Individual insolvency statistics - September 2025

The September 2025 individual insolvency stats 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 – September 2025

In September 2025, 11,101 individuals entered insolvency in England & Wales. This was 3% lower than in August 2025, but 7% higher than in September 2024. The total amount of individual insolvencies consisted of:

6,494 individual voluntary arrangements (IVAs)
3,985 debt relief orders (DROs)
622 bankruptcies

IVAs

The number of IVAs was 1% lower than in August 2025, but 9% higher than September 2024 after seasonal adjustment. IVA numbers in 2024 and the first nine months of 2025 were higher than in both 2024 and 2023, but lower than during 2022, which saw a record high annual number.

DROs

The number of DROs in September 2025 was 5% lower than in August 2025 and 77% higher than the long-term (2015 to 2024) monthly average.

Bankruptcies

The number of bankruptcies in September 2025 was 1% lower than in August 2025, but 9% higher than in September 2024. Bankruptcy numbers have declined since 2009 and fell further during the COVID-19 pandemic.

Bankruptcies in September 2025 consisted of:

507 resulting from debtors’ applications, which was 4% higher than August 2025 and 26% higher than September 2024.
115 resulting from creditors’ petitions, which was 18% lower than in August 2025 and 32% lower than in September 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 – September 2025

In Northern Ireland in September 2025, there were 108 individual insolvencies, which was 30% lower than in September 2024. Of the total individual insolvencies, there were:

71 IVAs
12 bankruptcies
25 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.

Enquire now

Next insolvency statistics release

Figures for October 2025 will be released on 18 November 2025.

You can see all personal insolvency notices in The Gazette.

Find out more

Individual Insolvency Statistics September 2025 (GOV.UK)

The Insolvency Service (GOV.UK)

Accountant in Bankruptcy (AiB)

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Publication date

21 October 2025