Canadian FSA insolvency-distress intelligence (monthly)
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Monthly Canadian insolvency-distress intelligence at forward sortation area (FSA) resolution — the first three characters of the postal code — from the Office of the Superintendent of Bankruptcy's monthly FSA workbooks (2022 onward): consumer and business bankruptcy/proposal filing counts per (month, FSA), declared assets and liabilities (CAD), net shortfall and average liabilities per filing, YoY/MoM/3-month-annualized filing momentum, a documented 0-100 distress score with per-month FSA ranks (1 = most distressed), filing-composition shares, and accelerating/surge/record-high/high-exposure flags. FSAs with no reported filings in a month are absent (the provider lists only FSAs with reported filings; a few listed FSAs carry all-zero counts). Open Government Licence — Canada (commercial reuse allowed); source: Office of the Superintendent of Bankruptcy Canada.
- Rows
- 81,383
- Columns
- 33
- Source cadence
- Monthly
- Last refreshed
- Sep 30, 2026
- Theme
- economy
| Column | Type | Description |
|---|---|---|
| month | string | Reference month of the filing counts, as an ISO date (first of the month). (unit: ISO date) |
| country_code | string | ISO alpha-3 country code (CAN for every row). (unit: ISO 3166-1 alpha-3) |
| fsa | string | Forward sortation area: the first three characters of the debtor's declared postal code (e.g. K1A), uppercased. A handful of rows carry debtor-declared codes that do not match the letter-digit-letter pattern (flagged via fsa_code_valid=0). Primary join key with month. |
| fsa_code_valid | integer | 1 when the fsa code matches the Canadian letter-digit-letter pattern; 0 for debtor-declared anomalies (kept verbatim so the provider's Total-row identity holds). (unit: binary) |
| province_code | string | Short province/territory code (NL/PE/NS/NB/QC/ON/MB/SK/AB/BC/NT/YT/NU). |
| province_name | string | English province/territory name. |
| consumer_bankruptcies | integer | Consumer bankruptcy filings in the FSA-month. Non-negative integer. (unit: filings) |
| business_bankruptcies | integer | Business bankruptcy filings in the FSA-month. (unit: filings) |
| consumer_proposals | integer | Consumer proposal filings in the FSA-month. (unit: filings) |
| business_proposals | integer | Business proposal filings in the FSA-month. (unit: filings) |
| total_insolvencies | integer | Total insolvency filings (the four categories) in the FSA-month. Always >= 1 in published rows. (unit: filings) |
| consumer_insolvencies | integer | Consumer filings (bankruptcies + proposals) in the FSA-month. (unit: filings) |
| business_insolvencies | integer | Business filings (bankruptcies + proposals) in the FSA-month. (unit: filings) |
| bankruptcies | integer | Bankruptcy filings (consumer + business) in the FSA-month. (unit: filings) |
| proposals | integer | Proposal filings (consumer + business) in the FSA-month. (unit: filings) |
| liabilities_cad | float | Sum of filers' declared liabilities across the four filing categories in the FSA-month. Null when any underlying money cell was blank upstream (unknown, never imputed as zero). (unit: CAD) |
| assets_cad | float | Sum of filers' declared assets across the four filing categories in the FSA-month. Null when any underlying money cell was blank upstream (unknown, never imputed as zero). (unit: CAD) |
| net_shortfall_cad | float | liabilities_cad - assets_cad: the dollar gap filers cannot cover, in the FSA-month. Null when either side is unknown. (unit: CAD) |
| avg_liabilities_per_filing | float | liabilities_cad / total_insolvencies: average declared liabilities per filing in the FSA-month. Null when liabilities_cad is unknown; 0.0 for zero-filing rows. (unit: CAD per filing) |
| yoy_pct | float | Year-over-year percent change of total_insolvencies (null where the FSA has no same-month-prior-year observation). (unit: percent) |
| mom_pct | float | Month-over-month percent change of total_insolvencies. Noisy: the series is not seasonally adjusted. (unit: percent) |
| ann_3m_pct | float | Three-month change of total_insolvencies expressed at an annual rate: ((x_t / x_{t-3}) ** 4 - 1) * 100. (unit: percent (annualized)) |
| consumer_share_pct | float | Share of total filings that are consumer insolvencies. (unit: percent) |
| bankruptcy_share_pct | float | Share of total filings that are outright bankruptcies (bankruptcies / total_insolvencies * 100). (unit: percent) |
| business_share_pct | float | Share of total filings that are business insolvencies. (unit: percent) |
| distress_score | float | Documented 0-100 composite computed within each month across all FSAs: 100 * (0.50 * mm(clip(yoy, -50, +100)) + 0.30 * mm(clip(ann3m, -75, +150)) + 0.20 * mm(clip(mom, -40, +80))), where mm is the within-month min-max across FSAs (ties map to 0.5). 100 = the most distressed FSA that month. Null wherever a momentum input is missing, i.e. the whole 12-month warmup (scores start 2023-01). (unit: score 0-100) |
| distress_rank | integer | Per-month rank of distress_score across all FSAs (1 = most distressed). Null where the score is null. (unit: rank) |
| accelerating_flag | integer | 1 when yoy_pct rose versus the previous month. (unit: binary) |
| surge_flag | integer | 1 when yoy_pct >= +50%: a filing surge. (unit: binary) |
| record_high_12m_flag | integer | 1 when total_insolvencies is the maximum of the trailing 12 months (including the current month). (unit: binary) |
| high_exposure_flag | integer | 1 when avg_liabilities_per_filing is at or above the within-month 90th percentile across FSAs: the deep dollar-exposure pockets. (unit: binary) |
| source_file | string | Filename of the OSB workbook the row was parsed from. |
| row_hash | string | Deterministic 16-hex row hash of fsa + month + the four filing counts (idempotency). |
First 10 sample rows — a preview, not the complete dataset.
| month | country_code | fsa | fsa_code_valid | province_code | province_name | consumer_bankruptcies | business_bankruptcies | consumer_proposals | business_proposals | total_insolvencies | consumer_insolvencies | business_insolvencies | bankruptcies | proposals | liabilities_cad | assets_cad | net_shortfall_cad | avg_liabilities_per_filing | yoy_pct | mom_pct | ann_3m_pct | consumer_share_pct | bankruptcy_share_pct | business_share_pct | distress_score | distress_rank | accelerating_flag | surge_flag | record_high_12m_flag | high_exposure_flag | source_file | row_hash |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2022-01-01 | CAN | A0A | 1 | NL | Newfoundland and Labrador | 3 | 0 | 8 | 0 | 11 | 11 | 0 | 3 | 8 | 1,362,011.34 | 1,010,342 | 351,669.34 | 123,819.213 | — | — | — | 100 | 27.273 | 0 | — | — | 0 | 0 | 1 | 0 | FSA_RTA_Monthly-Mensuel_2022.xlsx | 4ff28efcd8aa647c |
| 2022-01-01 | CAN | A0B | 1 | NL | Newfoundland and Labrador | 2 | 0 | 8 | 0 | 10 | 10 | 0 | 2 | 8 | 1,485,965 | 1,544,855.44 | -58,890.44 | 148,596.5 | — | — | — | 100 | 20 | 0 | — | — | 0 | 0 | 1 | 0 | FSA_RTA_Monthly-Mensuel_2022.xlsx | a374009dc67bbfc6 |
| 2022-01-01 | CAN | A0C | 1 | NL | Newfoundland and Labrador | 3 | 0 | 4 | 0 | 7 | 7 | 0 | 3 | 4 | 1,315,268.1 | 1,409,547.8 | -94,279.7 | 187,895.443 | — | — | — | 100 | 42.857 | 0 | — | — | 0 | 0 | 1 | 0 | FSA_RTA_Monthly-Mensuel_2022.xlsx | 86cc0561dc30d437 |
| 2022-01-01 | CAN | A0E | 1 | NL | Newfoundland and Labrador | 1 | 0 | 4 | 0 | 5 | 5 | 0 | 1 | 4 | 206,610 | 185,237 | 21,373 | 41,322 | — | — | — | 100 | 20 | 0 | — | — | 0 | 0 | 1 | 0 | FSA_RTA_Monthly-Mensuel_2022.xlsx | 3986c28460ecadd4 |
| 2022-01-01 | CAN | A0G | 1 | NL | Newfoundland and Labrador | 3 | 0 | 5 | 0 | 8 | 8 | 0 | 3 | 5 | 1,028,487.96 | 808,926.48 | 219,561.48 | 128,560.995 | — | — | — | 100 | 37.5 | 0 | — | — | 0 | 0 | 1 | 0 | FSA_RTA_Monthly-Mensuel_2022.xlsx | e907143a32713049 |
| 2022-01-01 | CAN | A0H | 1 | NL | Newfoundland and Labrador | 0 | 0 | 6 | 0 | 6 | 6 | 0 | 0 | 6 | 424,478.5 | 362,835 | 61,643.5 | 70,746.417 | — | — | — | 100 | 0 | 0 | — | — | 0 | 0 | 1 | 0 | FSA_RTA_Monthly-Mensuel_2022.xlsx | 76134301b0508e5d |
| 2022-01-01 | CAN | A0J | 1 | NL | Newfoundland and Labrador | 1 | 0 | 1 | 0 | 2 | 2 | 0 | 1 | 1 | 54,484.63 | 20,135 | 34,349.63 | 27,242.315 | — | — | — | 100 | 50 | 0 | — | — | 0 | 0 | 1 | 0 | FSA_RTA_Monthly-Mensuel_2022.xlsx | a7ae0438318c2003 |
| 2022-01-01 | CAN | A0K | 1 | NL | Newfoundland and Labrador | 0 | 0 | 2 | 0 | 2 | 2 | 0 | 0 | 2 | 427,198 | 397,201 | 29,997 | 213,599 | — | — | — | 100 | 0 | 0 | — | — | 0 | 0 | 1 | 1 | FSA_RTA_Monthly-Mensuel_2022.xlsx | 6be5f8650166869f |
| 2022-01-01 | CAN | A0L | 1 | NL | Newfoundland and Labrador | 1 | 0 | 1 | 0 | 2 | 2 | 0 | 1 | 1 | 64,615.91 | 40,450 | 24,165.91 | 32,307.955 | — | — | — | 100 | 50 | 0 | — | — | 0 | 0 | 1 | 0 | FSA_RTA_Monthly-Mensuel_2022.xlsx | 3b43460cfaa498d2 |
| 2022-01-01 | CAN | A0M | 1 | NL | Newfoundland and Labrador | 0 | 0 | 1 | 0 | 1 | 1 | 0 | 0 | 1 | 25,455 | 4,000 | 21,455 | 25,455 | — | — | — | 100 | 0 | 0 | — | — | 0 | 0 | 1 | 0 | FSA_RTA_Monthly-Mensuel_2022.xlsx | c90b492f8d84b2b0 |
- Current
20260930T034747Z-e6b252505aea · sha256 e6b252505aea…
81,383 rows · first snapshot
Point any LLM at the metadata endpoint — the documentation above is machine-readable too (JSON-LD + Croissant).
cURL
curl "https://datazimuts.com/v1/datasets/osb_fsa_insolvency_intel/ca_fsa_insolvency_distress_monthly" | jq '{title, rows, columns_count, license}'Python
import requests
ds = requests.get("https://datazimuts.com/v1/datasets/osb_fsa_insolvency_intel/ca_fsa_insolvency_distress_monthly").json()
print(ds["title"], ds["rows"], "rows")
# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
print(row)API endpoint: https://datazimuts.com/v1/datasets/osb_fsa_insolvency_intel/ca_fsa_insolvency_distress_monthly
Tip: fetch /llms.txt for the full machine-readable catalog.
Where this data comes from and what was made from it. Other people's work shows as counts; only shared projects are named.
Cite this snapshot
Pinned to snapshot 20260930T034747Z-e6b252505aea and its content hash, so readers get exactly the data you used.
APA
Office of the Superintendent of Bankruptcy Canada. (2026). Canadian FSA insolvency-distress intelligence (monthly) [Data set, snapshot 20260930T034747Z-e6b252505aea, sha256 e6b252505aea]. Datazimuts. Retrieved 2026-09-30, from https://datazimuts.com/en/datasets/osb_fsa_insolvency_intel/ca_fsa_insolvency_distress_monthly?snapshot=20260930T034747Z-e6b252505aea
BibTeX
@misc{dz_osb_fsa_insolvency_intel_ca_fsa_insolven_e6b25250,
title = {{Canadian FSA insolvency-distress intelligence (monthly)}},
author = {{Office of the Superintendent of Bankruptcy Canada}},
year = {2026},
publisher = {Datazimuts},
howpublished = {\url{https://datazimuts.com/en/datasets/osb_fsa_insolvency_intel/ca_fsa_insolvency_distress_monthly?snapshot=20260930T034747Z-e6b252505aea}},
note = {Snapshot 20260930T034747Z-e6b252505aea, sha256 e6b252505aea71bd78bc342ba17caf24f5ddb098887aea1f5d97899709408a88; accessed 2026-09-30}
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