younger individuals more and more involved | EUROtoday

The timid enchancment within the financial scenario has accomplished nothing: though they continue to be in sharp decline (−32%) over ten years, the submitting of overindebtedness recordsdata with the Banque de France continued to extend in 2025, returning to their 2019 stage.

The establishment introduced on Tuesday February 17 that it had recorded 148,013 recordsdata in 2025, a quantity up 9.8% over one yr, confirming the rise recorded since mid-2023.

These requests primarily concern individuals dwelling under the poverty line (62%), for whom “life accidents” (lack of job, separation, well being issues, and so on.) most frequently represent the tipping level into over-indebtedness. In whole, the over-indebtedness commissions closed 122,670 circumstances in 2025, with whole debt cancellation in simply over a 3rd of circumstances.

Among the salient factors of the 2025 report is the rise in over-indebtedness amongst younger individuals, with a 36% bounce in circumstances filed by 18-29 yr olds in comparison with 2024 and an nearly tripling since 2022. The enhance even reaches 65% amongst 18-25 yr olds, who nevertheless solely characterize a comparatively restricted variety of circumstances (8,205 in 2025).

“Consumer debts”

The communication efforts undertaken by the Banque de France lately on the overindebtedness process, by means of social networks amongst others, are usually not adequate to elucidate these will increase. Unemployment, nevertheless, stays a figuring out issue since 37% of over-indebted younger persons are unemployed, in comparison with 26% for all individuals on this scenario.

The low proportion of homeowners amongst younger over-indebted individuals (solely 2%, 4 occasions lower than amongst over-indebted individuals total) has two penalties: a decreased median debt, at 13,790 euros in comparison with 17,951 euros for all classes, and a a lot larger weight of shopper credit of their money owed, at 57% in comparison with 44%.

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