Provisional monthly statistics released today by the Australian Financial Security Authority (AFSA) show an increase in personal insolvencies during December 2025.
A total of 1,063 new personal insolvencies was recorded in December 2025, rising from 992 in November 2025 and rising from 828 in December 2024.
Of the new personal insolvencies:
- 651 were bankruptcies
- 386 were debt agreements
- 24 were personal insolvency agreements
- 2 were insolvent deceased estates.
AFSA also recorded 11 new temporary debt protections during the month. Temporary debt protections give individuals 21 days of relief from unsecured creditor enforcement, allowing time to seek advice or consider insolvency options.
Where industry information was available, the top 3 most common employment industries of an individual entering personal insolvency were:
- Construction
- Health care and social assistance
- Other services.
In December, 344 individuals entering personal insolvency were also involved in a business including sole traders, partners, or company directors. This is an increase from 298 in November 2025.
Provisional monthly statistics
Please note that these figures are provisional and subject to revision. Finalised data is available in AFSA’s quarterly personal insolvency statistics at Quarterly personal insolvency statistics.
Provisional monthly statistics for November 2025 have also been released and are available in the downloadable workbooks at Monthly personal insolvency statistics.
AFSA encourages anyone experiencing financial stress to seek support early
Free and confidential assistance is available through the National Debt Helpline at National Debt Helpline.
For those facing or considering formal insolvency options, AFSA recommends contacting a registered trustee or registered debt agreement administrator for professional guidance.
For more information about these statistics, visit Monthly personal insolvency statistics.
