As you say -- it all depends on the framing of 'that' question. Apart from the timescales questioned, some will ask about bankruptcy, others will widen the query to cover IVA's, or any other arrangements or compounding of debts (which covers most things).
I would imagine, after the covid dust settles, IVA's will, again, be on the increase. Whether this will make lenders more accepting of them or more prudent in their lending in the first place, only time will tell.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014