New personal insolvencies across Australia have increased in the September quarter 2025 compared to the September quarter 2024, according to new statistics released today by the Australian Financial Security Authority (AFSA).
There were 3,524 new personal insolvencies in the 3-month period to September 2025, up 6.6% from 3,307 in September 2024.
National data shows personal insolvencies increased in Victoria, Queensland, South Australia, Western Australia, Northern Territory and Australian Capital Territory compared to the September quarter 2024. Volumes dropped in New South Wales and Tasmania.
Of the September quarter 2025 personal insolvencies, over a quarter (29.4%) were business-related.
AFSA Chief Executive and Inspector-General in Bankruptcy, Tim Beresford, said:
“The September quarter 2025 shows another moderate increase in personal insolvencies. This moderate upward trend has appeared in the past two quarters, reflecting ongoing cost-of-living pressures on individuals and businesses. We continue to see an increase in business-related personal insolvencies compared to previous years, although in line with the June 2025 quarter. However, personal insolvencies remain at historically low levels overall.
Australians experiencing financial difficulty should seek help early from trusted sources to assist in finding a solution that works for their circumstances.”
Financial counsellors and registered insolvency professionals can help to review individual situations and help plan an appropriate response.
Free confidential assistance is available through the National Debt Helpline or via phone at 1800 007 007.
- For help with budgeting, Money Smart has some easy-to-use tools available at moneysmart.gov.au
- More information about these statistics is available at Quarterly personal insolvency statistics.
Summary of national figures:
September quarter 2025:
- 1,866 were bankruptcies
- 1,585 were debt agreements
- 66 were personal insolvency agreements
- 7 were insolvent deceased estates
Of the 3,524 new insolvencies in the September quarter 2025, 1,036 personal insolvencies were business-related, up from 924 in the September quarter 2024.
