The accounts:
2022 she had a sizeable £160k cash at bank, I’m guessing as a result of the pandemic/brands being more inclusive post BLM so more work in. She owed out £48k, the majority of which would be tax (corp tax, NI, VAT, etc) as that’s how it tends to be. No way of knowing. Which would suggest a reasonable take home for her, again impossible to tell but high 5 figures/low 6 figure (eg £120k not multiple hundreds of thous!) would be a safe estimate which aligns with her lifestyle too - single person renting a nice flat in a decent area in London, the interiors spending, etc.
Looks as if she then had a shit 2023 and ended up in a reverse ponzi situation where she didn’t have another year of high income to backfill the overspend. If she’d had stayed in line she’d have just had to tighten her purse strings a bit, but it’s snowballed and there’s likely no way to climb out now. The influencer thing is a sinking ship, the economy is fucked, super high interest rates so hopefully she’s not got personal credit card debt on top.
Re HMRC - they can send ppl to prison it’s the one person you do noooot want to owe money to! 🫠