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
Change between the two latest observations (2024 to 2025), in stress score.
A higher reading is treated as worse for this indicator.
Score composition
Stress score
Since the August 2026 release
Nothing changed on this indicator between the two releases: no new observation, revision, restatement or source change, and its stress score did not move.
Blended from two measured components: (2/3 weight) and trend (1/3 weight); where no trend can be computed the metric is scored on its level alone. Volatility is published as a diagnostic and does not enter the blend. Full formula on the methodology page.
Level · 2/3 weight
Bounds: scored against fixed best/worst limits, used until a metric has about eight years of verified data to rank against.
Trend · 1/3 weight
Measured from the direction and size of the change between the two most recent readings.
Volatility · diagnostic, not blended
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 |