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The initiative aims to harmonise certain substantive rules on insolvency proceedings across the EU. The IA examines the nature and scale of the problems and who they affect. It establishes a clear intervention logic, from the problems and their drivers to the initiative's objectives and options. The IA identifies only two options, which are cumulative. It is questionable whether such options qualify as alternative options, as required in the BRGs. This range of options is very limited, and some policy measures do not have alternatives. The assessment of the economic, social and environmental impacts is mostly qualitative, but the IA also presents quantified estimates. Limitations and uncertainties in the analysis are described in a transparent manner. The IA gives an exhaustive account of the stakeholder groups' views on the problems, their drivers, the objectives and the options. The IA would have benefited from a more comprehensive analysis of the impacts on SMEs. It is in fact questionable whether the SME test has been fully performed, as it would appear from the IA that a dedicated consultation of SMEs was not conducted.