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Data to May 2023. For data source see notes following.


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 May 2023 with those in the 12 months ended May 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.May2023 12.mos.to.May2022 Change Percent Change
Mascouche 186 113 73 64.6%
Vimont 93 57 36 63.2%
Cartierville 117 75 42 56.0%
Auteuil 80 52 28 53.8%
Saint-Hyacinthe 312 215 97 45.1%
Brossard 226 158 68 43.0%
Cote-Saint-Luc 107 75 32 42.7%
Saint-Laurent 223 158 65 41.1%
Trois-Rivieres 389 278 111 39.9%
Terrebonne 329 242 87 36.0%
Laval-sur-le-Lac 76 56 20 35.7%
Quebec City 851 630 221 35.1%
Repentigny 285 211 74 35.1%
Rock Forest 108 80 28 35.0%
Charlesbourg 191 143 48 33.6%
Jonquiere 254 192 62 32.3%
Joliette 261 199 62 31.2%
Rosemont 294 225 69 30.7%
Rouyn-Noranda 156 120 36 30.0%
Laval-des-Rapides 215 166 49 29.5%
Sainte-Sophie 99 77 22 28.6%
Beauport 348 272 76 27.9%
Maisonneuve 96 76 20 26.3%
Saint-Lin-Laurentides 230 183 47 25.7%
Verdun 178 143 35 24.5%


Lowest Annual Growth Rate

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

City 12.mos.to.May2023 12.mos.to.May2022 Change Percent Change
Val-d’Or 118 139 -21 -15.1%
Rimouski 134 152 -18 -11.8%
Chomedey 276 308 -32 -10.4%
Petite-Patrie 115 125 -10 -8.0%
Saint-Pierre 105 112 -7 -6.2%
Buckingham 108 114 -6 -5.3%
Villeray 138 144 -6 -4.2%
Vaudreuil-Dorion 161 167 -6 -3.6%
Loretteville 118 117 1 0.9%
Fabreville 81 79 2 2.5%


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.

New Highs - none


New 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 May2023 Mean May2023.over.Mean
J0K Lanaudiere-Nord (Saint-Esprit) Rural Area 38 73.6 51.6%
G0A Capitale-Nationale (Stoneham) Rural Area 35 27.0 129.5%
H7N Laval-des-Rapides Laval-des-Rapides 33 21.3 155.2%
J0L Monteregie-Nord (Saint-Antoine-Sur-Richelieu) Rural Area 33 33.5 98.4%
G0X Mauricie (Parent) Rural Area 28 19.5 143.4%
G0R Appalaches (La Pocatiere) Rural Area 24 21.4 111.9%
J4J Longueuil Central Longueuil 24 19.6 122.4%
J6E Joliette Joliette 23 21.7 106.2%
J2B Drummondville South Drummondville 22 15.7 139.9%
J7Z Saint-Jerome Southeast Saint-Jerome 22 21.4 102.6%
G0S Chaudiere-Nord (Saint-Joseph-De-Beauce) Rural Area 21 20.2 104.2%
G1E Beauport South Beauport 20 15.2 131.8%
J3B Saint-Jean-sur-Richelieu Central Saint-Jean-sur-Richelieu 20 20.9 95.6%
J0B Estrie-Est (Stanstead) Rural Area 19 19.4 97.8%
J3Y Saint-Hubert Central Saint-Hubert 19 22.1 86.1%
J7J Mirabel Northeast Mirabel 19 12.6 150.4%
J7Y Saint-Jerome North Saint-Jerome 19 19.7 96.6%
J0J Monteregie-Est (Bedford) Rural Area 17 17.4 97.6%
J7E Sainte-Therese-de-Blainville Central Sainte-Therese-de-Blainville 17 16.6 102.2%
J8T Gatineau Southwest Gatineau 17 22.1 76.8%
G1H Charlesbourg South Charlesbourg 16 14.1 113.2%
H1B Montreal East Montreal 16 12.3 130.0%
H1E Riviere-des-Prairies Southwest Montreal 16 15.1 106.3%
J6N Beauharnois Beauharnois 16 7.9 201.8%
J6W Terrebonne Central Terrebonne 16 15.9 100.9%
G9A Trois-Rivieres East Trois-Rivieres 15 12.4 121.1%
J0X Outaouais-Sud (Thurso) Rural Area 15 21.2 70.6%
J2S Saint-Hyacinthe Southwest Saint-Hyacinthe 15 13.4 111.9%
J7K Mascouche Extremities Mascouche 15 15.7 95.3%
J9J Aylmer North Aylmer QC 15 11.0 136.3%


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 May 2023 to those in the 12-month period ended May 2022 to calculate the recent trend in filings.

FSA FSA_Place_Name City 12.mos.to.May2023 12.mos.to.May2022 Change Percent Change
H4L Saint-Laurent Inner Northeast Saint-Laurent 83 39 44 112.8%
J8B Sainte-Adele Sainte-Adele 73 37 36 97.3%
J2T Saint-Hyacinthe East Saint-Hyacinthe 90 47 43 91.5%
G9T Grand-Mere Grand-Mere 86 49 37 75.5%
G1K Quebec City Mid-Riverbank Quebec City 102 60 42 70.0%
H4R Saint-Laurent Central Saint-Laurent 47 28 19 67.9%
H7M Vimont Vimont 93 57 36 63.2%
J6Y Terrebonne Southwest Terrebonne 66 41 25 61.0%
G1L Quebec City Northeast Quebec City 141 90 51 56.7%
G4X Gaspe Gaspe 67 43 24 55.8%
J7K Mascouche Extremities Mascouche 138 89 49 55.1%
G1C Beauport Central Beauport 127 82 45 54.9%
J5A Saint-Constant Saint-Constant 82 53 29 54.7%
H3W Cotes-des-Neiges Southwest Cote-des-Neiges 81 53 28 52.8%
J0V Laurentides-Sud (Cheneville) Rural Area 132 87 45 51.7%
H2B Ahuntsic North Ahuntsic 68 45 23 51.1%
G7X Jonquiere Central Jonquiere 166 112 54 48.2%
J4B Boucherville Boucherville 62 42 20 47.6%
J6A Repentigny South Repentigny 120 82 38 46.3%
H1X Rosemont Central Rosemont 120 83 37 44.6%
G8Z Trois-Rivieres Northeast Trois-Rivieres 78 54 24 44.4%
G1H Charlesbourg South Charlesbourg 158 110 48 43.6%
G8B Alma Southeast Alma 91 64 27 42.2%
G3K Val-Belair South Val-Belair 81 58 23 39.7%
G6V Levis North Levis 143 103 40 38.8%


Lowest Annual Growth Rates

And we show the bottom 15.

FSA FSA_Place_Name City 12.mos.to.May2023 12.mos.to.May2022 Change Percent Change
J2W Saint-Luc Saint-Luc 59 83 -24 -28.9%
H2L Centre-Sud South Montreal 53 72 -19 -26.4%
G7J Chicoutimi West Chicoutimi 57 76 -19 -25.0%
G5L Rimouski Central Rimouski 95 118 -23 -19.5%
H2E Villeray Northeast Villeray 66 79 -13 -16.5%
H7T Chomedey Northwest Chomedey 66 79 -13 -16.5%
G7S Jonquiere Northeast Jonquiere 41 49 -8 -16.3%
J5C Sainte-Catherine Sainte-Catherine 47 56 -9 -16.1%
J1H Sherbrooke Central Sherbrooke 147 174 -27 -15.5%
H3N Parc-Extension Parc-Extension 50 59 -9 -15.3%
J9P Val-d’Or Val-d’Or 118 139 -21 -15.1%
H7W Chomedey South Chomedey 107 125 -18 -14.4%
H2S Petite-Patrie Southwest Petite-Patrie 58 67 -9 -13.4%
J4V Greenfield Park Greenfield Park 51 57 -6 -10.5%
J7V Vaudreuil-Dorion Vaudreuil-Dorion 113 126 -13 -10.3%


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 May 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