The year 2025 concluded with particularly positive results for the out-of-court debt settlement mechanism, as a total of 50,710 successful debt arrangements were recorded, corresponding to initial debts worth €15.7 billion, according to consolidated data through the end of the year.
The significant increase in monthly settlements is directly linked to the improvement measures implemented in April 2025, which enhanced the functionality and effectiveness of the mechanism. Meanwhile, the monthly approval rate reached 80%, reflecting greater creditor responsiveness. The same data shows that approximately one-third of monthly arrangements stem from the special initiative targeting the middle class.
Out-of-court mechanism: 2,294 successful arrangements in 2025
Specifically, December 2025 recorded 2,294 successful arrangements. Of these, 615 involved middle-class debtors, 233 financially vulnerable households, while 32 arrangements concerned debtors with disabilities. Additionally, by year-end, 404 debtors managed to suspend scheduled auctions by utilizing the advance payment measure provided by the mechanism.
The fourth year of the tool’s implementation closes with 21,680 successful restructurings within 2025, while 2022, the first year of operation, achieved 2,706 arrangements. Comparing the two years, the increase represents approximately 700%.
Regarding bilateral arrangements with financial institutions, November 2025 recorded settlements totaling €356 million, corresponding to 5,700 debtors. These arrangements result from agreements with the four largest servicers: Intrum, Cepal, DoValue and Qquant, with the majority concerning mortgage loans.
For citizen services on over-indebtedness issues, the primary communication tool is the myEGDIXlive platform. In 2025, 49,893 citizens and advisors were served, compared to 47,358 in 2024. The same year saw 38,244 appointments for the out-of-court debt settlement mechanism, 4,039 appointments for vulnerable debtor certification services, vulnerable debtor contribution programs and monetary debt certification, 3,569 appointments for general debt management information, and 2,477 appointments for the Code of Ethics.
For the upcoming period, the launch of a fifth service on myEGDIXlive is announced to support users of the Early Warning Mechanism platform. The new service will provide technical assistance in platform usage and advisory services to individual debtors classified at moderate or high insolvency risk levels.
