Accredited official statistics
Individual insolvencies, September 2025
Monthly tables and commentary on the numbers and rates of individual insolvencies, including bankruptcies, debt relief orders and individual voluntary arrangements in England and Wales and Northern Ireland, and quarterly information for Scotland. For England and Wales, Breathing Space scheme statistics are also included.
Documents
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Details
Main messages for England and Wales
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In September 2025, 11,101 individuals entered insolvency in England
and Wales. This was 3% lower than in August 2025 and 7% higher than in
September 2024.
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The individual insolvencies consisted of 622 bankruptcies, 3,985 debt
relief orders (DROs) and 6,494 individual voluntary arrangements
(IVAs). DRO numbers in September 2025 were lower than the record high
seen in August 2025, but remain at the historically high levels seen
over the past 18 months. The number of IVAs registered in September
2025 was higher than the average monthly number seen in the first half
of 2025. Bankruptcy numbers remained at about half of pre-2020 levels
but were 9% higher than in September 2024.
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In the 12 months ending 30 September 2025, one in 407 adults in
England and Wales entered insolvency (at a rate of 24.6 per 10,000
adults). This is higher than the rate of 23.4 per 10,000 adults (one
in 427) who entered insolvency in the 12 months ending 30 September
2024.
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There were 7,684 Breathing Space registrations in September 2025. This
is 12% higher than in September 2024.
Updates to this page
Published 17 October 2025
