About the December quarter 2025 statistics
Our quarterly statistics are AFSA's official personal insolvency statistics on the number of people entering personal insolvencies each quarter. All data is correct as at 31 December 2025.
Read our commentary in the media release: New personal insolvencies increase in the December quarter 2025.
Personal insolvencies by state and territory
This map shows quarterly data on new personal insolvencies reported across each Australian state and territory.
Note: 112 cases are classified as 'Other'. These are new personal insolvencies that report an address that is outside Australia’s states and main territories or is unable to be published.
Personal insolvencies by location
This chart shows quarterly personal insolvencies by greater capital city region and regional areas (rest of state), based on the reported residential address at the time of insolvency.
Personal insolvencies by type
This chart shows the changes in each type of personal insolvency between the December quarter 2024 and the December quarter 2025. It breaks total personal insolvencies into bankruptcies, debt agreements, personal insolvency agreements and deceased estates.
This chart shows a year-on-year comparison of total personal insolvencies for the same quarter (▲ 14.0%).
Business-related personal insolvencies
This chart shows the proportion of people entering personal insolvency who have reported involvement in a business within the last 2 to 5 years.[1]
Personal insolvencies over 10 years
This chart shows the quarterly totals of people entering personal insolvency over a 10-year period.
Download the data
Access Australian personal insolvency data from September 2007 onwards via our downloadable workbooks.
Quarterly personal insolvency statistics time series
Available in 2 formats (XLSX and CSV), these workbooks include quarterly records of personal insolvencies – including state and territory, region, and type of personal insolvency administration.
Technical notes
Our quarterly statistics are AFSA's official personal insolvency statistics and are not subject to revision unless an error is identified. Full financial year data is released with the June quarter statistics.
We also publish monthly provisional statistics, which are subject to change due to data development during the quarter. As a result, our provisional and official personal insolvency statistics may not reconcile at the time of publication.
Personal insolvency data is reported on a debtor basis. Most of the data for our official statistics is collected from the Statement of Affairs form.
Every person who becomes bankrupt, or proposes a debt agreement or personal insolvency agreement, must lodge this form with AFSA. Aggregated data are confidentialised to protect the privacy of individuals.
Bankruptcies include people who have entered personal insolvency via a debtor's petition or a sequestration order.
State and territory data are aggregated according to the States and Territories (S/T) level in the Australian Statistical Geography Standard (ASGS) Australian Bureau of Statistics (ABS) Structures hierarchy.
Regional data are aggregated according to Statistical Areas Level 3 (SA3) and the Greater Capital City Statistical Areas Structure (GCCSA) of the ASGS standards' ABS Structures hierarchy. AFSA does not publish data for SA3 aggregations that contain fewer than 3 personal insolvencies.
GCCSAs are named according to the cities they represent, for example, 'Greater Sydney'. The remainder of the state and territory is named 'Rest of <State>'. The exception to this is the Australian Capital Territory, which only has one GCCSA region for the whole territory and a region covering other territories.
'Other Territories' includes Jervis Bay, Christmas Island, Cocos (Keeling) Islands and Norfolk Island and isn't included in data visualisations due to consistently low numbers.
The 'Other' category by state and territory includes new personal insolvencies where a person's address is:
- recorded on the statement of affairs as an overseas address or as being in Australia's other territories
- has been suppressed on the National Personal Insolvency Index
- is incompatible with ASGS standards
- is unknown.
[1] Business-related personal insolvency is where a person has indicated on their statement of affairs that they have had an involvement or 'interest' in a business within:
- 5 years before entering bankruptcy or
- 2 years before entering a debt agreement.
Involvement or an 'interest' in a business includes:
- trading as a sole trader (including as contractor, sub-contractor or similar)
- being in a partnership
- being a company officeholder (director or secretary) or
- holding a management role in a company.