Metric permalink
Household arrears and insolvency pressure
Part of the Living Standards domain. Individual insolvencies per 10,000 adults, indicating the rate at which households are unable to service debts.
Latest data
Latest reading
2025
A higher reading is treated as worse for this indicator.
Score composition
Stress score
Blended from three components: (60% weight), trend (30% weight) and volatility (10% weight). Full formula on the methodology page.
Level · 60% weight
Bounds: scored against fixed best/worst limits, used until a metric has about eight years of verified data to rank against.
Trend · 30% weight
Measured from the direction and size of the change between the two most recent readings.
Volatility · 10% weight
50Provisional: fewer than four historical readings are available, so this defaults to a mid range score rather than a measured figure.
Data confidence and provenance
Confidence and source
How much weight to put on the reading, the mean data-confidence across the component metrics (source quality, recency and completeness).
Source
Individual insolvency statistics
- Update frequency
- Quarterly
- Reliability
- high
Provenance
- Provider
- Insolvency Service
- Series ID
- individual insolvency rate, E&W
- Frequency
- annual
- Accessed
- 13 August 2026
Known weakness
Insolvency counts reflect court activity and legal thresholds rather than the broader population in arrears, understating household financial stress.
Notes
Verified official value from Insolvency Service (individual insolvency rate, E&W), accessed 2026-08-13.
Historical values
History
| Period | Value | Relative |
|---|---|---|
| 2024 | 24.1 | |
| 2025 | 25.3 |