This is a post on Yorkshire's 2021  accounts . Financially Yorkshire are in a pickle. The accounts disclose there is a "material uncertainty" over whether it will be a going concern in twelve months time. I look at why that is and speculate how likely it is that Yorkshire will go bust..  There are two reasons for Yorkshire's financial pickle.  The first, as you probably guessed, is the fall out from the Azeem Rafiq affair.  To recap, Yorkshire have accepted some of the allegations of racism and bullying are correct and have reached a financial settlement with Rafiq.  They  also sacked 16 members of "staff" and terminated a contract with the physiotherapy company owned by Wayne Morton. (This is a bit confusing, there are statements that 6 of the 16 sacked, were employed by Wayne Morton's company but, if you look at the accounts at Companies House, Morton's company, Pavilion Physiotherapy, only had one employee, Wayne Morton.)  Six of the 16 sacked sta