Borrowing Data

Insolvency statistics in Scotland 2026

Last updated November 2026 · Data to Q3 2026 · Scotland

Insolvency figures for Scotland, from Accountant in Bankruptcy.

14

Personal insolvency rate 2025/26

The rate of personal insolvencies in Scotland was 14 per 10,000 adults aged 16 and over in 2025-26.

Source: Scottish Statutory Debt Solutions Statistics: 2026-27 Quarter 2, Table 4, Accountant in Bankruptcy, 2025/26

Financial year (April to March). Rate per 10,000 adults aged 16 and over, rounded to whole numbers by the publisher. Figures for recent years are provisional.

5

Bankruptcy rate

The rate of awards of bankruptcy in Scotland was 5 per 10,000 adults aged 16 and over in 2025-26.

Source: Scottish Statutory Debt Solutions Statistics: 2026-27 Quarter 2, Table 4, Accountant in Bankruptcy, 2025/26

Financial year (April to March). Rate per 10,000 adults aged 16 and over, rounded to whole numbers by the publisher. Figures for recent years are provisional.

8

Protected trust deed rate

The rate of protected trust deeds in Scotland was 8 per 10,000 adults aged 16 and over in 2025-26.

Source: Scottish Statutory Debt Solutions Statistics: 2026-27 Quarter 2, Table 4, Accountant in Bankruptcy, 2025/26

Financial year (April to March). Rate per 10,000 adults aged 16 and over, rounded to whole numbers by the publisher. Figures for recent years are provisional.

10

Debt payment programme rate

The rate of Debt Arrangement Scheme debt payment programmes approved in Scotland was 10 per 10,000 adults aged 16 and over in 2025-26.

Source: Scottish Statutory Debt Solutions Statistics: 2026-27 Quarter 2, Table 4, Accountant in Bankruptcy, 2025/26

Financial year (April to March). Rate per 10,000 adults aged 16 and over, rounded to whole numbers by the publisher. Figures for recent years are provisional.

29

Personal insolvency rate 2019/20

The rate of personal insolvencies in Scotland was 29 per 10,000 adults aged 16 and over in 2019-20.

Source: Scottish Statutory Debt Solutions Statistics: 2026-27 Quarter 2, Table 4, Accountant in Bankruptcy, 2019/20

Financial year (April to March). Rate per 10,000 adults aged 16 and over, rounded to whole numbers by the publisher. Figures for recent years are provisional.

Key points

The rate of personal insolvencies in Scotland was 14 per 10,000 adults aged 16 and over in 2025-26. The rate of awards of bankruptcy in Scotland was 5 per 10,000 adults aged 16 and over in 2025-26. The rate of protected trust deeds in Scotland was 8 per 10,000 adults aged 16 and over in 2025-26.

Frequently asked questions

What was the rate of personal insolvencies in Scotland in 2025/26?

The rate of personal insolvencies in Scotland was 14 per 10,000 adults aged 16 and over in 2025-26.

What was the bankruptcy rate in Scotland in 2025/26?

The rate of awards of bankruptcy in Scotland was 5 per 10,000 adults aged 16 and over in 2025-26.

What was the rate of protected trust deeds in Scotland in 2025/26?

The rate of protected trust deeds in Scotland was 8 per 10,000 adults aged 16 and over in 2025-26.

Insolvency statistics in other places

More statistics for Scotland