Insolvency figures for England and Wales, from the Insolvency Service.
The individual insolvency rate in England and Wales was 28.0 per 10,000 adults in the 12 months to September 2026.
Source: Individual insolvencies, September 2026, Table 2, Insolvency Service, 12 months to September 2026
Rate per 10,000 adults, rolling 12-month rate for monthly rows, not seasonally adjusted. Adults are persons aged 18 and over (ONS population estimates).
The bankruptcy rate in England and Wales was 1.7 per 10,000 adults in the 12 months to September 2026.
Source: Individual insolvencies, September 2026, Table 2, Insolvency Service, 12 months to September 2026
Rate per 10,000 adults, rolling 12-month rate for monthly rows, not seasonally adjusted. Adults are persons aged 18 and over (ONS population estimates).
The debt relief order rate in England and Wales was 9.7 per 10,000 adults in the 12 months to September 2026.
Source: Individual insolvencies, September 2026, Table 2, Insolvency Service, 12 months to September 2026
Rate per 10,000 adults, rolling 12-month rate for monthly rows, not seasonally adjusted. Adults are persons aged 18 and over (ONS population estimates).
The individual voluntary arrangement rate in England and Wales was 16.6 per 10,000 adults in the 12 months to September 2026.
Source: Individual insolvencies, September 2026, Table 2, Insolvency Service, 12 months to September 2026
Rate per 10,000 adults, rolling 12-month rate for monthly rows, not seasonally adjusted. Adults are persons aged 18 and over (ONS population estimates).
The breathing space registration rate in England and Wales was 18.2 per 10,000 adults in 2025.
Source: Individual insolvencies by location, age and gender, England and Wales, 2025: Individual insolvencies by Location, England and Wales, 2015 to 2025, Table 5b, Insolvency Service, 2025
Calendar year, by the postcode of the individual. Boundaries as at 31 December 2025, with City of London included in Westminster and Isles of Scilly included in Cornwall. Rates are per 10,000 adults aged 18 and over, using ONS mid-year population estimates; 2025 rates use the 2024 estimates and are provisional. The Breathing Space scheme started on 4 May 2021.
There were 12,949 individual insolvencies in England and Wales in September 2026.
Source: Individual insolvencies, September 2026, Table 1b, Insolvency Service, September 2026
Not seasonally adjusted. Numbers reflect the actual number of cases in the period. Latest months are provisional and may be revised.
There were 126,278 individual insolvencies in England and Wales in 2025.
Source: Individual insolvencies, September 2026, Table 1b, Insolvency Service, 2025
Not seasonally adjusted calendar year total as published. Figures for earlier years are revised in later releases.
There were 7,496 bankruptcies in England and Wales in 2025.
Source: Individual insolvencies, September 2026, Table 1b, Insolvency Service, 2025
Not seasonally adjusted calendar year total as published. Figures for earlier years are revised in later releases.
There were 46,939 debt relief orders in England and Wales in 2025.
Source: Individual insolvencies, September 2026, Table 1b, Insolvency Service, 2025
Not seasonally adjusted calendar year total as published. Figures for earlier years are revised in later releases.
There were 71,843 individual voluntary arrangements in England and Wales in 2025.
Source: Individual insolvencies, September 2026, Table 1b, Insolvency Service, 2025
Not seasonally adjusted calendar year total as published. Figures for earlier years are revised in later releases.
There were 89,130 breathing space registrations in England and Wales in 2025.
Source: Individual insolvencies, September 2026, Table 6, Insolvency Service, 2025
Not seasonally adjusted. The scheme started on 4 May 2021, so 2021 covers eight months.
There were 1,962 bankruptcies resulting from creditors' petitions in England and Wales in 2025.
Source: Individual insolvencies, September 2026, Table 3b, Insolvency Service, 2025
Not seasonally adjusted.
There were 5,534 bankruptcies resulting from debtors' applications in England and Wales in 2025.
Source: Individual insolvencies, September 2026, Table 3b, Insolvency Service, 2025
Not seasonally adjusted.
There were 1,159 self-employed bankruptcies in England and Wales in 2025.
Source: Individual insolvencies, September 2026, Table 4b, Insolvency Service, 2025
Bankruptcies by employment status, not seasonally adjusted. Employment status is available two months in arrears; an 'unknown' category is published separately.
The individual insolvency rate in England and Wales was 24.9 per 10,000 adults in 2022.
Source: Individual insolvencies, September 2026, Table 2, Insolvency Service, 2022
Rate per 10,000 adults, rolling 12-month rate for monthly rows, not seasonally adjusted. Adults are persons aged 18 and over (ONS population estimates).
The individual insolvency rate in England and Wales was 26.0 per 10,000 adults in 2019.
Source: Individual insolvencies, September 2026, Table 2, Insolvency Service, 2019
Rate per 10,000 adults, rolling 12-month rate for monthly rows, not seasonally adjusted. Adults are persons aged 18 and over (ONS population estimates).
The individual insolvency rate in England and Wales was 28.0 per 10,000 adults in the 12 months to September 2026. The bankruptcy rate in England and Wales was 1.7 per 10,000 adults in the 12 months to September 2026. The debt relief order rate in England and Wales was 9.7 per 10,000 adults in the 12 months to September 2026.
The individual insolvency rate in England and Wales was 28.0 per 10,000 adults in the 12 months to September 2026.
The bankruptcy rate in England and Wales was 1.7 per 10,000 adults in the 12 months to September 2026.
The debt relief order rate in England and Wales was 9.7 per 10,000 adults in the 12 months to September 2026.