Pronounced debt restructuring plans; way of ending, type of debtor, region

Pronounced debt restructuring plans; way of ending, type of debtor, region

Regions Periods Debt restructuring; type of debtor Natural persons total (number) Debt restructuring; type of debtor Natural persons with business (number) Debt restructuring; type of debtor Natural persons without business (number) Debt restructuring; type of ending Total pronounced debt restructurings (number) Debt restructuring; type of ending Ended up to and including December 2017 Total ended (number) Debt restructuring; type of ending Ended up to and including December 2017 Ending by clean slate (number) Debt restructuring; type of ending Ended up to and including December 2017 Ending by agreement (number) Debt restructuring; type of ending Ended up to and including December 2017 Ending by bankruptcy (number) Debt restructuring; type of ending Ended up to and including December 2017 Other endings (number) Debt restructuring; type of ending Ended up to and including December 2017 Not ended yet (number) Debt restructuring plans; age group Total pronounced debt restructurings (number) Debt restructuring plans; age group Younger than 25 years (number) Debt restructuring plans; age group 25 till 35 years (number) Debt restructuring plans; age group 35 till 45 years (number) Debt restructuring plans; age group 45 till 55 years (number) Debt restructuring plans; age group 55 till 65 years (number) Debt restructuring plans; age group 65 years and older (number) Debt restructuring plans; age group Unknown (number)
Total Netherlands 2014 12,264 2,534 9,730 12,264 9,770 8,128 193 159 1,290 2,494 12,264 253 2,628 3,644 3,535 1,773 429 2
Total Netherlands 2015 1st quarter 3,034 575 2,459 3,034 686 337 53 38 258 2,348 3,034 42 640 873 902 450 127 0
Total Netherlands 2015 2nd quarter 2,892 579 2,313 2,892 558 264 33 48 213 2,334 2,892 60 585 779 908 457 103 0
Total Netherlands 2015 3rd quarter 2,900 597 2,303 2,900 536 266 42 32 196 2,364 2,900 45 580 902 875 392 106 0
Total Netherlands 2015 4th quarter 2,877 595 2,282 2,877 410 201 31 27 151 2,467 2,877 45 588 870 861 411 102 0
Total Netherlands 2015 11,703 2,346 9,357 11,703 2,190 1,068 159 145 818 9,513 11,703 192 2,393 3,424 3,546 1,710 438 0
Total Netherlands 2016 1st quarter 2,653 526 2,127 2,653 328 166 25 12 125 2,325 2,653 38 580 766 795 383 91 0
Total Netherlands 2016 2nd quarter 2,283 432 1,851 2,283 229 107 17 7 98 2,054 2,283 36 476 673 686 337 75 0
Total Netherlands 2016 3rd quarter 2,358 432 1,926 2,358 178 91 14 7 66 2,180 2,358 29 414 680 797 354 84 0
Total Netherlands 2016 4th quarter 2,506 453 2,053 2,506 95 22 16 6 51 2,411 2,506 24 449 741 798 394 100 0
Total Netherlands 2016 9,800 1,843 7,957 9,800 830 386 72 32 340 8,970 9,800 127 1,919 2,860 3,076 1,468 350 0
Source: CBS
Explanation of symbols

Table description


This table gives information on debt restructuring plans pronounced by Dutch courts. The sentences are divided by type of verdict, by type of debtor, by age of the debtor, by way of ending and by region.

Data available from: 1999.

Status of the figures:
The data on the number of pronounced debt restructuring plans can be adjusted retrospectively until the year preceding the last reported year. The same applies for the data by age.

Data on debtors with business can be adjusted constantly. The reason for this is that in many cases, it doesn't become clear until the final stages of the debt repayment whether or not it concerns a debtor with a business.
The data on the way of ending can also be adjusted at any moment.

From January 1st 2008, all debt restructuring plans are pronounced finally instead of preliminarily.

Changes as of 30 March 2018:
Figures all quarters of 2017 and the annual figures of 2017 are available.

When will new figures be published?
Due to partial loss of funding, this table will not be updated every quarter. More information can be found in paragraph 3. This table will stop in 2019 en replaced by a new table with only annual figures. This will appear annually at the beginning of the second quarter.

Description topics

Debt restructuring; type of debtor
Natural persons total
A human (individual) who is recognized in the law as legal subject and
therefore bears legal rights and duties
Natural persons with business
A human (individual) who is recognized in the law as legal subject and
therefore bears legal rights and duties, and who is or has been active in
activities concerning a business.
A case is assumed to concern a business if, in the five years prior to
starting the debt restructuring plan, the debtor has practiced an
independent profession or has been in trade and at least 20 percent of
the debt is a consequence of that profession or trade.
Natural persons without business
A human (individual) who is recognized in the law as legal subject and
therefore bears legal rights and duties, and who isn't active in
activities concerning a business, or less than 20 percent of the debt is
a result of the business.
A case is assumed to concern a business if, in the five years prior to
starting the debt restructuring plan, the debtor has practiced an
independent profession or has been in trade and at least 20 percent of
the debt is a consequence of that profession or trade.
Debt restructuring; type of ending
Debt restructuring plans can end in various ways. If the debtor complies
with the arrangements, he is granted a clean state after a period of
(usually) three years. That means that the remainder of the debt can't be
claimed anymore.
Sometimes, an agreement can be reached between debtor and creditor
during the course of the debt restructuring plan. In other cases, the debt
restructuring plan is less successful and ends in bankruptcy of the
debtor. All other ways of ending a debt restructuring plan are included
under "without effect".
Since January 2008, the law is changed such that a debtor will only be
declared bankrupt, if sufficient funds are present to pay the creditors at
the end of the bankruptcy. If funds are insufficient, the debt
restructuring plan will be ended without a clean slate. The remaining
debts are reactivated and the creditors can use all means to collect
their claims again.
Debt restructuring plans ending like this, will be mentioned under
'without effect', along with any other endings that don't involve a clean
slate, agreement or bankruptcy.
Total pronounced debt restructurings
Ended up to and including December 2017
Total ended
Ending by clean slate
If the debtor complies with the arrangements of the debt restructuring
plan, he is granted a clean state after a period of (usually) three years.
That means that the remainder of the debt can't be claimed anymore.
Ending by agreement
An agreement was reached between debtor and creditor(s).
Ending by bankruptcy
Since January 2008, the law is changed such that a debtor will only be
declared bankrupt, if sufficient funds are present to pay the creditors at
the end of the bankruptcy. If funds are insufficient, the debt
restructuring plan will be ended without a clean slate. The remaining
debts are reactivated and the creditors can use all means to collect
their claims again.
Debt restructuring plans ending like this, will be mentioned under
'without effect', along with any other endings that don't involve a clean
slate, agreement or bankruptcy.
Other endings
Debt restructuring plans that were pronounced in the period concerned and
ended other than by clean slate, agreement or bankruptcy at the end of
the last reported period.
Since January 2008, the law is changed such that a debtor will only be
declared bankrupt, if sufficient funds are present to pay the creditors at
the end of the bankruptcy. If funds are insufficient, the debt
restructuring plan will be ended without a clean slate. The remaining
debts are reactivated and the creditors can use all means to collect
their claims again.
Debt restructuring plans ending like this, will be mentioned under
'without effect', along with any other endings that don't involve a clean
slate, agreement or bankruptcy.
Not ended yet
Debt restructuring plans; age group
Debt restructuring plans of private persons who started a debt repayment
plan, classified by age
Total pronounced debt restructurings
Younger than 25 years
25 till 35 years
35 till 45 years
45 till 55 years
55 till 65 years
65 years and older
Unknown