The August 2025 individual insolvency stats opens new window for England and Wales have been published by The Insolvency Service, together with related figures for Scotland and Northern Ireland.
Individual insolvency statistics for England and Wales – August 2025
In August 2025, 11,348 individuals entered insolvency in England & Wales. This was 7% higher than in July 2025 and 16% higher than in August 2024. The total amount of individual insolvencies consisted of:
- 6,487 individual voluntary arrangements (IVAs)
- 4,239 debt relief orders (DROs)
- 622 bankruptcies
IVAs
The number of IVAs was 8% higher than in July 2025 and 27% higher than August 2024 after seasonal adjustment. IVA numbers in 2024 and the first eight months of 2025 were slightly higher than in 2023 but lower than during 2022, which saw a record high annual number.
DROs
The number of DROs in August 2025 was 5% higher than in July 2025 and 88% higher than the long-term (2015 to 2024) monthly average.
Bankruptcies
The number of bankruptcies in August 2025 was 1% higher than in July 2025 and 2% higher than in August 2024. Bankruptcy numbers have declined since 2009 and fell further during the COVID-19 pandemic.
Bankruptcies in August 2025 consisted of:
- 484 resulting from debtors’ applications, which was 6% higher than July 2025 and 9% higher than August 2024.
- 138 resulting from creditors’ petitions, which was 13% lower than in July 2025 and 16% lower than in August 2024.
Individual insolvency statistics for Scotland – Q2 2025
The Accountant in Bankruptcy (AiB), Scotland’s Insolvency Service, administers individual insolvency in Scotland. The AiB produces individual insolvency statistics on a quarterly basis. Therefore, the numbers in this section are updated once every three months only.
In Q2 2025, there were 1,935 individual insolvencies in Scotland, which was 6% lower than in the same quarter of 2024. The individual insolvencies were comprised of:
- 1,196 protected trust deeds
- 739 sequestrations (of which 400 went into bankruptcy via the minimal asset process route)
Individual insolvency statistics for Northern Ireland – August 2025
In Northern Ireland in August 2025, there were 134 individual insolvencies, which was 49% higher than in August 2024. Of the total individual insolvencies, there were:
- 109 IVAs
- 6 bankruptcies
- 19 DROs
Please note, individual insolvency in Northern Ireland is governed by separate, but broadly similar, legislation to England and Wales, and so figures are presented separately.
Where can I see insolvency notices in The Gazette?
The Gazette is the primary source of both corporate insolvency and personal insolvency information in the UK and publishes this information in the form of insolvency notices, allowing transparency for the public, the credit industry and concerned individuals to quantify risk and inform creditors. You can view all corporate and personal insolvency notices on The Gazette website.
The Gazette also provides a Data Service which provides timely official company, insolvency and deceased estates information to aid data driven decision-making. As the UK’s official public record, our authorised data can help your business with:
- KYC/due diligence
- risk management
- regulatory compliance
- business development
- business intelligence and strategy
For more information on The Gazette Data Service, contact the team on 01603 985949, email data@thegazette.co.uk or click on the link below.
Next insolvency statistics release
Figures for August 2025 will be released on 17 October 2025.
You can see all personal insolvency notices in The Gazette.
See also
Company insolvency statistics – August 2025
Individual insolvency statistics - July 2025
Find out more
Individual Insolvency Statistics August 2025 opens new window (GOV.UK)
The Insolvency Service opens new window (GOV.UK)
Accountant in Bankruptcy opens new window (AiB)
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Publication date
19 September 2025