15/05/2026
The Director of the ISI, Michael McNaughton, published the ISI Annual Report 2025.
Highlights of the Report include:
1,085 Protective Certificates issued, 88% of which were for Personal Insolvency Arrangements, the solution that deals with mortgage debt.
937 debt solutions were put in place.
A representative sample from 2025 shows that, of those borrowers who availed of a PIA, 96% had terms which saw them remain in their family home while 33% of borrowers had a reduction in their mortgage debt through a write-down.
85 people were adjudicated bankrupt, with 75 people exiting bankruptcy.
https://assets.gov.ie/static/documents/7c33102f/ISI_Annual_Report_2025.pdf
