Q3 2026 Summary

New Judgments flow in Q3 2026

362,770 new consumer and commercial judgments were registered in Q3 2026, 2.2% fewer than the previous quarter and 11.6% more than Q3 2025.

Across the last five quarters, new consumer and commercial judgments averaged 334,028.

321,466 new consumer judgments were registered in Q3 2026, 2.2% fewer than the previous quarter and 12.8% more than Q3 2025.

Across the last five quarters, new consumer judgments averaged 292,862.

41,304 new commercial judgments were recorded in Q3 2026 - down by 2.3% from the previous quarter and up by 3.3% from Q3 2025.

Across the last five quarters, new commercial judgments averaged 41,166.

97.8% of the total 362,770 new consumer and commercial judgments in Q3 2026 were assigned to England and Wales and therefore make up far and away the biggest data set.

ENGLAND AND WALES:

354,751 new consumer and commercial judgments were registered in England and Wales in Q3 2026, which is a 2.2% decrease from the previous quarter and a 12.0% increase from Q3 2025.

Across the last five quarters, new consumer and commercial judgments in England and Wales averaged 326,312.

Consumer judgments in England and Wales:

315,250 new consumer judgments were registered in England and Wales in Q3 2026, a 2.1% decrease from the previous quarter and a 13.0% increase from Q3 2025.

Across the last five quarters, new consumer judgments in England and Wales averaged 287,049.

315,250 new consumer judgments were registered in England and Wales in Q3 2026 with the total value of £576,987,650.

£285 is the most frequent consumer judgment amount in England and Wales, with 8,377 new consumer judgments at this figure.

45% of consumer judgments are for amounts less than £500.

The median new consumer judgment value in England and Wales is £604.

Only 13% of the consumer judgments in England and Wales are for amounts greater than £3,000. This adds up to £362mn, 63% of the value of new consumer judgments in England and Wales in Q3 2026.

Commercial judgments in England and Wales:

39,501 new commercial judgments have been added to the Register in Q3 2026 in England and Wales, which is a 2.7% decrease from the previous quarter and a 4.9% increase from Q3 2025.

Across the last five quarters, new commercial judgments in England and Wales averaged 39,263.

39,501 new commercial judgments are registered in England and Wales in Q3 2026 with the total value of £184,189,802.

£257 is the most frequent commercial judgment amount in England and Wales with 3,991 judgments at this figure.

The top five judgment amounts (£257, £497, £912, £1,682, £407) make up 35% of the number of commercial judgments for England and Wales, indicating a significant concentration around these specific values.

28% of the commercial judgments in England and Wales are for amounts greater than £3,000. This adds up to £158mn, 86% of the total value ofcommercial judgments in England and Wales in Q3 2026.

SCOTLAND:

5,323 new consumer and commercial judgments were registered in Scotland in Q3 2026, which is a 3.8% decrease from the previous quarter and a 1.5% decrease from Q3 2025.

Across the last five quarters, new judgments in Scotland averaged 5,033.

Consumer judgments in Scotland:

4,563 new consumer judgments were registered in Scotland in Q3 2026, which is a 5.0% decrease from the previous quarter and a 13.9% increase from Q3 2025.

Across the last five quarters, new consumer judgments in Scotland averaged 4,028.

4,563 new consumer judgments were registered in Scotland in Q3 2026 with the total value of £19,206,568.

£5,000 is the most frequent judgment amount in Scotland with 110 consumer judgments at this figure.

Only 6% of consumer judgments registered in Scotland in Q3 2026 are for the amounts below £500.

The median new consumer judgment value in Scotland is £2,167.

37% of the consumer judgments in Scotland are for amounts greater than £3,000. These add up to £15mn, 78% of the value of new consumer judgments in Scotland in Q3 2026.

Commercial judgments in Scotland:

760 new commercial judgments were registered in Scotland in Q3 2026, which is a 4.4% increase from the previous quarter and a 45.7% decrease from Q3 2025.

Across the last five quarters, new commercial judgments in Scotland averaged 1,005.

760 new commercial judgments were registered in Scotland in Q3 2026 with the total value of £6,974,958.

52% of the commercial judgments in Scotland are for amounts greater than £3,000. This adds up to £6.5mn, 93% of the total value of new commercial judgments in Scotland in Q3 2026.

Northern Ireland:

1,518 new consumer and commercial judgments were registered in Northern Ireland in Q3 2026, which is a 1.9% increase from the previous quarter and an increase of 12.4% from Q3 2025.

Across the last five quarters, new consumer and commercial judgments in Northern Ireland averaged 1,378.

Consumer judgments in Northern Ireland:

956 new consumer judgments were registered in Northern Ireland in Q3 2026, which is a 1.9% decrease from the previous quarter and a decrease of 3.7% from Q3 2025.

Across the last five quarters, new consumer judgments in Northern Ireland averaged 948.

956 new consumer judgments were registered in Northern Ireland in Q3 2026 with the total value of £3,240,245.

29% of the consumer judgments in Northern Ireland have amounts greater than £3,000. These add up to £2.5mn, 78% of the total value of new consumer judgments in Northern Ireland in Q3 2026.

Commercial judgments in Northern Ireland:

562 new commercial judgments were registered in Northern Ireland in Q3 2026, a 9.3% increase from the previous quarter and an increase of 57.4% from Q3 2025.

Across the last five quarters, new commercial judgments in Northern Ireland averaged 429.

562 new commercial judgments were registered in Northern Ireland in Q3 2026 with the total value of £1,145,236.

13% of commercial judgments in Northern Ireland have amounts greater than £3,000. These add up to £0.8mn, 68% of the total value of commercial judgments in Northern Ireland in Q3 2026.

REPUBLIC OF IRELAND:

910 new judgments were registered in the Republic of Ireland in Q3 2026, an 11.4% increase from the previous quarter and a decrease of 28.5% from Q3 2025.

Across the last five quarters, new judgments averaged 961.

Consumer judgments in Republic of Ireland:

471 new consumer judgments were registered in the Republic of Ireland in Q3 2026, a 5.8% increase from the previous quarter and a decrease of 36.6% from Q3 2025.

Across the last five quarters, new consumer judgments in the Republic of Ireland averaged 541.

471 new consumer judgments were registered in the Republic of Ireland in Q3 2026 with the total value of £21,618,246.

Consumer judgment amounts in the Republic of Ireland are denominated in Euro and GBP. Value totals are converted to GBP.

76% of the consumer judgments in the Republic of Ireland are for amounts greater than £3,000. However, they add up to 99% of the value of the total of consumer judgments.

Commercial judgments in Republic of Ireland:

439 new commercial judgments were registered in the Republic of Ireland in Q3 2026, a 18.0% increase from the previous quarter and a decrease of 17.2% from Q3 2025.

Across the last five quarters, new commercial judgments in the Republic of Ireland averaged 420.

439 new commercial judgments were registered in the Republic of Ireland in Q3 2026 with the total value of £13,838,335.

Commercial judgment amounts in the Republic of Ireland are denominated in Euro. Value totals are converted to GBP.

78% of the commercial judgments in the Republic of Ireland are for amounts greater than £3,000. However, they add up to 99% of the total value of new commercial judgments in Q3 2026.

JERSEY:

173 new judgments were registered in Jersey in Q3 2026, a 27.0% decrease from the previous quarter and a decrease of 17.6% from Q3 2025.

Across the last five quarters, new judgments in Jersey averaged 234.

Consumer judgments in Jersey:

140 new consumer judgments were registered in Jersey in Q3 2026, a 25.5% decrease from the previous quarter and a decrease of 15.7% from Q3 2025.

Across the last five quarters, new consumer judgments in Jersey averaged 197.

140 new consumer judgments were registered in Jersey in Q3 2026 with the total value of £520,811.

44% new consumer judgments in Jersey are below £500.

27% of the consumer judgments in Jersey have amounts greater than £3,000. These add up to £461,637, 89% of the total value of new consumer judgments in Jersey in Q3 2026.

Commercial judgments in Jersey:

33 new commercial judgments were registered in Jersey in Q3 2026.

Across the last five quarters, new commercial judgments in Jersey averaged 36.

33 new commercial judgments were registered in Jersey in Q3 2026 with the total value of £412,685.

Judgments with amounts exceeding £3,000 comprise 58% of the number of commercial judgments for Jersey and represent 95% of the value of commercial judgments, adding up to £390,266.

ISLE OF MAN:

95 new judgments were registered in the Isle of Man in Q3 2026, a 28.6% decrease from the previous quarter and an increase of 10.5% from Q3 2025.

Across the last five quarters, new judgments in the Isle of Man averaged 110.

Consumer judgments in the Isle of Man:

86 new consumer judgments were registered in the Isle of Man in Q3 2026, a 30.1% decrease from the previous quarter and an increase of 13.2% from Q3 2025.

Across the last five quarters, new consumer judgments in the Isle of Man averaged 98.

86 new consumer judgments were registered in the Isle of Man in Q3 2026 with the total value of £281,316.

Commercial judgments in the Isle of Man:

9 new commercial judgments have been added to the Register in the Isle of Man in Q3 2026.

Across the last five quarters, new commercial judgments in the Isle of Man averaged 12.

9 new commercial judgments have been added to the Register in the Isle of Man in Q3 2026 with the total value of £1,290,974.

Register at the end of Q3 2026

The Register contains 5.9mn records with a total value of £13.9bn.

Records are kept on the Register for six years. This means that an analysis made on 1st October 2026 covers judgments on the Register from 1st October 2020.

88.4% of records on the Register are unsatisfied judgments and 11.6% are satisfied judgments.

There were 5,882,681 judgments on the Register at the end of Q3 2026. This is a rise of 3.7% since the end of Q2 2026, when there were 5,672,871 judgments on the Register.

From 1st July 2026 to 1st October 2026, 362,770 new judgments were recorded on the Register, accounting for 6.4% of judgments.

119,507 judgments have been deleted in Q3 2026 as the six-year threshold has been exceeded, reducing the Register by 2.1%.

33,453 judgments were cancelled, further reducing the number on the Register by 0.6%.

Out of 5.9mn judgments on the Register, 969,282 (16.5%) have 2026 as the judgment year.

335,374 judgments fall into Q3 2026 based on the judgment date.

Judgments that met the six-year cut-off prior to 1st October 2026 had already been removed from the Register – 447,137 records from 2020 in total.

88.3% of the records on the Register are consumer judgments and 11.7% are commercial judgments.

Commercial judgments can be further split into corporate and non-corporate judgments.

Corporate judgments make up 9.6% of the Register and non-corporate judgments 2.1%.

Of the total commercial judgments, 81.7% are corporate and 18.3% are non-corporate.

Value of Consumer Judgments on the Register at the end of Q3 2026

There are 5,192,287 consumer judgments on the Register with the total value of £10,622,679,119.

£277 is the most frequent consumer judgment amount, with 68,698 consumer judgments at this figure.

40% of consumer judgments are for the amounts less than £500.

The median consumer judgments value on the Register is £718.

87% of consumer judgments are below the amount of £3,000.

13% of the consumer judgments are for amounts greater than £3,000. This adds up to £6.8bn, 64% of the value of consumer judgments.

Value of Commercial Judgments on the Register at the end of Q3 2026

There are 690,394 commercial judgments on the Register with the total value of £3,227,815,186.

The top five judgment amounts (£497, £257, £912, £1,682, £407) make up 30% of the number of commercial judgments on the Register, indicating a significant concentration around these specific values.

31% of commercial judgments are for amounts less than £500.

The median commercial judgments value on the Register is £1,060.

27% of the commercial judgments on the Register are for amounts greater than £3,000. This adds up to £2.7 bn, 85% of the total value of commercial judgments.

Q3 2026 Stats Book Now Available
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