Hope you recover fully Simon and get back to normal. I've been through a similar situation and know what it's like. It was Eva's health and my being locked out of our bank accounts that screwed us.
Do you have anyone else you can trust the financial side to?
As for VAT, well that's tough given the margins many sites work on. 20% of 1/2 the sales is 10% of the turnover.
That would send a lot of sites down.