Canadian insolvency stress: provincial scores and ranks, monthly
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Monthly Canadian insolvency-stress intelligence from the Office of the Superintendent of Bankruptcy's historic monthly statistics (filings from 1987): total/bankruptcy/proposal and consumer/business filing counts for Canada, the 10 provinces and the 3 territories, YoY/MoM/3-month-annualized momentum, a documented 0-100 financial-stress score with per-month provincial ranks (1 = most stressed), filing-composition shares, a bankruptcy-pressure flag (consumer bankruptcies displacing proposals), record-high flags, and each geography's additive percentage-point contribution to Canada's YoY change. Identity gates (total = bankruptcies + proposals = consumer + business) hold exactly over the full history. Caveats: counts are filings, not filers; not seasonally adjusted; latest month occasionally revised; Nunavut starts 1999. Open Government Licence — Canada (commercial reuse allowed); source: Office of the Superintendent of Bankruptcy Canada.
- Rows
- 6,503
- Columns
- 28
- Source cadence
- Monthly
- Last refreshed
- Sep 26, 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) |
| geo_name | string | Provider-verbatim English geography: Canada, a province, or a territory. |
| province_code | string | Short geography code (CA/NL/PE/NS/NB/QC/ON/MB/SK/AB/BC/NT/YT/NU); primary join key with month. |
| is_national | integer | 1 for the Canada aggregate row, 0 for provinces/territories. (unit: binary) |
| total_insolvencies | integer | Total insolvency filings (bankruptcies + proposals, consumer + business) in the geography-month. Non-negative integer. (unit: filings) |
| bankruptcies | integer | Bankruptcy filings (consumer + business) in the geography-month. (unit: filings) |
| proposals | integer | Proposal filings (consumer + business) in the geography-month. (unit: filings) |
| consumer_insolvencies | integer | Consumer insolvency filings in the geography-month. (unit: filings) |
| consumer_bankruptcies | integer | Consumer bankruptcy filings in the geography-month. (unit: filings) |
| consumer_proposals | integer | Consumer proposal filings in the geography-month. (unit: filings) |
| business_insolvencies | integer | Business insolvency filings (corporate + individual business) in the geography-month. (unit: filings) |
| yoy_pct | float | Year-over-year percent change of total_insolvencies. (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)) |
| bankruptcy_share_pct | float | Share of total filings that are bankruptcies (bankruptcies / total_insolvencies * 100). (unit: percent) |
| consumer_bankruptcy_share_pct | float | Share of consumer filings that are outright bankruptcies (consumer_bankruptcies / consumer_insolvencies * 100). (unit: percent) |
| business_share_pct | float | Share of total filings that are business insolvencies. (unit: percent) |
| stress_score | float | Documented 0-100 composite computed within each month across the 10 provinces: 100 * (0.50 * mm(clip(yoy, -30, +30)) + 0.30 * mm(clip(ann3, -60, +60)) + 0.20 * mm(clip(mom, -25, +25))), where mm is the within-month min-max across the 10 provinces (ties map to 0.5). 100 = the most stressed province that month. Null for Canada and the territories, and wherever a momentum input is missing. (unit: score 0-100) |
| stress_rank | integer | Per-month rank of stress_score across the 10 provinces (1 = most stressed). Null for Canada and the territories. (unit: rank) |
| accelerating_flag | integer | 1 when yoy_pct rose versus the previous month. (unit: binary) |
| bankruptcy_pressure_flag | integer | 1 when consumer_bankruptcy_share_pct rose by >= 1.0 pp year-over-year: outright bankruptcies displacing consumer proposals, a deepening-distress signal. (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) |
| contrib_pp | float | The geography's additive contribution to Canada's year-over-year change in total filings, in percentage points: (x_{g,t} - x_{g,t-12}) / x_{CA,t-12} * 100. The 13 provinces'/territories' contributions sum exactly to Canada's yoy_pct. Null for the Canada row. (unit: pp) |
| top_contributor_province | string | On Canada rows: the province_code with the largest contrib_pp that month (deterministic tie-break by fixed geo order). Null elsewhere. |
| top_contributor_pp | float | On Canada rows: the top contributor's contrib_pp value. (unit: pp) |
| source_file | string | Filename of the OSB workbook the row was parsed from. |
| row_hash | string | Deterministic 16-hex row hash of province_code + month (idempotency). |
First 10 sample rows — a preview, not the complete dataset.
| month | country_code | geo_name | province_code | is_national | total_insolvencies | bankruptcies | proposals | consumer_insolvencies | consumer_bankruptcies | consumer_proposals | business_insolvencies | yoy_pct | mom_pct | ann_3m_pct | bankruptcy_share_pct | consumer_bankruptcy_share_pct | business_share_pct | stress_score | stress_rank | accelerating_flag | bankruptcy_pressure_flag | record_high_12m_flag | contrib_pp | top_contributor_province | top_contributor_pp | source_file | row_hash |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1987-01-01 | CAN | Canada | CA | 1 | 2,765 | 2,722 | 43 | 2,060 | 2,037 | 23 | 705 | — | — | — | 98.445 | 98.883 | 25.497 | — | — | 0 | 0 | 1 | — | — | — | historical_insolvency_statistics_monthly_july_2026_0.xlsx | 5426c58087b1c82b |
| 1987-01-01 | CAN | Newfoundland and Labrador | NL | 0 | 43 | 43 | 0 | 38 | 38 | 0 | 5 | — | — | — | 100 | 100 | 11.628 | — | — | 0 | 0 | 1 | — | — | — | historical_insolvency_statistics_monthly_july_2026_0.xlsx | cd81d44f14ed6e3d |
| 1987-01-01 | CAN | Prince Edward Island | PE | 0 | 5 | 5 | 0 | 5 | 5 | 0 | 0 | — | — | — | 100 | 100 | 0 | — | — | 0 | 0 | 1 | — | — | — | historical_insolvency_statistics_monthly_july_2026_0.xlsx | 641d5e700ed133f6 |
| 1987-01-01 | CAN | Nova Scotia | NS | 0 | 120 | 119 | 1 | 95 | 95 | 0 | 25 | — | — | — | 99.167 | 100 | 20.833 | — | — | 0 | 0 | 1 | — | — | — | historical_insolvency_statistics_monthly_july_2026_0.xlsx | 56239a1ea5624f88 |
| 1987-01-01 | CAN | New Brunswick | NB | 0 | 38 | 37 | 1 | 29 | 29 | 0 | 9 | — | — | — | 97.368 | 100 | 23.684 | — | — | 0 | 0 | 1 | — | — | — | historical_insolvency_statistics_monthly_july_2026_0.xlsx | 74a321b606aa395a |
| 1987-01-01 | CAN | Quebec | QC | 0 | 852 | 836 | 16 | 612 | 608 | 4 | 240 | — | — | — | 98.122 | 99.346 | 28.169 | — | — | 0 | 0 | 1 | — | — | — | historical_insolvency_statistics_monthly_july_2026_0.xlsx | 9e4f728fabc4617d |
| 1987-01-01 | CAN | Ontario | ON | 0 | 861 | 845 | 16 | 711 | 698 | 13 | 150 | — | — | — | 98.142 | 98.172 | 17.422 | — | — | 0 | 0 | 1 | — | — | — | historical_insolvency_statistics_monthly_july_2026_0.xlsx | e077be4793d377c6 |
| 1987-01-01 | CAN | Manitoba | MB | 0 | 123 | 122 | 1 | 97 | 96 | 1 | 26 | — | — | — | 99.187 | 98.969 | 21.138 | — | — | 0 | 0 | 1 | — | — | — | historical_insolvency_statistics_monthly_july_2026_0.xlsx | 6be953fc7015fae0 |
| 1987-01-01 | CAN | Saskatchewan | SK | 0 | 78 | 76 | 2 | 53 | 51 | 2 | 25 | — | — | — | 97.436 | 96.226 | 32.051 | — | — | 0 | 0 | 1 | — | — | — | historical_insolvency_statistics_monthly_july_2026_0.xlsx | f7d4469a54fbcbeb |
| 1987-01-01 | CAN | Alberta | AB | 0 | 333 | 330 | 3 | 225 | 224 | 1 | 108 | — | — | — | 99.099 | 99.556 | 32.432 | — | — | 0 | 0 | 1 | — | — | — | historical_insolvency_statistics_monthly_july_2026_0.xlsx | bc4d9bbde01215ab |
- Current
20260926T094008Z-0d73145db2d0 · sha256 0d73145db2d0…
6,503 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_insolvency_signals/ca_insolvency_stress_monthly" | jq '{title, rows, columns_count, license}'Python
import requests
ds = requests.get("https://datazimuts.com/v1/datasets/osb_insolvency_signals/ca_insolvency_stress_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_insolvency_signals/ca_insolvency_stress_monthly
Tip: fetch /llms.txt for the full machine-readable catalog.
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Pinned to snapshot 20260926T094008Z-0d73145db2d0 and its content hash, so readers get exactly the data you used.
APA
Office of the Superintendent of Bankruptcy Canada. (2026). Canadian insolvency stress: provincial scores and ranks, monthly [Data set, snapshot 20260926T094008Z-0d73145db2d0, sha256 0d73145db2d0]. Datazimuts. Retrieved 2026-09-26, from https://datazimuts.com/en/datasets/osb_insolvency_signals/ca_insolvency_stress_monthly?snapshot=20260926T094008Z-0d73145db2d0
BibTeX
@misc{dz_osb_insolvency_signals_ca_insolvency_str_0d73145d,
title = {{Canadian insolvency stress: provincial scores and ranks, monthly}},
author = {{Office of the Superintendent of Bankruptcy Canada}},
year = {2026},
publisher = {Datazimuts},
howpublished = {\url{https://datazimuts.com/en/datasets/osb_insolvency_signals/ca_insolvency_stress_monthly?snapshot=20260926T094008Z-0d73145db2d0}},
note = {Snapshot 20260926T094008Z-0d73145db2d0, sha256 0d73145db2d007e89763fa65548e0a9f18508abb6874a63d3afe2ee38ee09223; accessed 2026-09-26}
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