Annual Consumer Insolvency Rates by Province and Economic Region

2010–2016

(Per 1,000 Population Aged 18 Years and Older)

In 2015, Statistics Canada changed the way it counts business units. This resulted in an increase of 1 million Canadian businesses in 2015 and has lowered the business insolvency rate.

Annual Consumer Insolvency Rates by Province and Economic Region—2010–2016
(Per 1,000 Population Aged 18 Years and Older)
Province or region Rate 2010 2011 2012 2013 2014 2015 2016
Canada Insolvency 5.1 4.6 4.4 4.3 4.2 4.3 4.4
Bankruptcy 3.5 2.9 2.6 2.5 2.3 2.3 2.2
Proposal 1.6 1.7 1.7 1.8 1.9 2.1 2.2
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Newfoundland and Labrador Insolvency 6.1 5.0 4.3 4.1 3.6 4.3 5.6
Bankruptcy 5.8 4.7 3.9 3.7 3.1 3.5 3.6
Proposal 0.3 0.3 0.3 0.4 0.5 0.8 2.0
Avalon Peninsula Insolvency 5.1 4.1 3.5 3.7 3.2 3.9 5.6
Bankruptcy 4.7 3.7 3.1 3.3 2.8 3.1 3.2
Proposal 0.4 0.4 0.4 0.4 0.5 0.8 2.4
South Coast – Burin Peninsula and Notre Dame – Central Bonavista BayFootnote a Insolvency 4.5 5.0 6.3
Bankruptcy 4.0 4.4 4.8
Proposal 0.5 0.5 1.5
South Coast – Burin PeninsulaFootnote a Insolvency 8.5 6.0 4.9 4.1
Bankruptcy 8.2 5.9 4.6 3.8
Proposal 0.3 0.1 0.3 0.3
West Coast – Northern Peninsula – Labrador Insolvency 5.9 5.2 4.5 4.1 3.4 4.1 4.6
Bankruptcy 5.5 5.0 4.3 3.6 2.9 3.3 3.0
Proposal 0.4 0.2 0.2 0.4 0.4 0.8 1.5
Notre Dame – Central Bonavista BayFootnote a Insolvency 8.0 6.8 5.7 4.8
Bankruptcy 7.8 6.6 5.3 4.6
Proposal 0.3 0.2 0.3 0.2
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Prince Edward Island Insolvency 5.2 5.5 5.3 5.3 6.2 7.0 6.9
Bankruptcy 4.6 4.6 4.1 3.8 4.3 4.5 4.3
Proposal 0.6 0.9 1.3 1.5 1.9 2.5 2.6
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Nova Scotia Insolvency 6.9 6.1 5.7 6.2 7.0 6.9 7.8
Bankruptcy 5.6 4.8 4.3 4.4 5.0 4.8 5.5
Proposal 1.3 1.3 1.4 1.8 2.0 2.1 2.3
Cape Breton Insolvency 9.0 7.9 6.3 6.2 7.7 8.1 11.1
Bankruptcy 7.0 5.8 4.3 3.8 4.7 4.4 6.9
Proposal 2.0 2.1 2.0 2.4 3.0 3.8 4.3
North Shore Insolvency 7.3 5.9 6.0 7.3 8.3 7.7 8.8
Bankruptcy 5.7 4.4 4.5 4.8 5.8 5.4 6.1
Proposal 1.6 1.5 1.5 2.4 2.5 2.3 2.7
Annapolis Valley Insolvency 7.5 6.7 6.5 7.1 7.6 7.8 8.8
Bankruptcy 6.5 5.7 5.4 5.5 6.0 6.0 7.1
Proposal 1.0 1.0 1.2 1.6 1.6 1.7 1.7
Southern Insolvency 6.7 6.4 5.8 6.2 6.4 6.1 6.8
Bankruptcy 5.4 5.3 4.3 4.6 4.8 4.6 4.7
Proposal 1.3 1.2 1.6 1.6 1.6 1.5 2.1
Halifax Insolvency 5.9 5.3 5.1 5.5 6.2 6.2 6.5
Bankruptcy 4.9 4.2 3.9 4.0 4.5 4.5 4.7
Proposal 1.0 1.1 1.2 1.5 1.7 1.8 1.8
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
New Brunswick Insolvency 6.3 5.9 6.5 6.6 7.2 7.2 7.4
Bankruptcy 5.3 4.8 4.9 4.8 5.0 4.7 4.8
Proposal 1.0 1.1 1.6 1.9 2.1 2.5 2.6
Campbellton – Miramichi Insolvency 5.8 5.4 5.6 5.7 6.1 7.0 7.3
Bankruptcy 5.0 4.6 4.3 4.1 4.6 4.8 4.9
Proposal 0.8 0.8 1.3 1.6 1.5 2.2 2.3
Moncton – Richibucto Insolvency 6.6 6.3 6.6 7.2 8.0 7.6 8.2
Bankruptcy 5.4 5.1 4.9 5.0 5.4 4.9 5.2
Proposal 1.2 1.1 1.7 2.2 2.6 2.6 3.0
Saint John – St. Stephen Insolvency 6.3 6.2 6.9 6.9 7.2 7.6 7.7
Bankruptcy 5.3 5.0 5.2 4.8 4.9 4.7 4.8
Proposal 1.0 1.2 1.8 2.0 2.3 2.9 2.9
Fredericton – Oromocto Insolvency 6.1 5.3 6.4 6.4 7.1 6.9 6.5
Bankruptcy 5.0 4.1 4.6 4.7 4.9 4.4 4.5
Proposal 1.1 1.3 1.8 1.7 2.2 2.6 2.0
Edmundston – Woodstock Insolvency 7.0 6.1 6.7 6.7 7.1 6.4 6.1
Bankruptcy 6.1 5.1 5.7 5.3 5.4 4.4 4.2
Proposal 0.9 1.0 1.0 1.4 1.7 2.0 2.0
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Quebec Insolvency 6.1 5.7 5.6 6.2 6.3 6.6 6.5
Bankruptcy 4.5 4.1 3.8 3.9 3.7 3.7 3.6
Proposal 1.6 1.6 1.8 2.3 2.6 2.9 2.8
Gaspésie – Îles-de-la-Madeleine Insolvency 4.6 5.2 4.5 5.4 5.5 6.7 7.0
Bankruptcy 3.1 3.8 3.1 3.4 2.9 3.8 3.7
Proposal 1.5 1.4 1.4 2.1 2.5 2.9 3.3
Bas-Saint-Laurent Insolvency 4.3 4.1 4.3 4.9 5.2 5.5 5.6
Bankruptcy 3.4 2.8 3.3 3.2 3.2 3.2 3.3
Proposal 0.9 1.3 1.1 1.7 2.0 2.3 2.2
Capitale-Nationale Insolvency 4.4 4.1 4.1 4.4 4.6 5.4 5.4
Bankruptcy 3.5 3.1 3.1 3.1 2.9 3.3 3.2
Proposal 0.9 1.0 0.9 1.3 1.6 2.1 2.2
Chaudière - Appalaches Insolvency 4.1 3.8 3.7 4.5 4.5 4.8 4.8
Bankruptcy 3.1 2.7 2.6 3.1 2.9 2.8 3.0
Proposal 1.0 1.1 1.1 1.4 1.6 2.1 1.8
Estrie Insolvency 5.6 5.1 5.3 5.4 5.5 5.9 5.9
Bankruptcy 4.6 4.1 3.9 3.9 3.6 3.8 3.9
Proposal 1.0 1.0 1.4 1.5 1.9 2.1 2.0
Centre-du-Québec Insolvency 5.9 5.5 4.9 6.2 5.9 6.0 5.7
Bankruptcy 4.6 4.3 3.6 4.0 3.3 3.3 3.5
Proposal 1.2 1.2 1.3 2.2 2.6 2.7 2.3
Montérégie Insolvency 6.0 5.8 6.1 6.8 6.9 7.0 6.7
Bankruptcy 4.4 4.1 4.0 4.1 3.8 3.7 3.6
Proposal 1.6 1.7 2.1 2.7 3.1 3.2 3.2
Montréal Insolvency 6.5 5.9 5.4 5.7 5.7 5.7 5.5
Bankruptcy 4.9 4.3 3.8 3.8 3.6 3.4 3.2
Proposal 1.6 1.6 1.6 1.9 2.1 2.4 2.4
Laval Insolvency 6.6 6.0 6.2 6.6 6.6 6.7 6.5
Bankruptcy 4.7 4.2 3.9 4.0 3.7 3.5 3.3
Proposal 2.0 1.8 2.3 2.6 2.9 3.2 3.2
Lanaudière Insolvency 7.8 7.2 7.6 8.6 9.0 9.0 8.5
Bankruptcy 5.3 4.6 4.6 4.5 4.6 4.4 4.4
Proposal 2.5 2.6 3.1 4.0 4.4 4.6 4.1
Laurentides Insolvency 8.3 8.1 8.1 9.0 9.0 9.4 8.7
Bankruptcy 5.6 5.5 5.0 5.2 4.8 5.0 4.6
Proposal 2.6 2.6 3.2 3.9 4.2 4.5 4.1
Outaouais Insolvency 7.6 7.2 7.5 8.0 8.6 8.7 8.8
Bankruptcy 5.4 5.0 4.8 5.0 4.9 4.8 4.8
Proposal 2.2 2.2 2.7 3.0 3.7 3.9 4.0
Abitibi – Témiscamingue Insolvency 5.3 4.3 4.0 4.7 5.9 6.8 6.4
Bankruptcy 4.3 3.2 2.8 3.0 3.6 3.8 3.7
Proposal 1.0 1.2 1.2 1.7 2.3 2.9 2.7
Mauricie Insolvency 5.5 5.2 5.4 6.1 6.2 7.0 7.1
Bankruptcy 4.4 4.2 4.2 4.4 4.2 4.7 4.7
Proposal 1.1 1.0 1.2 1.7 1.9 2.4 2.4
Saguenay – Lac-Saint-Jean Insolvency 5.1 4.7 4.3 4.9 5.7 6.1 6.7
Bankruptcy 4.1 3.4 2.9 3.3 3.8 3.6 4.0
Proposal 0.9 1.2 1.3 1.7 1.8 2.5 2.7
Côte-Nord and Nord-du-Québec Insolvency 3.5 2.9 3.3 3.7 4.4 4.6 6.0
Bankruptcy 2.7 2.3 2.4 2.3 2.9 2.9 3.5
Proposal 0.8 0.5 0.8 1.4 1.5 1.7 2.5
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Ontario Insolvency 5.5 4.8 4.5 4.1 3.8 3.7 3.6
Bankruptcy 3.2 2.4 2.2 2.0 1.8 1.6 1.5
Proposal 2.3 2.4 2.3 2.1 2.0 2.0 2.1
Ottawa Insolvency 4.4 4.0 3.8 3.8 3.7 3.6 3.7
Bankruptcy 2.9 2.5 2.2 2.3 2.1 2.0 1.9
Proposal 1.5 1.5 1.5 1.5 1.5 1.6 1.7
Kingston – Pembroke Insolvency 5.6 5.1 4.9 5.0 4.6 4.7 4.6
Bankruptcy 3.8 3.4 3.0 2.8 2.4 2.4 2.2
Proposal 1.8 1.7 1.8 2.1 2.1 2.2 2.4
Muskoka – Kawarthas Insolvency 4.8 4.7 5.1 4.5 4.3 3.9 3.8
Bankruptcy 3.1 2.6 2.6 2.4 2.1 1.8 1.6
Proposal 1.8 2.1 2.4 2.1 2.2 2.0 2.2
Toronto Insolvency 5.2 4.5 4.1 3.7 3.4 3.1 3.0
Bankruptcy 2.5 1.8 1.6 1.5 1.3 1.2 1.1
Proposal 2.7 2.7 2.5 2.2 2.0 1.9 1.9
Kitchener – Waterloo – Barrie Insolvency 5.8 5.1 4.8 4.3 4.1 3.9 3.7
Bankruptcy 3.5 2.6 2.4 2.2 2.0 1.8 1.6
Proposal 2.3 2.5 2.4 2.1 2.1 2.1 2.0
Hamilton – Niagara Peninsula Insolvency 6.1 5.5 5.2 4.7 4.2 3.8 3.9
Bankruptcy 3.6 2.7 2.6 2.2 1.9 1.7 1.6
Proposal 2.5 2.8 2.7 2.4 2.2 2.2 2.2
London Insolvency 7.4 6.7 5.9 5.4 5.1 5.0 4.9
Bankruptcy 5.2 4.0 3.4 3.1 2.6 2.3 2.2
Proposal 2.2 2.7 2.5 2.3 2.5 2.7 2.8
Windsor – Sarnia Insolvency 7.1 5.9 5.4 5.0 4.3 4.6 4.1
Bankruptcy 5.0 3.8 3.4 3.1 2.3 2.2 2.0
Proposal 2.2 2.1 2.0 1.9 2.0 2.3 2.1
Stratford – Bruce Peninsula Insolvency 3.7 3.9 3.7 3.5 3.2 3.0 2.9
Bankruptcy 2.8 2.5 2.4 2.1 1.9 1.6 1.6
Proposal 0.9 1.4 1.3 1.4 1.3 1.4 1.3
Northeast Insolvency 6.5 5.6 5.3 5.4 5.3 5.9 6.5
Bankruptcy 4.9 3.7 3.2 3.2 2.9 3.3 3.2
Proposal 1.6 1.9 2.1 2.2 2.4 2.7 3.3
Northwest Insolvency 4.8 3.7 3.6 3.0 3.0 3.4 3.4
Bankruptcy 3.7 2.8 2.5 2.1 1.9 2.2 2.0
Proposal 1.1 0.9 1.1 0.9 1.1 1.2 1.4
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Manitoba Insolvency 3.0 2.4 2.0 2.0 2.0 2.2 2.7
Bankruptcy 2.2 1.7 1.4 1.3 1.3 1.3 1.5
Proposal 0.8 0.7 0.7 0.7 0.7 0.9 1.2
Southeast Insolvency 2.5 1.7 1.6 1.9 1.5 1.9 2.0
Bankruptcy 1.9 1.4 1.1 1.3 1.0 1.4 1.1
Proposal 0.6 0.3 0.5 0.6 0.5 0.5 0.9
South Central and North CentralFootnote b Insolvency 1.9 1.5 2.3
Bankruptcy 1.3 1.1 1.4
Proposal 0.6 0.5 0.8
South CentralFootnote b Insolvency 2.6 2.0 1.5 1.3
Bankruptcy 2.1 1.4 1.2 0.9
Proposal 0.4 0.5 0.3 0.4
Southwest Insolvency 4.1 3.2 2.4 2.8 3.0 3.4 3.7
Bankruptcy 2.6 2.0 1.5 1.4 1.6 1.6 1.7
Proposal 1.4 1.3 0.9 1.3 1.5 1.8 2.0
North CentralFootnote b Insolvency 2.3 1.6 1.4 1.7
Bankruptcy 1.5 1.2 0.9 1.2
Proposal 0.8 0.5 0.5 0.5
Winnipeg Insolvency 3.1 2.5 2.2 2.0 2.0 2.3 2.9
Bankruptcy 2.4 1.8 1.5 1.4 1.3 1.4 1.6
Proposal 0.7 0.7 0.7 0.7 0.7 0.9 1.2
Interlake Insolvency 1.9 1.6 1.4 1.4 1.4 1.4 1.9
Bankruptcy 1.6 1.2 1.0 1.0 0.9 0.9 1.1
Proposal 0.3 0.4 0.4 0.5 0.5 0.5 0.8
Parklands and North Insolvency 3.0 2.7 2.3 2.0 2.3 2.8 2.9
Bankruptcy 2.1 1.6 1.4 1.3 1.3 1.5 1.7
Proposal 0.9 1.1 0.9 0.7 1.0 1.3 1.2
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Saskatchewan Insolvency 3.1 2.7 2.2 2.2 2.4 2.7 3.6
Bankruptcy 2.0 1.7 1.3 1.3 1.4 1.4 1.7
Proposal 1.1 1.0 0.9 0.8 1.0 1.3 1.9
Regina – Moose Mountain Insolvency 3.0 2.5 1.9 1.9 2.4 2.7 3.9
Bankruptcy 1.8 1.3 0.9 0.9 1.3 1.2 1.4
Proposal 1.2 1.2 1.0 0.9 1.1 1.5 2.5
Swift Current – Moose Jaw Insolvency 3.2 2.5 2.3 2.6 2.4 2.5 3.0
Bankruptcy 2.1 1.7 1.5 1.6 1.5 1.5 1.7
Proposal 1.1 0.8 0.9 1.0 0.9 0.9 1.3
Saskatoon – Biggar Insolvency 3.0 2.6 2.2 2.1 2.2 2.5 3.2
Bankruptcy 2.0 1.7 1.4 1.3 1.3 1.2 1.6
Proposal 1.0 0.9 0.9 0.8 1.0 1.3 1.6
Yorkton – Melville Insolvency 3.1 2.9 2.2 2.1 2.2 2.4 3.2
Bankruptcy 2.0 2.1 1.3 1.4 1.2 1.5 1.6
Proposal 1.0 0.8 0.9 0.7 1.0 0.8 1.5
Prince Albert and Northern Insolvency 3.4 3.2 2.7 2.5 2.6 3.3 4.1
Bankruptcy 2.4 2.1 1.6 1.7 1.6 2.1 2.4
Proposal 1.0 1.1 1.1 0.8 1.0 1.2 1.8
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Alberta Insolvency 3.8 3.5 3.1 2.7 2.6 3.1 4.0
Bankruptcy 2.9 2.5 2.0 1.5 1.2 1.3 1.7
Proposal 1.0 1.0 1.2 1.2 1.4 1.7 2.4
Lethbridge – Medicine Hat Insolvency 5.0 4.4 3.6 3.5 3.8 4.4 5.3
Bankruptcy 3.9 3.1 2.4 2.2 1.7 1.9 2.2
Proposal 1.1 1.2 1.3 1.3 2.1 2.5 3.1
Camrose – Drumheller Insolvency 3.0 2.8 2.8 2.0 2.1 2.9 3.9
Bankruptcy 2.2 2.0 1.9 1.4 1.1 1.5 2.0
Proposal 0.8 0.8 0.9 0.7 1.0 1.4 1.9
Calgary Insolvency 3.6 3.5 3.4 2.8 2.6 3.0 3.8
Bankruptcy 2.8 2.6 2.2 1.6 1.2 1.2 1.4
Proposal 0.8 0.9 1.2 1.2 1.5 1.8 2.5
Banff – Jasper – Rocky Mountain House and Athabasca – Grande Prairie – Peace RiverFootnote c Insolvency 2.4 2.9 4.4
Bankruptcy 1.3 1.5 2.1
Proposal 1.1 1.3 2.3
Banff – Jasper – Rocky Mountain HouseFootnote c Insolvency 3.3 3.3 2.6 2.8
Bankruptcy 2.6 2.6 1.7 1.9
Proposal 0.7 0.7 0.9 0.9
Red Deer Insolvency 3.8 3.7 3.2 3.5 3.6 4.6 6.4
Bankruptcy 3.1 2.5 1.8 1.9 1.6 1.8 2.5
Proposal 0.7 1.2 1.4 1.6 1.9 2.9 3.9
Edmonton Insolvency 4.1 3.5 3.0 2.7 2.5 2.7 3.7
Bankruptcy 2.9 2.3 1.7 1.4 1.2 1.2 1.6
Proposal 1.2 1.2 1.3 1.3 1.3 1.5 2.1
Athabasca – Grande Prairie – Peace RiverFootnote c Insolvency 4.4 3.4 2.9 2.1
Bankruptcy 3.2 2.5 2.0 1.4
Proposal 1.2 0.9 0.9 0.7
Wood Buffalo – Cold Lake Insolvency 2.3 1.9 1.9 1.4 3.1 3.1 3.0
Bankruptcy 1.5 1.2 1.1 0.7 1.7 1.5 1.5
Proposal 0.7 0.7 0.8 0.7 1.4 1.6 1.5
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
British Columbia Insolvency 3.6 3.2 3.2 3.2 3.1 3.1 2.9
Bankruptcy 2.7 2.2 2.1 1.9 1.7 1.5 1.2
Proposal 0.9 1.0 1.1 1.3 1.4 1.6 1.6
Vancouver Island and Coast Insolvency 4.1 3.9 3.9 4.0 4.0 4.1 3.8
Bankruptcy 3.3 2.8 2.6 2.6 2.4 2.3 1.8
Proposal 0.8 1.1 1.3 1.4 1.6 1.8 2.0
Lower Mainland – Southwest Insolvency 3.1 2.8 2.8 2.8 2.8 2.8 2.4
Bankruptcy 2.3 1.9 1.8 1.7 1.5 1.2 0.9
Proposal 0.8 0.9 1.0 1.2 1.3 1.5 1.5
Thompson – Okanagan Insolvency 4.6 4.3 4.2 4.0 3.7 3.6 3.5
Bankruptcy 3.4 2.8 2.7 2.3 2.1 1.9 1.7
Proposal 1.3 1.5 1.5 1.6 1.6 1.8 1.8
Kootenay Insolvency 3.5 2.9 3.3 3.1 3.1 3.2 2.8
Bankruptcy 2.5 2.0 2.4 2.0 2.0 1.9 1.6
Proposal 0.9 0.9 0.9 1.1 1.1 1.3 1.2
Cariboo Insolvency 4.8 4.1 4.0 4.1 4.0 4.2 4.4
Bankruptcy 3.7 3.1 2.8 2.7 2.4 2.2 2.3
Proposal 1.1 1.0 1.3 1.3 1.6 2.0 2.1
North Coast and Nechako Insolvency 4.5 2.4 2.3 1.9 1.9 1.8 2.1
Bankruptcy 3.8 1.9 1.7 1.3 1.2 1.1 1.1
Proposal 0.7 0.6 0.7 0.5 0.7 0.7 1.0
Northeast Insolvency 4.4 2.3 2.5 1.9 1.7 2.1 3.8
Bankruptcy 3.5 1.8 2.0 1.3 0.7 0.7 1.7
Proposal 1.0 0.5 0.5 0.6 1.0 1.4 2.1
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Yukon Insolvency 1.6 1.4 1.5 1.1 1.5 1.3 2.0
Bankruptcy 1.4 1.2 0.9 0.8 0.8 0.7 1.0
Proposal 0.2 0.2 0.6 0.3 0.6 0.6 1.0
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Northwest Territories Insolvency 1.5 1.5 1.7 1.7 1.6 1.7 1.9
Bankruptcy 1.1 1.1 1.0 1.0 0.8 0.9 1.1
Proposal 0.4 0.4 0.8 0.7 0.7 0.8 0.8
empty cell Rate 2010 2011 2012 2013 2014 2015 2016
Nunavut Insolvency 0.2 0.4 0.2 0.3 0.3 0.3 0.4
Bankruptcy 0.2 0.4 0.0 0.1 0.2 0.1 0.1
Proposal 0.0 0.0 0.2 0.1 0.1 0.2 0.3
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