- Luxembourg: Household debt fell relative to income in 2025, with the ratio at 118.1%, but amounts owed did not fall.
- Poland: The debt-to-income ratio fell to 29.6%, without a decline in amounts owed.
- Cyprus and Greece: Household debt also eased relative to income, though amounts owed did not fall.
Across the EU, household debt stood at 66.3% of income in 2025; the declines reported in these countries did not mean households owed less.