QC

Monthly Filings

A five-year chart of Quebec consumer insolvency filings.


Consumer Proposals


Annual File Growth

To measure growth we compare total filings in the 12 months ended April 2023 with those in the 12 months ended April 2022.


Regions / Municipal Areas

Mean and Current Monthly Filings

We consider census metropolitan areas and regions and compare current volumes with the 10-year historical mean. Showing the current month as a percentage of the mean reveals the degree to which current filings exceed the mean.


Cities

Most Active This Month

We rank cities by the number of consumer insolvencies filed in the most recent month.

Highest Annual Growth Rate

We filter out cities having less than 120 filings per year and report the 25 having the highest growth.

City 12.mos.to.Apr2023 12.mos.to.Apr2022 Change Percent Change
Mascouche 175 109 66 60.6%
Vimont 85 55 30 54.5%
Auteuil 80 52 28 53.8%
Saint-Hyacinthe 308 210 98 46.7%
Cartierville 114 78 36 46.2%
Rouyn-Noranda 158 114 44 38.6%
Brossard 216 157 59 37.6%
Trois-Rivieres 380 278 102 36.7%
Repentigny 285 209 76 36.4%
Joliette 256 192 64 33.3%
Quebec City 834 635 199 31.3%
Maisonneuve 97 74 23 31.1%
Chateauguay 163 125 38 30.4%
Victoriaville 176 135 41 30.4%
Lachute 92 71 21 29.6%
Rosemont 289 223 66 29.6%
Saint-Laurent 221 171 50 29.2%
Hochelaga 129 100 29 29.0%
La Prairie 98 77 21 27.3%
Terrebonne 306 241 65 27.0%
Saint-Lin-Laurentides 227 179 48 26.8%
Ville-Emard 106 84 22 26.2%
Saint-Georges 121 96 25 26.0%
Duvernay 108 86 22 25.6%
Saint-Pierre 120 96 24 25.0%


Lowest Annual Growth Rate

We report the 10 cities having the lowest annual growth rates.

City 12.mos.to.Apr2023 12.mos.to.Apr2022 Change Percent Change
Val-d’Or 117 138 -21 -15.2%
Chomedey 268 314 -46 -14.6%
Rimouski 134 149 -15 -10.1%
Petite-Patrie 111 121 -10 -8.3%
Vaudreuil-Dorion 155 164 -9 -5.5%
Lachine 125 132 -7 -5.3%
Fabreville 75 79 -4 -5.1%
Sorel 152 157 -5 -3.2%
Loretteville 116 117 -1 -0.9%
Villeray 134 135 -1 -0.7%


10-Year Monthly Highs and Lows

For each city having at least 120 files annually, we determined the maximum and minimum monthly filings since 2013 and compared these to the current monthly filings to determine whether the city was experiencing an historic high or low number of filings.

Peaks - none


Lows


Forward Sortation Areas

Most Active This Month

The 30 most active FSAs in the current month and their monthly mean since 2013.

FSA FSA.Place.Name City April2023 Mean April2023.over.Mean
J0K Lanaudiere-Nord (Saint-Esprit) Rural Area 56 73.9 75.8%
G0R Appalaches (La Pocatiere) Rural Area 34 21.4 158.7%
J6E Joliette Joliette 28 21.6 129.4%
H1G Montreal North North Montreal 23 23.2 99.0%
G0A Capitale-Nationale (Stoneham) Rural Area 22 27.0 81.6%
J0B Estrie-Est (Stanstead) Rural Area 22 19.4 113.2%
J0L Monteregie-Nord (Saint-Antoine-Sur-Richelieu) Rural Area 22 33.5 65.6%
J3B Saint-Jean-sur-Richelieu Central Saint-Jean-sur-Richelieu 22 20.9 105.2%
J0H Bois-Francs-Sud (Saint-Nazaire-D’Acton) Rural Area 21 19.4 108.0%
J2B Drummondville South Drummondville 21 15.7 134.0%
J3Y Saint-Hubert Central Saint-Hubert 21 22.1 95.0%
G0S Chaudiere-Nord (Saint-Joseph-De-Beauce) Rural Area 19 20.1 94.3%
G0X Mauricie (Parent) Rural Area 19 19.5 97.7%
H1L Mercier North Montreal 19 17.8 106.6%
J4K Longueuil Southwest Longueuil 19 16.7 114.1%
J7Z Saint-Jerome Southeast Saint-Jerome 19 21.4 88.6%
J2G Granby Central Granby 18 16.3 110.6%
J7Y Saint-Jerome North Saint-Jerome 18 19.7 91.5%
G7X Jonquiere Central Jonquiere 17 14.2 119.7%
J3L Chambly Chambly 16 17.0 94.2%
J6W Terrebonne Central Terrebonne 16 15.9 100.9%
J7R Saint-Eustache Southwest Saint-Eustache 16 15.7 102.2%
G8T Cap-de-la-Madeleine Central and southeast Cap-de-la-Madeleine 15 15.2 98.7%
J1E Sherbrooke Northeast Sherbrooke 15 11.6 129.4%
J1N Rock Forest Rock Forest 15 10.2 147.7%
J8P Gatineau Southeast Gatineau 15 26.2 57.2%
J0V Laurentides-Sud (Cheneville) Rural Area 14 14.0 100.3%
J2S Saint-Hyacinthe Southwest Saint-Hyacinthe 14 13.4 104.6%
J4J Longueuil Central Longueuil 14 19.6 71.5%
J7J Mirabel Northeast Mirabel 14 12.6 111.3%


Highest Annual Growth Rates

We average over 10 years the number of monthly files in FSAs and we filter out those having less than 72 files annually. We compare the number of files in the 12-month period ended April 2023 to those in the 12-month period ended April 2022 to calculate the recent trend in filings.

FSA FSA_Place_Name City 12.mos.to.Apr2023 12.mos.to.Apr2022 Change Percent Change
J2T Saint-Hyacinthe East Saint-Hyacinthe 90 42 48 114.3%
J8B Sainte-Adele Sainte-Adele 72 36 36 100.0%
G9T Grand-Mere Grand-Mere 84 46 38 82.6%
H4L Saint-Laurent Inner Northeast Saint-Laurent 78 43 35 81.4%
J6Y Terrebonne Southwest Terrebonne 63 37 26 70.3%
G1K Quebec City Mid-Riverbank Quebec City 98 61 37 60.7%
J0V Laurentides-Sud (Cheneville) Rural Area 134 84 50 59.5%
H7M Vimont Vimont 85 55 30 54.5%
J7K Mascouche Extremities Mascouche 132 86 46 53.5%
H2K Centre-Sud North Montreal 107 70 37 52.9%
J6A Repentigny South Repentigny 119 78 41 52.6%
J4B Boucherville Boucherville 61 40 21 52.5%
G1L Quebec City Northeast Quebec City 135 91 44 48.4%
G1C Beauport Central Beauport 123 83 40 48.2%
H3W Cotes-des-Neiges Southwest Cote-des-Neiges 77 52 25 48.1%
H1X Rosemont Central Rosemont 119 81 38 46.9%
H7A Duvernay-Est Duvernay 54 37 17 45.9%
G8Z Trois-Rivieres Northeast Trois-Rivieres 78 55 23 41.8%
G3K Val-Belair South Val-Belair 79 56 23 41.1%
H2B Ahuntsic North Ahuntsic 62 44 18 40.9%
J8C Sainte-Agathe-Des-Monts Sainte-Agathe-Des-Monts 63 45 18 40.0%
H4H Verdun South Verdun 68 49 19 38.8%
G6V Levis North Levis 143 104 39 37.5%
G1M Quebec City North Central Quebec City 140 102 38 37.3%
G4X Gaspe Gaspe 63 46 17 37.0%


Lowest Annual Growth Rates

And we show the bottom 15.

FSA FSA_Place_Name City 12.mos.to.Apr2023 12.mos.to.Apr2022 Change Percent Change
J2W Saint-Luc Saint-Luc 60 83 -23 -27.7%
G7J Chicoutimi West Chicoutimi 55 76 -21 -27.6%
H2L Centre-Sud South Montreal 52 69 -17 -24.6%
H7W Chomedey South Chomedey 102 132 -30 -22.7%
J3P Sorel Central Sorel 86 104 -18 -17.3%
G1P Quebec City West Quebec City 51 61 -10 -16.4%
J9P Val-d’Or Val-d’Or 117 138 -21 -15.2%
G5L Rimouski Central Rimouski 96 112 -16 -14.3%
J4V Greenfield Park Greenfield Park 49 57 -8 -14.0%
G7S Jonquiere Northeast Jonquiere 42 48 -6 -12.5%
H2S Petite-Patrie Southwest Petite-Patrie 56 64 -8 -12.5%
J1H Sherbrooke Central Sherbrooke 149 169 -20 -11.8%
H7V Chomedey East Chomedey 81 91 -10 -11.0%
H3N Parc-Extension Parc-Extension 50 56 -6 -10.7%
H7T Chomedey Northwest Chomedey 68 76 -8 -10.5%


Notes and Data Sources

  • FSA and Forward Sortation Area are protected terms for the benefit of Canada Post Corporation.

  • Data source: The Office of the Superintendent of Bankruptcy (“OSB”), Innovation, Science and Economic Development Canada, data sets 2013 to April 2023, https://open.canada.ca/

  • We report on only consumer bankruptcies and consumer proposals as defined by the OSB. For definitions, see https://open.canada.ca/

  • Ken Rowan is a retired Licensed Insolvency Trustee and a retired CA, CPA.

Questions or Comments? Email debtsgo.ca