Overview
- Health problems account for 17.6% of counselling cases, with unemployment or reduced work at 15.3% and separation or divorce at 9.1%.
- The analysis covers more than 213,000 cases from around 120 debt‑counselling centers between 2013 and 2024, including nearly 32,000 in 2024, and is non‑representative.
- Singles, single parents, and people without a school‑leaving qualification are most at risk, and 51.2% of 2024 counselling clients lived alone.
- Rising housing costs, income poverty, and failed self‑employment intensify the financial fallout of life shocks identified in the report.
- Among those seeking help, the median disposable income is about €990, 44.5% proceed to insolvency, and the median counselling duration in 2024 was 124 days.