Research & Reports

Business Insolvency Statistics

Company insolvency figures, updated December 2024.

3 Mins
Chapter 1

Overview

Insolvency rates don’t just tell a story—they shine a spotlight on the challenges UK businesses are up against. December 2024 saw 2,482 companies across the UK and Northern Ireland declare insolvency. The 10% jump from November highlights the mounting pressures faced by UK businesses, yet it remains 2% lower than December 2023.

While the year-on-year drop might hint at progress, the festive season couldn’t mask the pressures many businesses are facing. Inflation is still biting, and the construction sector—making up 16% of December’s insolvencies continues to feel the heat from rising costs on materials and labour.

The Numbers You Need to Know for December 2024

  • Total Insolvencies2,482 businesses closed their doors in December.
  • Month-over-Month Change: 10% more companies went under compared to November—evidence of stretched budgets and cautious consumer spending as Christmas approaches.
  • Year-on-Year Change: Insolvencies came in 2% lower than December 2023, a small but noticeable change.
  • Sector Impact: Unsurprisingly, Construction led the way, with 392 insolvencies making it the hardest-hit sector.

For proactive insights and support, Creditsafe’s platform offers tools to help businesses manage and mitigate insolvency risks through real-time updates and advanced risk monitoring.

If you want to re-use this data, please contact [email protected]

Chapter 1

Insolvencies by Month

Total number of insolvencies by month.

December 2024 saw 2,482 businesses in the UK and Northern Ireland declare insolvency—up 10% from November, but 2% lower than December 2023. The month-on-month increase shows pressures are still building, but the year-on-year dip offers a glimmer of hope. Is the tide turning? Perhaps so! But it's too soon to say for certain, businesses up and down the country are still feeling the weight of economic challenges.

Unsurprisingly, the construction sector continues to feel the strain. Heightened inflation on materials, rising labour costs, and weakened supply chains are exacerbating pressure across the industry. Contractors have been quick to tighten up their due diligence processes in a bid to prevent further insolvencies.

But is there light at the end of the tunnel? With the government's recent Autumn Budget aimed at stimulating growth, construction firms are left wondering if this boost will be enough to lift them from the ongoing financial strain.

For businesses looking to proactively manage these risks, Creditsafe’s platform offers real-time updates and advanced monitoring tools, providing the insights necessary to navigate an unpredictable insolvency landscape effectively.

Chapter 1

Insolvencies by Sector

The total number of insolvencies by sector YTD.

The construction sector remains a significant contributor to the UK's insolvency figures, accounting for 16% of all insolvencies in December 2024, with 392 companies within the industry entering insolvency. While the sector saw a slight drop compared to previous months, it remains under immense pressure from rising costs. The soaring prices of materials and labour are squeezing margins, leaving many construction firms struggling to stay afloat despite their efforts to adjust and remain resilient. The road ahead looks to be uncertain, with businesses continuing to grapple with external challenges that show no sign of letting up.

The Wholesale and Retail sector is also feeling the squeeze, with 362 companies declaring insolvency in December 2024. In the lead-up to Christmas, footfall across UK high streets, shopping centres, and retail parks fell by 2.2% compared to December 2023, as reported by the British Retail Consortium (BRC) and analysts at Sensormatic.

The biggest drop was seen at shopping centres, which experienced a 3.3% decline. With fewer shoppers coming through the doors, retailers will need to get creative in 2025, finding new ways to boost sales or reverse the declining footfall if they hope to survive the coming year.

The table below provides a comprehensive overview of insolvency trends year-to-date (January - December 2024) by sector. It also compares these figures with previous years (2021, 2022, and 2023), offering a clearer picture of the sector-specific shifts and changes in insolvency rates.

Want to explore the data for yourself?

Whether you want to understand the impact of Insolvencies across a group of sectors or the likelihood of an individual company becoming insolvent, you can find all of this data and more within the Creditsafe platform.

Chapter 1

Methodology

Creditsafe uses the following statuses to determine if a company has become insolvent and will count insolvency based on its first insolvency trigger from one of the statuses below:

  • In Liquidation.
  • Administrator Appointed.
  • Appointment of Liquidator.
  • Meeting of Creditors.
  • In Administration.
  • In Receivership.
  • Administrative Receiver Appointed.
  • Administration Order.
  • The company is wound-up.