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Letters to the Editor, June 30th:  On a new approach to house building, beating gridlock and free speech

Letters to the Editor, June 30th: On a new approach to house building, beating gridlock and free speech

Irish Times8 hours ago

Sir, – Average car usage in Ireland is about 15,000km per annum, each car using 1,000 litres of petrol, or 9,000 kWh equivalent.
Most new houses, being remote from public transport, are occupied by families with two cars, meaning 18,000 kilowatt hours are expended on their travel needs, or about four times the energy consumption of a 100sq m house.
Achieving high thermal performance standards for houses comes at a significant cost, but any economies in terms of energy usage are utterly outweighed by the concomitant reliance on private car transport.
In this regard, it would be just to re-evaluate dwellings and include the average necessary transport energy associated with each dwelling before awarding a rating.
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The process of determining where houses are to be built largely founders on the issue of marketability, where every design decision is taken primarily with a view to meeting a contrived set of needs, as articulated by estate agents representing the 'average family': this need not be so.
Ireland has many not-for-profit systems for delivering housing: housing associations, housing co-operatives, local authority social housing. Some encourage end-user participation in the process, but rarely to a sufficient degree.
It is opportune to question the market-led provision of dwellings. Advanced systems of co-operative housing exist in Zurich, Vienna and throughout Europe. One method of facilitating end-user participation in housing co-operatives would be the reintroduction of long-term ground rents by the State on the extensive land bank which is in State ownership, moderating construction costs; by amortising the cost of land over, say, 60 years, one significant component of the cost of dwelling provision is addressed.
Much of the historic core, and inner suburbs, of Dublin was built by small-scale developers, typically carpenters and masons, who built short terraces on leased land.
There is a case for arranging that large-scale housing development of, say, more than six dwellings be undertaken only by Approved Housing Bodies, such as housing associations and co-operatives.
In order to address the imbalance in the nature and quality of housing, a moratorium could be placed on the acquisition of housing development land by developers, leading to a moderation in the cost of construction land, and a plurality of housing. – Yours, etc,
PAUL ARNOLD,
Ranelagh,
Dublin.
Sir – Most working mornings, the M50 grinds to a near halt, particularly during the peak hours of 7:30-9am. It's a familiar frustration for thousands of commuters.
But, in recent weeks since schools closed for the summer holidays, the difference has been striking; traffic flows more freely, journeys are shorter and the usual stress on drivers has eased noticeably.
This pattern is neither new nor surprising. Yet it raises an important question: has the Government seriously studied how school-related traffic contributes to daily congestion and, more importantly, what might be done to reduce it?
One possibility that deserves serious attention is the provision of free and reliable bus transport for post-primary students. Such a policy could yield multiple public benefits.
Fewer school drop-offs would reduce overall traffic volumes and vehicle emissions, making our roads safer and cleaner. Parents, no longer tethered to school run routines, could commute more efficiently, lowering stress and increasing productivity.
Moreover, when older students travel independently, they gain resilience, confidence and a stronger sense of personal responsibility – skills that serve them well beyond the school gates.
In short, smarter transport policies for young people could create a ripple effect of benefits across Irish society, from reduced pollution and road congestion to healthier family routines, to better outcomes for students themselves.
I believe we need to ask, are we investing in the right systems to get us and our children to where we need to go? – Yours, etc,
DR BRIGID TEEVAN,
Aughrim,
Co Wicklow.
Costs over aesthetics
Sir, – 'Cost', announces Minister for Public Expenditure Jack Chambers, will 'take priority over 'aesthetics' in future State infrastructure projects' (News, June 27th).
Ah yes, we have identified Dublin city's most pressing problem – too many beautiful (but costly) buildings springing up all over the place.
Despite the implication inherent in this ludicrous statement, I am wracking my brain to think of a single visually appealing edifice that either the State or private enterprise has constructed in the past 60 or 70 years.
I can quite easily, however, recall at least 20 beautiful, architecturally significant heritage structures that the State (through the working apparatus of local government) has seen fit to destroy and the ugly, flimsy, grotesquely expensive, wasteful eyesores that replaced them.
The idea that the State has ever prioritised how beautiful a building is over what it costs is gaslighting of the first rank.
As your excellent guide to 'Who owns Stephen's Green' (June 7th) illustrated in minute detail, the sad fact is that the State, city councils and local government haven't given a second thought to 'aesthetics' since some time around the turn of the century.
The result is there for us all to see in the pitiful hodgepodge of architectural styles and general dereliction on display across the capital. – Yours, etc,
SIMON O'NEILL,
Bray,
Co Wicklow.
Contactless travel
Sir, – I've been following the discussion of various contactless payment travel options from Cambridge to Belfast to Berlin to Corfu.
I'm currently visiting Luxembourg where all public transport is free all of the time for everyone.
No complicated payment system and citizens and visitors are rewarded for using a more environmentally sustainable transport option. – Yours, etc,
DARA HOGAN,
Greystones,
Co Wicklow.
Missing you already
Sir, – Joe Duffy has retired, sending our best to him.
But Ireland has lost its therapist and now there's no one to call to say how much we'll miss the man we called about everything. – Yours, etc,
FIONA HICKEY,
Ashbourne,
Co Meath.
Play that again, Van and Neil
Sir, – Last Thursday I fulfilled a lifelong ambition by hearing Neil Young and Van Morrison live in concert. Like many people in that cold field in Malahide, I've been enjoying their music for nearly 50 years.
As your reviewer said, their voices have never sounded better and both men were surrounded by amazing musicians ('
Neil Young and Van Morrison at Malahide Castle: Decades on, these voices have never sounded better
,' June 27th).
This made it all the more disappointing that each chose to sing so many songs – albeit great songs – that many of their audience didn't know.
We were wet, we were cold, some of us have bad backs, sore hips, were afraid to sit (even for the very few hours that the grass was dry) in case we couldn't get up again, but we felt no pain during Gloria and Harvest Moon and Old Man.
There just weren't enough of the songs that brought us to Malahide in our droves.
These wonderful artists are still producing great new music and that, in itself, is inspirational.
But could we not have heard a few more of the songs that have been inspiring us all of our adult lives?
Some part of me feels that we, their lifelong fans and audience, deserved more consideration.
The opportunity may never come again.
It really would have been a marvellous day for a moondance... – Yours, etc,
MÁIRÍN O'KEEFFE,
Drumshanbo,
Co Leitrim.
Ireland and EU membership
Sir, – Philip Brady (Letters, June 28th) comments that maybe it's time for those countries that feel as strongly as Ireland about the Gaza situation to take unilateral action.
Does he also think that on other matters where there is no agreement that again countries can go it alone?
The whole point of the EU is we act in a united way for the benefit of all.
The UK did not like this stance and took the ultimate action and ended up leaving.
We cannot have our cake and eat it with regard to our membership of a union that has made a huge difference to the country.
It's a slippery slope he advocates to only do those things that we agree with and ignore those we do not like. We may be an island, but we are also part of Europe and while the decisions made can be unpalatable at times, that's what we signed up for when we joined the EU.
We are a member of the EU and in it for the long haul, we can still shout loud and strong to have things changed from the inside, unlike our neighbour. –Yours, etc,
JOHN BERGIN,
Oxton Wirral,
England.
Sir, – Surely I am not the only one who feels we are compromising too much to humour the US administration?
Last week, a two-pronged assault on global safety was launched: the defunding by the US of the global vaccine alliance, and the redirection of 5 per cent of Nato members' budgets into military spending.
We have endless evidence that weapons tempt their owners to use them.
Having lived in the Global South and seen people's bodies severely damaged, or their lives cut off, by disease that is preventable by vaccination, while learning from pandemics how swiftly viruses cross borders, to cut vaccination programmes and development is to sow death.
No one is safer today. And although the cost to our economies of standing up to bullies may be great, the value of life is priceless. – Yours, etc,
WENDY PHILLIPS,
Co Dublin.
Free speech and working in the US
Sir, – Fifty-two years ago, The Irish Times published my letter deploring US complicity in the coup against Salvador Allende in Chile.
Four years later I was granted a student visa to pursue a PhD at Harvard; I've subsequently married an American, had children and grandchildren here and obtained US citizenship.
In 2025, my excoriation of US actions would likely forestall my obtaining a US visa.
So much for our vaunted First Amendment, and our pontifications about freedom of speech. – Yours, etc,
GERARD S HARBISON,
United States.
Sir, – Reading Geraldine Gregan's letter regarding social media and US visas (Letters, June 25th), I was returned to the memory of my arrival in New York in 1985: How sweet is recall of innocence – and equally sweet – that of innocence lost.
Let me explain: Soon after I arrived, I enrolled and completed the bartending course with the American Bartending School, with the promise of referrals to jobs on offer at that time, spring 1985.
The school sent me for an interview at Charlie O's in Manhattan. I arrived and waited for my interview . The manager walked in, looked at me, and without even approaching me, or interviewing me, he said to his assistant manager: 'He's fine, give him a schedule.'
Likewise at the Department of Motor Vehicles, I presented my British learner permit, with the expectation of getting a US learner permit. The lady glanced at my UK document. 'That'll do, we'll send you a licence,' she said. Soon after, it arrived.
I relate these stories to present a time when there was a certain innocence, and what I felt was an endearing sense of trust, all of which changed on September 11th, 2001: Innocence lost!
As I taught an English literature class at La Salle Academy, suddenly, the 13-year-old students raced to the windows. In the near distance were those monstrous planes. The persistent odour of burning and smoke hung in the air for many months.
America changed. Documents now scrutinised, checked every six months, even when in the same job for years.
I look back sweetly at those casual times when documents got just a glance and getting hired to do a job was uncomplicated.
While I acknowledge the need for stringent security measures since that fateful day, I feel that now in the Trump era, the scrutiny goes too far – files and more files, with information gleaned from phones and from sources that are not the government's business to probe.
Long-established US citizens are not exempt or safe from investigation.
Am I over-stretching to suggest images of East Germany's Stasi with warehouses full with thick and ever thickening files on the population's lives?
Having said all that, America is and will always be for me, a sweet and satisfying memory. – Yours, etc,
PADDY FITZPATRICK,
Cathedral Ave,
Cork.
Hospital appointments
Sir, –Recently a woman I know, who has a long-term serious illness, had an 8.30am hospital appointment, although she lived more than three hours' drive from the venue.
This meant that she had to get up at an unearthly hour and drive there, mostly in winter darkness on secondary roads, adding to the stress and danger of having a traffic accident.
The alternative would have been for her to drive the previous day and seek accommodation for the night in a hotel or B&B nearer to the hospital, adding to the cost, but reducing the stress somewhat.
Surely it is not beyond the bounds of possibility for planners to come up with a system that allows those patients who live further from the hospital to have appointments scheduled for later in the day?
This wouldreduce the stress and the danger of motor accidents and, in some cases, the cost of an overnight stay, a cost that can be quite considerable for some patients. – Yours, etc,
BOBBY CARTY,
Templelogue,
Dublin.

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‘When do new rental rules take effect?' ‘Can I be asked to move out now?' Your tenant and landlord questions answered
‘When do new rental rules take effect?' ‘Can I be asked to move out now?' Your tenant and landlord questions answered

Irish Times

time3 hours ago

  • Irish Times

‘When do new rental rules take effect?' ‘Can I be asked to move out now?' Your tenant and landlord questions answered

In the months ahead there will be a dramatic overhaul of Ireland's rental sector, with some of the changes already coming into effect after the Government rushed through emergency legislation aimed at making the whole State a Rent Pressure Zones (RPZs) . But as with any change – particularly with something as fundamental as the homes in which hundreds of thousands of people live – there is confusion and fear. And there are a lot of questions. Will rents go up? Will they go down? Will I be able to find a home? Will I be able to stay in my home? Will I be able to sell the rental property that I own or will I be tied to my tenants in perpetuity? And of course, will the changes work? READ MORE With regard to that last question, it is in everyone's interest that they do, because things need to change. Housing in Ireland is an absolute disaster , with thousands of people living in emergency accommodation because there is nowhere else for them to go, and many thousands more living in unsuitable homes because they cannot find anywhere better suited to their needs, to either buy or rent. Property prices are soaring as a result of huge strains on supply, and rents are going through the roof and climbing faster than at any point over the past 20 years. The national monthly average rent between January and March surpassed €2,000 for the first time, according to a report from That compares to a low of just €765 in 2011. [ Thousands of holiday lets will need planning permission due to Rent Pressure Zone changes Opens in new window ] Much of that increase is down to a lack of supply. There were just 2,300 homes available to rent nationally on May 1st, down 14 per cent year-on-year and the third-lowest total for May in 20 years. In a properly functioning market, that number should be closer to 10,000. This is the context in which the Department of Housing announced details of changes to the rental market, with the changes focused on RPZs in many cases. RPZs were initially introduced in 2016 to try to slow the rate of rent increases recorded in areas where there was a very high demand for housing. Dublin and Cork were the first areas covered but, as the housing crisis got worse, more RPZs were rolled out, with about 80 per cent of the State covered at the start of the year. It is now 100 per cent. In these locations, as it stands, rent increases cannot be greater than the rate of inflation or 2 per cent – whichever is lower. Under the changes, rents in new-build apartments will be free from some of the shackles imposed by RPZs, while landlords will be able to reset rents to market rates after a six-year period – at least when it comes to tenancy agreements signed after the beginning of March next year. The option of 'no-fault evictions' for landlords with four or more tenancies will be removed, while there will also be a reduction in the number of reasons a smaller landlord can evict a tenant who is following all the rules set out in their lease. In recent weeks we have invited readers to submit questions about the changes and what they might mean. Here are just a small selection of the ones that were asked. I have lived in rented accommodation for five years and had a rent increase a few months back. I live outside an RPZ. When can my landlord increase my rent again? And by how much? If you're outside an RPZ, your landlord can only review your rent every two years, so that continues even with the designation of the whole State as an RPZ. If the rent review took place six months ago, the next review will be in 18 months' time. As you are now in an RPZ, you fall into the annual cycles, and all subsequent rent reviews will be on an annual basis. When the rent is reviewed in 18 months, it will in line with inflation over that two-year period up to a maximum of 2 per cent for each year, so the maximum increase that could happen in 18 months would be 4 per cent. I have the same tenants in my rental property for more than 10 years – their rent is way below market rent. Can I increase their rent now? You will have to adhere to the rent review cycles that are currently in place. The resetting of rents to the market rate is not allowed for current tenancies. My husband and I jointly own four rented properties. Do we fall into the small or large landlord category? The properties are owned jointly, so jointly you have more than three properties and as a result are classified as large landlords. Under the new rules, people are considered large landlords if they have more than three properties, and they will have limited rights to end a tenancy after March 1st next year As a landlord, what rights do I have under the rules when it comes to evicting tenants or selling up? I am told I can sell if I am in economic hardship – but who will decide what constitutes economic hardship? The exact parameters under which small landlords – those who own three or less properties – will be allowed to evict a tenant will be laid out in the legislation when it's published later this year, but the types of scenarios that will be included will be immigrants returning from abroad who rent their properties at home but need them back. Properties can also be reclaimed for close family members or people who require their property back due to separation. And then there's financial hardship or bankruptcy. It is not clear exactly who will be the arbiter of economic hardship, but that will be laid out in the legislation. It would seem likely that as with any other disputes, the Residential Tenancies Board (PRTB) would deal with such matters. My tenants moved out today of their own accord. Can I increase rent to market value now or do I have to wait until March? The current legislative regime applies, prohibiting an increase of above 2 per cent in an RPZ. As it stands, even if the property becomes vacant and goes back on the market, the rent cannot increase by more than that. Will landlords charging €1,000 in an area where the market rate is €2,000 today not be incentivised to hold off on renting out the property now, at €1020 , and instead hold off until March, when they will be able to rent it out for €2,000? That is certainly going to be an issue in some cases – and the numbers will illustrate why. Were they to rent a property tied to RPZ caps at €1020 from tomorrow, they would get €12,240 over the next 12 months. If they held off and rented it from March 1st next year and reset the rent to the market rate of €2,000, then between March and June of 2026, they would earn €8,000, leaving them down €4,240 on what they might otherwise have earned. However, those landlords who wait so they can reset the rent would, over the following 12 months, get €24,000, compared to €12,240 for those who rent under the current conditions. When does the six-year tenancy begin? Is it from the date the tenancy began or from the date the proposals become law? The six-year tenancy rule that is being included in the overhaul will apply to new tenancies starting after March 1st next year, with the current rules applying to tenancies that start before that date. I am a one-property landlord, due to carry out a rent review on my property in October 2025 with my tenant, and I am confused as to what rules apply. The bottom line is the current rules are going to apply until the legislation is passed, and the new rules are enacted in March of next year, so it will be as you were in October. If you were outside an RPZ as of the start of June, it might be that you haven't reviewed the rent in two years so you might be able to increase the rent by up to 4 per cent. There's a RPZ calculator on the PRTB website, which also has all the information about the current rules in an easily accessible format. Given that new tenancies will be a minimum six-year duration, unless a tenant gives notice, will it no longer be necessary to register every tenancy every year with RTB? You will still need to register every year. The six years window is somewhat notional, as many tenants won't stay in any one property for that long. The annual registration is considered important because it provides information about how the market is working. I am a 65-year-old landlord. Most likely I will sell up in the next four to five years, as cash will be needed. Will I have to give my tenants a six-year contract from March 2026? In my situation I feel this is not possible, so I may have to sell sooner? If they are existing tenants, then nothing changes, and as their landlord you will still have the same rights to end the tenancy. But even beyond that, if a landlord in this situation has one property and needs it for a pension, they may fall under the hardship provision, which would give them an entitlement to sell it. They would also be able to sell with the tenant still living there. The capacity for future landlords to reset the rent to market rates should make it more attractive in the future for landlords to buy off other landlords, as they will not be restricted by the rent previously charged in perpetuity. If a property owner has four properties, how can they sell one or allow their children to use it for college? Under the new rules, people are considered large landlords if they have more than three properties, and they will have limited rights to end a tenancy after March 1st next year, so someone in this position who would like to use a property for a family member in the future should think about this sooner rather than later. [ Rent pressure zone changes will be painful for tenants, Central Bank warns Opens in new window ] Can I put the rent up to market rent or at least more than 2 per cent after six years if the same tenants remain with me? The answer is yes if the tenancy is created after March 1st next year, and no if it is created before then. When do all these changes take effect? The plan is for all the changes to be in place for the beginning of March, but it requires legislation. The department of housing expects to publish legislation before the end of the year. I'm renting, and my lease has been in place for eight years, with rent increases each year, in line with the RPZ rules. But can we now be asked to move out, as it's more than six years since the lease began? The answer is just a simple 'no'. The rules, when they change, will only change for new tenancies, not existing ones. If the lease has been in place for six years, the landlord obviously has the right to sell the property or to end the tenancy for various reasons. So if someone has been in a rental property for eight years, they cannot be asked to move out just like that, but they will not have the same security that new tenants will have. The changes require legislation to be published, and when it is ready there will be a detailed communications campaign to make sure all landlords and tenants are fully aware of the changes With the new six-year tenancy rule coming in next March (when my tenant's new tenancy will come into place as the old one runs out), this will mean a right to stay for six years. However, my interest-only mortgage ends in 2029, and it had always been my intention to sell the property to clear the mortgage close to end of the mortgage term. Will it no longer be possible to sell with vacant possession due to new rule? Unless this was a case of economic hardship, you might not be entitled to sell with vacant possession in 2029, as the tenant will be three years into the six-year term. But if the tenancy agreement is in place before March 1st, then all the old rules apply. It is important to stress that old tenancies will not just run out on February 28th next year. They will continue, and both tenants and landlords will have the same rights as they do today. I have a rental property in Cork that was voluntarily vacated by the tenants a few weeks ago. It is rent-capped currently at €1,050 per month. The market rent is approx €1,800 per month. I intend to re-let the property and I'm in the process of doing a few improvement works so it should be ready to re-let say next month. Am I better off keeping the property vacant until the new rental rules kick in, on March 1st next year? We have answered this already, but a key phrase here is 'a few improvement works'. Under the existing rules, there is an exemption if a landlord carries out a substantial change to the property, so it would very much depend on what you mean by 'improvements'. A lick of paint will not allow you to increase the rent beyond the 2 per cent if you are in an RPZ, but a dramatic remodelling might, which would make the question moot. I have a property let since 2015 to four teachers. I also have a mortgage on the property. I have not raised the rent since 2015, but the original tenants have all moved out and the current occupiers have replaced the originals over time. What obligation do I have to these new occupiers, as none of them signed the original lease? You might need to get legal advice with regard to what tenancy rights the occupants have, but you would be wrong to assume that just because an existing tenant has not signed a lease, they have no rights. Someone who has been living in the property with the agreement of the landlord and paying rent as agreed would almost certainly be classified as a legal tenant, with all the rights that brings. I've been renting a three-bed house for my family of four for 10 years, while also renting out my own small two-bed apartment to a lone parent with one child. The rent I'm paying goes up every year, but is nowhere near the market rate, and the same applies to my tenant. If my landlord resets my rent in six years to the market rate, it would double, and if I reset the rent also, my tenants' rent would double too. Neither of us can afford this, and in such circumstances I would be forced to evict my tenant and squeeze my family into a small two-bed apartment. In that case, where would my tenant and child go? How does it all make sense? If you and the person you are renting to are existing tenants with existing leases, then the new rules will not apply. When will we have a clear picture of what the changes mean? The changes require legislation to be published, and when the legislation is ready there will be a detailed communications campaign run by the Department of Housing and the PRTB to make sure all landlords and tenants are fully aware of all the changes. But landlords and tenants in existing rental arrangements do not have to worry too much about what might happen next, and they have some time and space in which they can figure out how the changes might impact them for any rental agreements drawn up after March 1st next year. The PRTB website should be the first port of call for anyone looking for answers.

Over 43,000 properties leave private rental sector
Over 43,000 properties leave private rental sector

Irish Times

time3 hours ago

  • Irish Times

Over 43,000 properties leave private rental sector

More than 43,000 properties have exited the private rental sector over the past five years, according to estate agent Sherry Fitzgerald, which said Ireland's 'stringent rent controls' are leading investors to seek more favourable markets. We have the story. In the right hands, artificial intelligence can clearly be a force for great good, but Pilita Clarke keeps coming across people who know how dire it can be in the wrong hands . In her column today, she talks about how there has been a distinct rise in the number of vastly more detailed, lengthy and outwardly credible correspondence to HR departments and employment tribunals since the arrival of ChatGPT. The problem is the information is not always accurate. Meanwhile, court-appointed liquidations in the first half of the year have more than tripled with enforcement actions linked to the conclusion of Revenue's debt warehousing scheme, according to a report by PwC. READ MORE In our Your Money Q&A , a reader asks if it is worth their while giving half of an inheritance received from a brother in law in the UK to their husband to avoid tax. Dominic Coyle offers some guidance. If you'd like to read more about the issues that affect your finances try signing up to On the Money , the weekly newsletter from our personal finance team, which will be issued every Friday to Irish Times subscribers. After some difficult trading years post the pandemic, Mayo-based Grace O'Malley Spirits is once again in growth , with an eye on emerging markets and plans for visitor centre in Westport. Hugh Dooley spoke with co-founder Stephen Cope about its resurgence. In his weekly column, John FitzGerald notes that while farm incomes rose substantially last year, the agri sector faces a likely drop in EU subsidies while also having to adapt to rules on climate change and land use. Retailer SuperValu is expanding into pet cover in bid to be 'one stop shop' for insurance. Hugh Dooley has the details. Elsewhere, US-founded artificial intelligence firm Partsol is to create at least 25 new jobs before the end of the year as it accelerates international expansion from its global headquarters in Dublin. In Me & My Money , Jerry Staple, founder of IntrinsicAI, outlines his view to Tony Clayton-Lea on investing: 'Time and compounding do the real work. Patience beats cleverness.' Why are Irish genetic tests still being sent to laboratories abroad? Paul Reid, managing director at Genseq , a commercial entity with an accredited clinical genetic testing laboratory in Dublin, offers a solution to that question in our Opinion piece . Nvidia is outpacing Microsoft and Apple on the path to a $4 trillion market valuation. Stocktake explains why.

Court-appointed liquidations triple as Revenue ends debt warehousing scheme
Court-appointed liquidations triple as Revenue ends debt warehousing scheme

Irish Times

time3 hours ago

  • Irish Times

Court-appointed liquidations triple as Revenue ends debt warehousing scheme

Court-appointed liquidations in the first half of the year have more than tripled with enforcement actions linked to the conclusion of Revenue 's debt warehousing scheme, according to a report by PwC . PwC's latest Insolvency Barometer, analysing insolvencies for the second quarter of 2025, shows insolvencies remain steady at 2024 levels despite an almost 20 per cent uptick in the second quarter of 2025. However, court-appointed liquidations rose by nearly 40 per cent in the second quarter to 34 compared with 25 in the first quarter, bringing the total to 59 for the first half of the year – more than three times that recorded (19) during the same period in 2024. The Office of the Revenue Commissioners was the petitioner of 38 of these 59 cases. For the same period last year, there were five Revenue petitions. READ MORE PwC said the uptick 'suggests that the elevated enforcement actions are linked to the recovery of debts following the conclusion of Revenue's debt warehousing scheme'. The scheme, which included a 0 per cent interest rate, was introduced in 2020 to provide liquidity support to businesses during the Covid-19 crisis, allowing them to defer paying various tax liabilities until their financial position returned to normal. The number of retail insolvencies more than doubled in the second quarter of 2025 (53) compared with the first quarter of the year (25). 'This increase comes after the industry demonstrated strong resilience post-Christmas,' PwC said. However, despite the spike in the second quarter, the total number of retail insolvencies for the first half of the year (78) is still slightly lower compared with the same period last year (84). The hospitality industry recorded 35 insolvencies in the second quarter, which was a decrease of 19 per cent from 43 insolvencies recorded the previous quarter. This level of hospitality insolvencies is closely in line with the average of 39 insolvencies per quarter observed across 2024 and the first quarter of 2025, 'indicating a consistency within the industry due to ongoing macroeconomic and sector-specific challenges', the report said. The second quarter of 2025 saw an almost 20 per cent rise in overall insolvencies compared with the first quarter, bringing total insolvencies for first half of 2025 in line with the same period of 2024. The second quarter of 2025 recorded 229 insolvencies, an almost 20 per cent increase compared with the lower insolvencies in the first quarter (192). At the same time, total insolvencies for the first half of the year (421) are exactly in line with the number of insolvencies recorded in the same six-month period of 2024. 'This consistency suggests that the Irish economy and Irish businesses continue to demonstrate resilience amid domestic challenges and international geopolitical uncertainties,' PwC said. Receivership appointments fell significantly to 19 in the second quarter from the 36 recorded in the first quarter. The total number of receiverships for the first half of 2025 stands at 55, an increase of 17 per cent over the same period last year (47). The report shows an annual insolvency rate of 29 per 10,000 businesses. The current rate is more than double the rate of 14 per 10,000 recorded in 2021 and remains below the 20-year average of 50 per 10,000 businesses. The annual insolvency rate remains far below the previous peak of 109 per 10,000 businesses recorded in 2012.

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