.

What you can find yourself, and what you can't

Most of the public register searches above are free and can be completed in an hour or two. All the relevant registers are linked in one place at TrustSignal Public Registers.

But public registers have a structural limit: they record what has been formally filed. They do not surface a builder's current OJV utilisation, their informal payment behaviour, their subcontractor relationships, or cross-entity patterns that require aggregating multiple sources.

Builder reviews and word-of-mouth referrals sit outside this structural limit in a different way: a glowing recommendation reflects one homeowner's experience, on one project, at one point in time. It says nothing about a director's history with other companies, or about signals that have emerged since that review was written. Reviews are a useful starting point, not a substitute for the checks above; see They Came Highly Recommended: Referral vs Background Check for how the two compare.

A TrustSignal Builder Report answers the licence check and all eight questions above in one place, combining public register data with proprietary datasets to give you a single, structured picture of a builder's background in minutes. For NSW residential building contracts where deposits of $50,000 to $150,000 or more are at stake, that is the level of diligence that matches the risk.

Frequently Asked Questions

Is it free to check a builder's licence in NSW?

Yes. Verify NSW at verify.licence.nsw.gov.au is free, requires no account, and can be searched by name, licence number, ABN, or suburb. See NSW Builder Licence Check: What to Check Before You Sign for the full process.

I've checked the licence. Why isn't that enough?

A licence check confirms the builder appears legally entitled to contract for the work. It does not confirm business history, insurance status for your specific project, regulatory sanctions, dispute history, director or company insolvency signals, trade supply relationships, or payment behaviour. A valid licence does not mean there are no other issues worth knowing about. The licence check is necessary, not sufficient.

How do I check a builder's court cases and NCAT history?

NSW Caselaw (caselaw.nsw.gov.au) and AustLII (austlii.edu.au) publish NCAT, District Court, and Supreme Court decisions, searchable by the builder's exact legal entity name. Not every matter is published: conciliated NCAT outcomes and many Local Court judgments leave no public record. See Check 4 of 8 above for the full search process, including where creditor actions and winding-up applications are filed.

How do I check if a builder has gone broke before?

Two separate checks. AFSA's National Personal Insolvency Index ($15 per search) shows whether a director has personally been bankrupt. ASIC company records show whether other companies linked to the same director have entered external administration. Neither register cross-references the two automatically; see Check 5 of 8 above for how to do it manually, or use a TrustSignal Builder Report, which runs this cross-reference for you.

What if my builder has no HBCF insurance?

For contracts over $20,000, HBCF must be in place before the builder accepts any payment. If coverage is missing, withhold payment and contact Building Commission NSW on 13 32 20 before proceeding.

Is my builder financially stable?

No single public record answers this directly. The combination of ASIC company status, ASIC Published Notices (winding-up applications and orders), NSW Caselaw (court judgments), PPSR (registered security interests and some court orders), and AFSA personal insolvency data provides the most complete public picture. See our financial background check guide for the full process.

How do I run a builder credit check?

A commercial credit report is the main tool: it shows average days to pay trade invoices and any registered B2B payment defaults, neither of which appears on any free public register. Commercial credit reports on companies can be ordered without the company's consent. See Check 8 of 8 above for what a builder credit check does and does not show.

How do I check the company behind my builder?

Start with ASIC Connect, which shows current company status: Registered, Under External Administration, Deregistered, or Under Receivership. ASIC Published Notices adds winding-up applications and orders. Together these confirm whether the company is currently in formal difficulty; see Check 6 of 8 above for what this check does and does not tell you.

Should I trust builder reviews instead of a background check?

Reviews are worth reading, but they reflect one homeowner's experience on one project at one point in time. They do not show director history, court and insolvency signals, or anything that has emerged since the review was posted. Use reviews as a starting point, not a substitute for the checks in this guide; see They Came Highly Recommended: Referral vs Background Check for more.

What should I check before paying a deposit?

If you are looking for how to check a builder before signing, three things must be confirmed first: a current contractor licence (see the licence check above), a Certificate of Insurance for your specific project (Check 2 of 8), and that the deposit does not exceed 10% of the contract price, the legal maximum under the Home Building Act 1989.

What does a TrustSignal Builder Report include?

A TrustSignal Builder Report covers the licence check plus all eight questions above: business history, insurance, regulatory sanctions, disputes, insolvency records, trade supply relationships, and payment behaviour, sourced from public registers and proprietary datasets, delivered in a single structured report. See trustsignal.com.au for details.

Sources: NSW Fair Trading / Building Commission NSW (verify.licence.nsw.gov.au); iCare NSW (icare.nsw.gov.au); ASIC Insolvency Statistics, Series 1 (FY2025-26, published July 2026); AFSA (afsa.gov.au); ABN Lookup (abr.business.gov.au); NSW Caselaw (caselaw.nsw.gov.au); Home Building Act 1989 (NSW); SIRA (sira.nsw.gov.au); PPSR (ppsr.gov.au); ACCC Public Warning Notice Register (accc.gov.au/public-registers/public-warning-notice-register); Australian Consumer Law s223 (Competition and Consumer Act 2010 Sch 2); SafeWork NSW Prosecutions (safework.nsw.gov.au/compliance-and-prosecutions/prosecutions); Work Health and Safety Act 2011 (NSW); CreditorWatch Business Risk Monitor (creditorwatch.com.au); CreditorWatch ATO tax debt disclosures FAQ (creditorwatch.com.au/ato-tax-debt-disclosures-faq); Equifax SwiftCheck (equifax.com.au/swiftcheck); OAIC, credit reporting provisions (oaic.gov.au). Data current as of September 2026.