Business Misgivings Opinions Needed

bbMy O/H has struggled to find work the last couple of years. Last PAYE job was for a Ltd Co that went bust (owed him wages). Story was, they'd bought out a couple of rivals, over-committed, were always chasing their tail cash-wise, and it went pear-shaped. The couple are heavily in debt as they financed the company expansion via personal loans/credit cards/personal HP agreements. The Ltd Co will probably be dealt with by hmrc.
O/H had no prospect of another job. The couple had only ever done this kind of work (seemed like ok desperate people). Me and O/H thought maybe the same type of business had a chance without the original heavy debts. So we set up a new company, each of the four having an equal shareholding. The other three worked full-time for the business, I put up some cash to get it going. Some of the cash went toward paying suppliers (old company) as we would need them plus the local goodwill, rest went as a float. Twelve months on apparently they've made a small profit.
My problem/concerns
- one of the individuals (from couple) now only works 50% for company but receives same money. She needed the alternative part-time job as broke and needed the regularity of the other income. She did the paperwork/monitored bank - this has slipped. If I kick off, they say they can't manage without the extra-they really are up to their neck in debt. I understand but it's not on. (the three get £800 pm from company as wage/dividend, I get nothing as don't work there)
-At beginning I noticed personal stuff from them going through business account (debit card). They showed it was temp & had been repaid. I told them to stop - business account is purely for business, they agreed. Just noticed more stuff this December & January. Haven't checked it's been repaid but whether it has or hasn't, they accepted they wouldn't do it.
- Business is 80% accounts & 20% cash. I don't think the cash stacks up but not 100% sure. I'm nervous about their opportunity to divert cash. I don't think they are dishonest but .....
- They have the debit card/cashpoint card. Ijust see loads of withdrawals but can't be sure without checking receipts.
- My O/H is crap with paperwork. He (and me) relies on them running things properly. If I ask O/H a question he gets defensive and shouts because a)I think he's worried to death it's going down the drain b) he doesn't know the answers and KNOWS he should. Hence defensive.
- I've had to bail them out three times with cash (all repaid).They are not on top of the cash/bank enough for my liking eg use the debit card which puts us overdrawn, post a cheque before the funds are there. Always it's ''it would have been alright if X had paid on time''. I'm just not like that, you don't spend what you don't have, a clash of outlooks if you like, I think you can't be cavalier with a business bank account - it's why I made the now repaid loans, to stop an unauthorised overdraft.
- i've just had to make another loan (funds weren't there to cover tax cheque) - worried I might not get this back.

I've just realised my devious plan is, sit tight, pray they get in enough/last long enough to repay me the latest loan. Then read them the riot act. I can't afford to upset the apple cart until I get that money back.

Tell me I'm not mad - this situation stinks ?

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