The Banque de France recorded 136,097 over-indebtedness files filed between January and October 2026. The volume rose by 10.2% compared with the same period in 2025.
This increase extends a deterioration already measured in previous years. It comes amid a fragile social context, marked in particular by the decline in purchasing power.
The total appears in the Banque de France’s financial inclusion barometer, issue 67, dated October 2026. Franceinfo, citing Banque de France data consulted by France Inter, reports the same figure and the same change.
The phenomenon did not begin this year. Filings of over-indebtedness cases already rose by 9.8% over the whole of 2025.
The series was still trending upward a year earlier. In 2024, over-indebtedness files increased by 6% compared with 2023.
Cases of over-indebtedness have thus continued to multiply for several years. The increases recorded in 2024, in 2025 and over the first ten months of 2026 point in the same direction.
In detail, 79,194 people were registered for an over-indebtedness reason over the past ten months. This reason rose by 6.3%.
Payment incidents affected 730,136 people over the same period. Their number increased by 6.4%.
The credit repayment incident file recorded, from January to October 2026, 803,946 registrations of individuals.
The assessment associated with these figures identifies three factors: a decline in purchasing power, a rise in inflation and a rise in unemployment.
Inflation and unemployment, like the decline in purchasing power, particularly affect young people. It is in this context that situations of over-indebtedness continue to climb.
At the end of the period, the number of files filed reached 136,097. The trajectory observed since 2024 has not reversed.