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The number of judgments registered against Irish consumers and businesses was much lower in the first half of 2021 (H1 2021) compared to the same period last year, figures released today by registrar Irish Judgments show. But, the total value of those judgments registered was significantly higher.

The number of judgments registered against Irish consumers in H1 2021 was 462, a fall of 27 percent compared to the 632 seen in the same period last year. But, as the accompanying Q2 2021 press release shows, numbers are trending upwards again. The total value of registered debt owed by consumers in H1 2021 was €38 million, a rise of 37 percent compared to the €28 million seen in H1 2020.

The average value of consumer judgments registered was significantly higher in H1 2021 at €82,154, an increase of 87 percent on the €43,973 seen in the same half last year. But, the median value was actually 14 percent lower at €6,739 compared to €7,796 in H1 2020. This suggests a pattern of more, smaller judgments with a number of very large judgments pushing up the overall average.

Judgments against Irish businesses also fell significantly. The numbers of judgments registered in H2 2021 was nearly one-third lower at 213 compared to the 315 in H1 2020. As with consumer judgments, the total value of business judgments owed in H1 2021 rose from €4.3 million to €6.4 million in H1 2020, an increase of 50 percent. The average value of business judgments more than doubled, up 122 percent from €13,545 to €30,052. The median value was more or less unchanged, €5,856 compared to €5,842.

Mick McAteer, as Registrar, commented: “Government and regulatory interventions, and creditor forbearance, were clearly protecting Irish consumers and businesses from the full financial effects of Covid last year. While judgment numbers in the first half of 2021 as a whole are lower than last year, numbers now seem to be on the rise again, creating concerns that the Covid financial crisis is far from over for vulnerable consumers and businesses.”

- Ends –

Half Year 1 2020 Half Year 1 2021 Change (compared with 2020)
Judgments against consumers
volume 632 462 -26.8%
total value €27,791,106 €37,955,023 36.5%
average* value €43,973 €82,154 86.8%
median value €7,796 €6,739 -13.5%
Judgments against all businesses
volume 315 213 -32.4%
total value €4,266,779 €6,401,175 50.0%
average* value €13,545 €30,052 121.8%
median value €5,842 €5,856 0.2%
Judgments against incorporated businesses
volume 202 178 -11.8%
total value €2,994,210 €5,990,435 100.1%
average* value €14,823 €33,654 127%
median value €7,190 €5,793 -19.4%
Judgments against unincorporated businesses
volume 113 35 69%
total value €1,272,569 €410,740 -67.7%
average* value €11,262 €11,735 4.2%
median value €3,593 €6,767 88.3%
volume 2 64 n/a*
total value €14,352 €5,824,197 n/a
average* value €7,176 €91,003 n/a
median value €7,176 €9,580 n/a

For more information please contact

+44 207 391 7287

Notes for editors

Irish Judgments is part of Registry Trust, a non-profit company established in 1985. Registry Trust maintains public records of judgment and decree information for all jurisdictions in the British Isles and Ireland.

Irish Judgments holds a public register of judgments registered at the Four Courts in Dublin.

The figures are based only on judgments registered at the request and cost of creditors at the Four Courts in Dublin and therefore provide only a partial picture of debt in Ireland.

Judgments can be removed from the register if paid in full within one calendar month of the issue date and Irish Judgments is informed, but will otherwise remain registered for six years. If fully paid outside the one calendar month, the defendant can apply to have the judgment marked as ‘satisfied’ to improve their credit rating.

Anyone may search for entries against a named person or business at a stated address or a corporate body in the Republic of Ireland, Northern Ireland, Scotland or England and Wales by visiting Registry Trust’s website or by writing to Irish Judgments at Irish Judgments, Ulysses House, Foley Street, Dublin 1.