UK Insolvency Trends 2025–2026: Horizon Scanning for Businesses and Lenders

Charles Boyne of Weightmans surveys UK insolvency trends heading into 2026, warning that despite the Bank of England’s rate cuts, insolvency risk remains elevated as retail and leisure struggle with weak discretionary spend; construction faces cash-flow shocks, disputes and rising enforcement; HMRC intensifies winding-up activity; director duty exposure grows; real estate and hospitality see value erosion; and looming business rates revaluations threaten otherwise viable operators, making early restructuring advice and proactive governance critical for businesses and lenders.

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