More men than women in Vorarlberg, Austria, are filing for personal bankruptcy, according to data released by the KSV1870 credit protection association on February 18, 2026. The statistics reveal a particularly pronounced trend within the 41 to 60 age group, which accounts for nearly half of all debt restructuring proceedings initiated in the region.
The KSV1870 data indicates that 61 percent of the 8,766 debt restructuring proceedings opened nationwide last year were filed by men. Across Austria, the average debt load at the time of filing was €153,000, a significant increase of 35 percent – or €40,000 – compared to the previous year.
Vorarlberg’s figures closely mirror the national average, with 466 debt restructuring proceedings initiated in the province last year, representing a 9.6 percent increase year-over-year. The average debt per personal insolvency in Vorarlberg stands at €120,000. Of these proceedings, 62 percent involved men and 38 percent women. The KSV1870 reports that men’s debts are, on average, substantially higher than those of women; men entering personal bankruptcy in Vorarlberg carry an average debt of €112,000, while women average €76,000.
The 41-to-60 age group is disproportionately affected, responsible for almost half of all debt restructuring cases in the province. The KSV1870 identified a significant number of these cases involving men who had previously been self-employed. Individuals aged 25 to 40 account for just under 40 percent of all personal bankruptcies, while those over 60 represent approximately ten percent. Those under 25 years of age comprised only three percent of the cases.
A clear correlation exists between age and debt level. Individuals filing for personal bankruptcy generally accumulate higher debts as they age. The average debt for those aged 41 to 60 is €201,000, compared to €97,000 for those aged 25 to 40. The debt burden is lowest for those under 25, averaging €48,000.
