In Ukraine, 1,293 personal bankruptcy cases were filed from January through September 2026, which is 37% more than during the same period in 2025. The highest number of such cases was recorded in Kyiv, Kyiv Oblast, and Lviv Oblast, according to data from the Supreme Court published on October 19 by “OpenDataBot,” a service that monitors state registries.
According to the study, the number of personal bankruptcy cases has been rising for the fourth consecutive year following a decline in 2022. In 2021, 496 cases were filed; in 2022, 374; in 2023, 576; in 2024, 927; and in 2025, 1,348.
Thus, in just the first nine months of 2026, the number of cases already exceeded the total for all of 2024 by 39.5% and accounted for nearly 96% of the total for all of 2025.
In total, 5,014 cases of individual insolvency have been recorded in Ukraine since the beginning of 2021.
The largest share of citizens who initiated bankruptcy proceedings in 2026 consists of people aged 25 to 45. This category accounts for 876 cases, or 67.7% of the total.
Another 304 cases, or 23.5%, involve individuals over 45 years of age, while 113 cases, or 8.7%, were filed by citizens under 25 years of age. The youngest applicant is 20 years old, and the oldest is 77.
In terms of gender distribution, 2026 marked the first time that women outnumbered men among the parties to such proceedings: 685 women versus 608 men. Women accounted for 53%, whereas in 2025, men accounted for 51%.
Regionally, the courts in Kyiv handled the largest number of insolvency cases involving individuals—228 proceedings. Compared to the first nine months of 2025, this number increased by 57.2% from 145 cases.
The Kyiv region ranked second with 130 proceedings, and the Lviv region ranked third with 109. These three regions account for 467 cases, or 36.1% of the national total.
In the Kyiv region, the number of cases rose by 85.7%, from 70 to 130, and in the Lviv region, by 43.4%, from 76 to 109.
Among the regions with a notable increase in the number of cases are also the Kirovohrad region, where the figure rose by 115%, from 20 to 43 cases; the Ternopil region—by 64.3%, from 28 to 46; and the Kharkiv region—by 59.4%, from 32 to 51.
At the same time, some regions saw a decrease in the number of cases. Specifically, in Vinnytsia Oblast, the figure fell by 18.2%, from 77 to 63 cases; in Odesa Oblast, by 5.9%, from 68 to 64; and in Mykolaiv Oblast, by 31.3%, from 16 to 11.
The increase in the number of insolvency cases may indicate both a rise in the debt burden on individual households and more active use by citizens of the debt settlement procedure provided for by law. At the same time, these statistics alone do not allow for determining the causes of bankruptcy for each applicant.
Individuals in Ukraine gained the ability to initiate bankruptcy proceedings in October 2019, following the entry into force of the Code of Ukraine on Bankruptcy Procedures.
Unlike corporate bankruptcy, insolvency proceedings against an individual can be initiated only upon the individual’s own petition. Creditors do not have the right to initiate such proceedings against an individual on their own.
However, the opening of proceedings does not automatically mean that the person is declared bankrupt or that all their debts are discharged. The court proceedings may involve debt restructuring, the satisfaction of creditors’ claims through the sale of assets, and subsequent discharge from certain obligations in cases provided for by law.
Certain types of debt, such as child support obligations, are not subject to discharge as a result of bankruptcy proceedings.
In addition, for five years after being declared bankrupt, the individual is required to disclose their status before entering into loan, credit, surety, or pledge agreements. Reopening an insolvency case during this period is also restricted by law.
You can check information about an individual’s bankruptcy through the “OpenDataBot” service using their tax ID number.
“OpenDataBot” is a Ukrainian service that monitors public registries, providing information on companies, entrepreneurs, court decisions, debt obligations, and other legally significant data. The service regularly publishes analytical reports based on government statistics and open data.
Source: “OpenDataBot”
