France over-indebtedness applications filed
France over-indebtedness applications filed stood at 13,169 Number in Sep 2026, according to Banque de France – Webstat (webstat.banque-france.fr). It is one of the indicators in the Over-indebtedness and financial inclusion table (Value · Monthly), with a complete series running from Jan 2019 to Sep 2026. The complete series with an interactive chart, free to download.
This indicator in the Over-indebtedness and financial inclusion table
| Indicator | 09-2026 | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| France | |||||||||||
| Over-indebtedness applications filed | 13,169 | 12,001 | 13,463 | 14,417 | 11,499 | 14,628 | 15,869 | 14,052 | 12,473 | 12,722 | |
| Bank designations under the right to a bank account | 1,630 | 1,381 | 1,485 | 1,573 | 1,402 | 1,823 | 1,898 | 1,863 | 1,880 | 1,848 |
Understanding france over-indebtedness applications filed
This series tracks the total monthly volume of formal dossiers submitted by consumers seeking relief from severe personal financial distress. The count encompasses formal submissions reviewed by administrative commissions that determine eligibility for debt restructuring, repayment plans, or liquidation procedures. Business debts and professional liabilities are strictly excluded, as the scope is limited to residential household obligations such as consumer loans, housing credit, and everyday utility arrears. Unlike subsequent registers that capture specific penalties or banking exclusions, this metric captures the initial formal step taken by individuals entering the statutory framework for debt relief.
Interpreting this dataset requires careful attention to recurring calendar patterns, as administrative closures during holiday periods routinely depress monthly filing volumes. Early estimates are subject to minor consolidation adjustments as regional secretariats process pending files. Analysts should prioritize year-on-year comparisons over month-on-month shifts to filter out regular administrative lulls and seasonal processing variations. A common analytical pitfall is equating every submitted dossier with an immediate debt cancellation, whereas many files undergo lengthy mediation before reaching a formal agreement or judicial recommendation.
Frequently asked questions
- What triggers the recording of an over-indebtedness application?
- A filing is officially recorded when a consumer submits a complete dossier to the designated administrative commission, formally requesting intervention to resolve insurmountable repayment difficulties.
- Are corporate or sole proprietor debts included in these filings?
- No, this measure strictly applies to private individuals whose debts stem from personal and household commitments rather than commercial business operations.
- Why is a year-on-year comparison preferred over monthly changes?
- Monthly figures frequently fluctuate due to administrative processing schedules and holiday closures, making annual comparisons much more reliable for identifying true shifts in consumer financial distress.