A 6.7× local gap
Halton recorded 63.0 formal insolvencies per 10,000 adults; Richmond upon Thames recorded 9.4.
UK Money Visualised · Map 03
Explore where formal insolvency is recorded most often, how local rates have changed, and which debt procedures sit behind the totals.
Choose the signal
Bankruptcies, debt relief orders and individual voluntary arrangements combined.
Local authority map · 2025
Rate per 10,000 adults. The 2025 denominator is provisional.
Compare all areas
All 316 local authorities · all formal insolvencies · 2025
Eleven-year view
Halton compared with the England-and-Wales location series. Rates per 10,000 adults.
The local-authority location series uses a consistent methodology within each year. The 2025 rates use 2024 population estimates and will be revised when newer estimates are available.
What sits inside the total
Halton · share of formal insolvency cases in 2025
654formal insolvency cases in 2025
The mix matters. A change in eligibility or fees can move the total even when underlying financial pressure has not changed by the same amount.
Regional divide
All formal insolvencies · rate per 10,000 adults · 2025
A different signal
Temporary protection from creditor action while someone receives debt advice. It is not insolvency.
* The scheme began on 4 May 2021, so the first year covers eight months.
What the data shows
Halton recorded 63.0 formal insolvencies per 10,000 adults; Richmond upon Thames recorded 9.4.
The rate increased from 2024 in 241 of 316 local authorities, fell in 70 and was unchanged in five.
The 2024 abolition of the DRO fee and wider eligibility increased access to debt relief. The rise is not a pure measure of worsening finances.
Plain-English guide
Formal insolvency is a severe administrative outcome. It is not a complete measure of debt, arrears, poverty or financial wellbeing.
Bankruptcy, a debt relief order or an individual voluntary arrangement recorded by the Insolvency Service. Informal repayment plans and people struggling without entering a procedure are excluded.
The number of recorded cases divided by the estimated population aged 18 or over, multiplied by 10,000. Rates allow areas of different sizes to be compared.
Local population estimates for 2025 were not yet available, so the location tables use 2024 population estimates. The rates will be revised in the next annual edition.
The definitive national series uses a different population denominator and reports 25.3 per 10,000 for 2025. This page uses the location workbook’s 25.8 benchmark so every local comparison uses the same published method.
Because their populations are small, the source includes City of London within Westminster and Isles of Scilly within Cornwall. They appear on the map without a separate rate.
Insolvency law and procedures differ in Scotland and Northern Ireland. Combining those systems into one local league table would imply comparability that the data do not support.
Read this map carefully
Individual insolvencies by location, age and gender, England and Wales, 2025, released 27 March 2026. Tables 1a–5b. Boundary geometry: Office for National Statistics, Local Authority Districts (December 2025) Boundaries UK BSC. Reused under the Open Government Licence v3.0.
| Local authority | Region | All insolvencies rate | Cases | Change from 2024 |
|---|---|---|---|---|
| Halton | North West | 63.0 | 654 | +0.1 |
| Kingston upon Hull, City of | Yorkshire And The Humber | 55.3 | 1,177 | +2.3 |
| Blackpool | North West | 50.8 | 586 | +1.3 |
| Hartlepool | North East | 44.9 | 346 | +8.6 |
| Nuneaton and Bedworth | West Midlands | 44.4 | 490 | -1.3 |
| North Tyneside | North East | 44.2 | 763 | -1.4 |
| Gosport | South East | 44.1 | 293 | +12.5 |
| Calderdale | Yorkshire And The Humber | 43.7 | 724 | +2.2 |
| South Tyneside | North East | 43.3 | 524 | +1.1 |
| North East Lincolnshire | Yorkshire And The Humber | 43.2 | 546 | +1.9 |
| Stockton-on-Tees | North East | 42.3 | 684 | -3.2 |
| Stoke-on-Trent | West Midlands | 42.0 | 874 | -4.0 |
| Mansfield | East Midlands | 40.9 | 365 | +6.8 |
| Torfaen | Wales | 40.6 | 303 | +12.4 |
| Burnley | North West | 39.8 | 303 | +1.6 |
| Torbay | South West | 39.7 | 458 | +6.3 |
| Preston | North West | 38.9 | 493 | +7.4 |
| Swale | South East | 38.9 | 480 | +5.8 |
| Barnsley | Yorkshire And The Humber | 38.8 | 775 | +3.8 |
| Hyndburn | North West | 38.4 | 256 | +8.6 |
| Great Yarmouth | East | 38.3 | 310 | +4.1 |
| Stevenage | East | 38.2 | 271 | +2.7 |
| Cannock Chase | West Midlands | 37.5 | 313 | +10.0 |
| Torridge | South West | 37.5 | 217 | +12.4 |
| Blackburn with Darwen | North West | 37.2 | 449 | +6.0 |
| Darlington | North East | 37.2 | 334 | +5.1 |
| Havant | South East | 36.9 | 378 | +9.2 |
| Salford | North West | 36.8 | 849 | +8.8 |
| Doncaster | Yorkshire And The Humber | 36.5 | 918 | +4.2 |
| Lincoln | East Midlands | 36.5 | 314 | +9.2 |
| North Northamptonshire | East Midlands | 36.4 | 1,057 | +3.1 |
| Portsmouth | South East | 36.3 | 621 | +1.9 |
| Chesterfield | East Midlands | 36.1 | 311 | -9.4 |
| Ashfield | East Midlands | 36.0 | 370 | +6.0 |
| East Lindsey | East Midlands | 35.8 | 437 | +7.7 |
| Telford and Wrekin | West Midlands | 35.4 | 537 | +1.6 |
| Norwich | East | 35.3 | 426 | +1.8 |
| Tameside | North West | 35.3 | 659 | -3.1 |
| Plymouth | South West | 35.1 | 773 | +1.3 |
| Redcar and Cleveland | North East | 34.9 | 390 | +2.3 |
| Rhondda Cynon Taf | Wales | 34.9 | 677 | +1.2 |
| Medway | South East | 34.8 | 778 | +2.6 |
| North Warwickshire | West Midlands | 34.8 | 188 | -4.6 |
| Mid Devon | South West | 34.6 | 236 | +1.2 |
| Wrexham | Wales | 34.5 | 380 | +2.6 |
| Hastings | South East | 34.2 | 250 | -0.3 |
| North Lincolnshire | Yorkshire And The Humber | 34.2 | 467 | -1.6 |
| Eastbourne | South East | 34.1 | 288 | +3.3 |
| Conwy | Wales | 34.0 | 321 | +1.7 |
| Merthyr Tydfil | Wales | 34.0 | 158 | +4.5 |
| Rochdale | North West | 33.9 | 602 | -0.8 |
| Thanet | South East | 33.9 | 386 | +3.3 |
| Middlesbrough | North East | 33.8 | 408 | +1.6 |
| County Durham | North East | 33.6 | 1,469 | +3.6 |
| Derby | East Midlands | 33.6 | 712 | +1.3 |
| Harlow | East | 33.6 | 248 | +4.1 |
| Walsall | West Midlands | 33.5 | 751 | +2.5 |
| Bolsover | East Midlands | 33.4 | 226 | -2.5 |
| Denbighshire | Wales | 33.4 | 263 | +5.6 |
| Gateshead | North East | 33.4 | 542 | -0.7 |
| Blaenau Gwent | Wales | 33.3 | 181 | +2.0 |
| Gloucester | South West | 33.3 | 362 | +2.8 |
| Newcastle-under-Lyme | West Midlands | 33.2 | 346 | +2.9 |
| Basildon | East | 32.6 | 483 | +0.7 |
| Knowsley | North West | 32.5 | 411 | -2.8 |
| Tendring | East | 32.5 | 418 | +0.6 |
| Cornwall | South West | 32.4 | 1,547 | +3.1 |
| Boston | East Midlands | 32.2 | 179 | +7.2 |
| Bassetlaw | East Midlands | 32.0 | 321 | +0.1 |
| North Devon | South West | 32.0 | 264 | -3.0 |
| North East Derbyshire | East Midlands | 32.0 | 277 | +3.0 |
| Rossendale | North West | 32.0 | 184 | -1.9 |
| Caerphilly | Wales | 31.8 | 449 | -0.9 |
| Thurrock | East | 31.8 | 428 | +3.3 |
| South Holland | East Midlands | 31.7 | 254 | +5.6 |
| Sunderland | North East | 31.7 | 735 | +0.6 |
| Erewash | East Midlands | 31.6 | 292 | -0.8 |
| Melton | East Midlands | 31.6 | 138 | +5.3 |
| Dover | South East | 31.5 | 303 | +3.6 |
| Newark and Sherwood | East Midlands | 31.4 | 324 | +1.0 |
| Pendle | North West | 31.0 | 235 | +0.5 |
| Redditch | West Midlands | 31.0 | 214 | +2.0 |
| Wigan | North West | 30.6 | 835 | +3.2 |
| Isle of Wight | South East | 30.5 | 361 | +2.1 |
| South Kesteven | East Midlands | 30.5 | 360 | +1.0 |
| Wolverhampton | West Midlands | 30.5 | 650 | +1.6 |
| Rotherham | Yorkshire And The Humber | 30.3 | 657 | -3.0 |
| Southampton | South East | 30.3 | 631 | +6.6 |
| Tamworth | West Midlands | 30.3 | 194 | +1.4 |
| Peterborough | East | 30.1 | 499 | +0.8 |
| St. Helens | North West | 30.0 | 454 | -5.8 |
| Teignbridge | South West | 30.0 | 343 | +0.6 |
| Somerset | South West | 29.9 | 1,422 | +2.3 |
| Wyre | North West | 29.9 | 293 | +6.0 |
| East Staffordshire | West Midlands | 29.8 | 302 | +4.0 |
| Fenland | East | 29.8 | 251 | +4.0 |
| South Ribble | North West | 29.2 | 273 | +3.9 |
| Crawley | South East | 29.0 | 274 | +3.4 |
| Stratford-on-Avon | West Midlands | 29.0 | 345 | +4.7 |
| Arun | South East | 28.9 | 407 | +4.9 |
| West Northamptonshire | East Midlands | 28.9 | 992 | +1.5 |
| Sefton | North West | 28.8 | 666 | +1.6 |
| Nottingham | East Midlands | 28.7 | 753 | -0.8 |
| Huntingdonshire | East | 28.6 | 434 | +3.1 |
| Ipswich | East | 28.5 | 308 | +0.2 |
| Bolton | North West | 28.4 | 667 | -1.8 |
| Oldham | North West | 28.3 | 530 | +2.5 |
| Kirklees | Yorkshire And The Humber | 28.2 | 980 | +2.6 |
| North West Leicestershire | East Midlands | 28.2 | 253 | +3.7 |
| West Lancashire | North West | 28.2 | 280 | +2.2 |
| West Suffolk | East | 28.0 | 420 | +4.3 |
| Newport | Wales | 27.9 | 362 | +1.5 |
| Rugby | West Midlands | 27.9 | 264 | -2.7 |
| Braintree | East | 27.7 | 362 | +2.7 |
| King's Lynn and West Norfolk | East | 27.7 | 352 | +4.6 |
| Sandwell | West Midlands | 27.7 | 736 | -1.2 |
| Liverpool | North West | 27.6 | 1,133 | -2.1 |
| Warrington | North West | 27.6 | 470 | +0.4 |
| Tonbridge and Malling | South East | 27.4 | 291 | +2.8 |
| Birmingham | West Midlands | 27.3 | 2,430 | +2.7 |
| Wirral | North West | 27.0 | 709 | -0.5 |
| Amber Valley | East Midlands | 26.9 | 285 | +2.5 |
| Bristol, City of | South West | 26.9 | 1,081 | +0.0 |
| Coventry | West Midlands | 26.9 | 769 | +4.7 |
| Dartford | South East | 26.9 | 251 | +3.5 |
| Eastleigh | South East | 26.8 | 302 | +2.1 |
| Fylde | North West | 26.8 | 191 | +2.9 |
| North Somerset | South West | 26.8 | 483 | +1.7 |
| South Derbyshire | East Midlands | 26.8 | 248 | +3.2 |
| Worcester | West Midlands | 26.8 | 230 | +2.4 |
| South Hams | South West | 26.7 | 203 | +1.8 |
| Bedford | East | 26.6 | 400 | +5.2 |
| Breckland | East | 26.6 | 318 | +2.7 |
| Southend-on-Sea | East | 26.6 | 387 | +2.1 |
| Wyre Forest | West Midlands | 26.6 | 225 | +2.1 |
| Cheshire West and Chester | North West | 26.5 | 795 | +2.3 |
| Gravesham | South East | 26.5 | 223 | -0.5 |
| Maidstone | South East | 26.5 | 387 | +3.1 |
| Wakefield | Yorkshire And The Humber | 26.5 | 769 | +1.5 |
| Colchester | East | 26.4 | 414 | +0.3 |
| Tewkesbury | South West | 26.4 | 212 | +2.7 |
| Bury | North West | 26.3 | 405 | +3.1 |
| East Riding of Yorkshire | Yorkshire And The Humber | 26.3 | 769 | +2.7 |
| Basingstoke and Deane | South East | 26.2 | 399 | +1.8 |
| Exeter | South West | 26.1 | 302 | +4.0 |
| High Peak | East Midlands | 26.1 | 195 | +6.9 |
| Flintshire | Wales | 26.0 | 325 | -3.6 |
| Adur | South East | 25.9 | 134 | +3.5 |
| Dacorum | East | 25.8 | 322 | +1.0 |
| Lancaster | North West | 25.8 | 306 | -1.4 |
| Bradford | Yorkshire And The Humber | 25.7 | 1,083 | +0.9 |
| Swindon | South West | 25.7 | 488 | No change |
| Hinckley and Bosworth | East Midlands | 25.6 | 241 | -1.2 |
| Leicester | East Midlands | 25.6 | 762 | +1.9 |
| Maldon | East | 25.6 | 145 | +3.7 |
| Northumberland | North East | 25.4 | 692 | +1.3 |
| Oadby and Wigston | East Midlands | 25.4 | 123 | +3.1 |
| Rushmoor | South East | 25.4 | 212 | +2.9 |
| Chorley | North West | 25.3 | 245 | +3.3 |
| Dudley | West Midlands | 25.3 | 661 | +2.4 |
| Babergh | East | 25.2 | 200 | +1.8 |
| Charnwood | East Midlands | 25.1 | 383 | +1.8 |
| South Gloucestershire | South West | 25.1 | 611 | +0.2 |
| Stafford | West Midlands | 25.1 | 288 | -1.4 |
| Neath Port Talbot | Wales | 25.0 | 289 | +2.9 |
| Bexley | London | 24.9 | 493 | +7.0 |
| Lewes | South East | 24.9 | 208 | +2.2 |
| North Yorkshire | Yorkshire And The Humber | 24.8 | 1,289 | -0.4 |
| West Oxfordshire | South East | 24.8 | 240 | +2.4 |
| Barking and Dagenham | London | 24.7 | 410 | +2.2 |
| Carmarthenshire | Wales | 24.6 | 380 | +1.7 |
| East Cambridgeshire | East | 24.6 | 181 | +5.3 |
| Manchester | North West | 24.6 | 1,124 | +2.9 |
| Vale of Glamorgan | Wales | 24.6 | 265 | +1.9 |
| Milton Keynes | South East | 24.5 | 566 | +2.6 |
| Sheffield | Yorkshire And The Humber | 24.5 | 1,141 | +2.1 |
| Lichfield | West Midlands | 24.4 | 222 | +3.9 |
| Castle Point | East | 24.2 | 177 | +0.8 |
| Broxbourne | East | 24.0 | 189 | +1.8 |
| Dorset | South West | 24.0 | 776 | +1.9 |
| Malvern Hills | West Midlands | 24.0 | 164 | +3.9 |
| East Suffolk | East | 23.9 | 491 | -0.8 |
| Rother | South East | 23.9 | 191 | +2.8 |
| South Staffordshire | West Midlands | 23.9 | 225 | +4.7 |
| Chichester | South East | 23.8 | 253 | -3.4 |
| North Kesteven | East Midlands | 23.8 | 237 | +2.2 |
| Solihull | West Midlands | 23.8 | 409 | -0.4 |
| Cotswold | South West | 23.7 | 178 | +1.1 |
| Herefordshire, County of | West Midlands | 23.7 | 371 | -0.6 |
| Newcastle upon Tyne | North East | 23.7 | 615 | -2.3 |
| South Norfolk | East | 23.5 | 280 | +5.2 |
| Staffordshire Moorlands | West Midlands | 23.5 | 187 | +5.5 |
| Cumberland | North West | 23.4 | 533 | -0.5 |
| East Devon | South West | 23.4 | 306 | +4.4 |
| Wiltshire | South West | 23.4 | 981 | -1.8 |
| Ashford | South East | 23.3 | 256 | -0.2 |
| Oxford | South East | 23.3 | 316 | +4.0 |
| Test Valley | South East | 23.3 | 251 | +4.2 |
| Slough | South East | 23.2 | 280 | +0.7 |
| Swansea | Wales | 23.2 | 473 | +2.0 |
| Canterbury | South East | 23.1 | 304 | +4.1 |
| Welwyn Hatfield | East | 23.1 | 224 | -1.1 |
| Wychavon | West Midlands | 23.1 | 260 | +2.9 |
| Vale of White Horse | South East | 23.0 | 267 | +2.8 |
| Brighton and Hove | South East | 22.8 | 541 | +4.6 |
| Gwynedd | Wales | 22.8 | 226 | +2.6 |
| Wealden | South East | 22.7 | 308 | +3.3 |
| South Oxfordshire | South East | 22.6 | 281 | +4.8 |
| West Lindsey | East Midlands | 22.6 | 182 | +0.5 |
| Enfield | London | 22.5 | 556 | +2.0 |
| Forest of Dean | South West | 22.5 | 165 | -1.1 |
| North Norfolk | East | 22.4 | 197 | +3.0 |
| Trafford | North West | 22.4 | 413 | +3.9 |
| Bridgend | Wales | 22.3 | 265 | +1.9 |
| Cheshire East | North West | 22.3 | 756 | +3.7 |
| Shropshire | West Midlands | 22.3 | 606 | +1.5 |
| Stockport | North West | 22.3 | 533 | No change |
| Bournemouth, Christchurch and Poole | South West | 22.2 | 742 | +2.8 |
| Watford | East | 22.2 | 182 | +2.1 |
| Blaby | East Midlands | 22.1 | 190 | +2.9 |
| Folkestone and Hythe | South East | 22.1 | 202 | -1.5 |
| East Hertfordshire | East | 22.0 | 270 | +2.0 |
| Gedling | East Midlands | 21.9 | 211 | +2.6 |
| Luton | East | 21.9 | 388 | +3.2 |
| Cherwell | South East | 21.8 | 292 | +1.2 |
| Leeds | Yorkshire And The Humber | 21.8 | 1,456 | +0.8 |
| Powys | Wales | 21.6 | 241 | +0.3 |
| West Devon | South West | 21.6 | 106 | -2.7 |
| Hertsmere | East | 21.5 | 184 | +5.1 |
| Stroud | South West | 21.5 | 218 | +4.5 |
| York | Yorkshire And The Humber | 21.5 | 375 | -3.6 |
| Bromsgrove | West Midlands | 21.4 | 173 | +5.3 |
| Isle of Anglesey | Wales | 21.4 | 120 | +1.1 |
| Westmorland and Furness | North West | 21.3 | 406 | -1.4 |
| Worthing | South East | 21.3 | 197 | -1.7 |
| West Berkshire | South East | 21.1 | 274 | +4.7 |
| Cheltenham | South West | 21.0 | 205 | +2.5 |
| Epping Forest | East | 20.9 | 227 | +0.6 |
| Croydon | London | 20.8 | 655 | +2.0 |
| Mid Sussex | South East | 20.8 | 263 | +0.7 |
| Reading | South East | 20.8 | 299 | +2.8 |
| Bracknell Forest | South East | 20.6 | 209 | +1.5 |
| Chelmsford | East | 20.6 | 306 | +1.7 |
| Lewisham | London | 20.5 | 491 | +4.1 |
| Sevenoaks | South East | 20.5 | 196 | +2.3 |
| Tunbridge Wells | South East | 20.4 | 188 | +3.9 |
| Central Bedfordshire | East | 20.3 | 499 | +2.5 |
| Islington | London | 20.3 | 381 | +5.3 |
| East Hampshire | South East | 20.2 | 211 | +1.2 |
| Mid Suffolk | East | 20.2 | 183 | -0.1 |
| Greenwich | London | 20.1 | 470 | -1.7 |
| Havering | London | 20.1 | 428 | +2.0 |
| Mole Valley | South East | 20.1 | 143 | +5.3 |
| Spelthorne | South East | 20.0 | 168 | +3.6 |
| Three Rivers | East | 20.0 | 149 | +5.0 |
| Monmouthshire | Wales | 19.7 | 153 | +3.7 |
| Derbyshire Dales | East Midlands | 19.6 | 118 | +1.3 |
| New Forest | South East | 19.6 | 286 | +0.8 |
| Reigate and Banstead | South East | 19.3 | 238 | +0.6 |
| Broxtowe | East Midlands | 19.1 | 178 | -1.8 |
| North Hertfordshire | East | 19.1 | 206 | No change |
| Pembrokeshire | Wales | 19.1 | 196 | +0.3 |
| Winchester | South East | 18.9 | 203 | -0.6 |
| Horsham | South East | 18.3 | 221 | +0.2 |
| Uttlesford | East | 18.1 | 135 | +4.7 |
| Cardiff | Wales | 18.0 | 556 | +0.1 |
| Newham | London | 18.0 | 523 | +2.2 |
| Rutland | East Midlands | 17.9 | 60 | -3.6 |
| Warwick | West Midlands | 17.8 | 221 | +2.9 |
| Hackney | London | 17.7 | 376 | -0.5 |
| Windsor and Maidenhead | South East | 17.7 | 220 | +1.8 |
| Broadland | East | 17.6 | 199 | +0.2 |
| Surrey Heath | South East | 17.6 | 132 | +4.5 |
| Runnymede | South East | 17.5 | 129 | -1.5 |
| Hounslow | London | 17.4 | 404 | No change |
| Woking | South East | 17.4 | 143 | +1.9 |
| Fareham | South East | 17.2 | 162 | -0.6 |
| Lambeth | London | 17.2 | 456 | +1.3 |
| Rochford | East | 16.9 | 121 | -0.8 |
| Sutton | London | 16.9 | 276 | -0.9 |
| Southwark | London | 16.8 | 436 | +0.8 |
| Harborough | East Midlands | 16.7 | 140 | -0.7 |
| Buckinghamshire | South East | 16.5 | 739 | +0.5 |
| Tandridge | South East | 16.4 | 116 | -0.3 |
| Tower Hamlets | London | 16.3 | 437 | +1.3 |
| Hart | South East | 16.2 | 132 | +2.6 |
| Rushcliffe | East Midlands | 15.9 | 160 | +2.9 |
| Elmbridge | South East | 15.8 | 171 | +1.9 |
| Waltham Forest | London | 15.8 | 343 | +1.3 |
| Brentwood | East | 15.7 | 98 | +1.4 |
| Guildford | South East | 15.7 | 192 | +4.1 |
| South Cambridgeshire | East | 15.7 | 210 | +1.5 |
| Bath and North East Somerset | South West | 15.3 | 250 | +0.8 |
| Bromley | London | 15.3 | 401 | -1.0 |
| Hillingdon | London | 15.3 | 387 | -0.2 |
| Merton | London | 15.3 | 262 | +2.7 |
| Ribble Valley | North West | 15.3 | 82 | +2.2 |
| St Albans | East | 15.0 | 172 | No change |
| Epsom and Ewell | South East | 14.8 | 95 | +4.2 |
| Brent | London | 14.7 | 408 | -0.2 |
| Barnet | London | 14.6 | 455 | +1.6 |
| Waverley | South East | 14.5 | 152 | +3.1 |
| Redbridge | London | 13.9 | 339 | +2.1 |
| Haringey | London | 13.4 | 282 | -1.0 |
| Ealing | London | 13.2 | 400 | -0.2 |
| Hammersmith and Fulham | London | 13.1 | 206 | +1.5 |
| Wokingham | South East | 13.1 | 187 | +1.3 |
| Ceredigion | Wales | 12.9 | 79 | -2.0 |
| Kingston upon Thames | London | 12.6 | 171 | +3.2 |
| Cambridge | East | 12.2 | 152 | -0.1 |
| Kensington and Chelsea | London | 11.5 | 140 | -0.9 |
| Harrow | London | 10.8 | 228 | -0.3 |
| Wandsworth | London | 10.6 | 296 | +0.5 |
| Westminster | London | 10.5 | 189 | -0.1 |
| Camden | London | 10.2 | 185 | -0.9 |
| Richmond upon Thames | London | 9.4 | 143 | -2.1 |