Income, consumption, wealth of households: key figures; National Accounts

Income, consumption, wealth of households: key figures; National Accounts

Characteristics of households Periods Total amount Income Gross operating surplus and mixed income (million euros) Total amount Income Gross mixed income (million euros) Total amount Income Compensation of employees (million euros) Total amount Income Gross disposable income (million euros) Total amount Income Social transfers in kind (million euros) Total amount Income Gross adjusted disposable income (million euros) Total amount Expenditure Final consumption expenditure (million euros) Total amount Expenditure Actual individual consumption (million euros) Total amount Expenditure Gross saving (million euros) Total amount Wealth Net worth (million euros) Total amount Wealth Financial assets Total (million euros) Total amount Wealth Financial assets Pension entitlements and claims (million euros) Total amount Wealth Financial assets Other assets (million euros) Total amount Wealth Financial liabilities Total (million euros) Total amount Wealth Financial liabilities Home mortgages; closing balance (million euros) Total amount Wealth Financial liabilities Other liabilities (million euros) Total amount Wealth Non-financial assets (million euros) Average amount Income Gross operating surplus and mixed income (1,000 euro) Average amount Income Gross mixed income (1,000 euro) Average amount Income Compensation of employees (1,000 euro) Average amount Income Gross disposable income (1,000 euro) Average amount Income Social transfers in kind (1,000 euro) Average amount Income Gross adjusted disposable income (1,000 euro) Average amount Expenditure Final consumption expenditure (1,000 euro) Average amount Expenditure Actual individual consumption (1,000 euro) Average amount Expenditure Gross saving (1,000 euro) Average amount Wealth Net worth (1,000 euro) Average amount Wealth Financial assets Total (1,000 euro) Average amount Wealth Financial assets Pension entitlements and claims (1,000 euro) Average amount Wealth Financial assets Other assets (1,000 euro) Average amount Wealth Financial liabilities Total (1,000 euro) Average amount Wealth Financial liabilities Home mortgages; closing balance (1,000 euro) Average amount Wealth Financial liabilities Other liabilities (1,000 euro) Average amount Wealth Non-financial assets (1,000 euro) Standardised amount Income Gross operating surplus and mixed income (1,000 euro) Standardised amount Income Gross mixed income (1,000 euro) Standardised amount Income Compensation of employees (1,000 euro) Standardised amount Income Gross disposable income (1,000 euro) Standardised amount Income Social transfers in kind (1,000 euro) Standardised amount Income Gross adjusted disposable income (1,000 euro) Standardised amount Expenditure Final consumption expenditure (1,000 euro) Standardised amount Expenditure Actual individual consumption (1,000 euro) Standardised amount Expenditure Gross saving (1,000 euro) Standardised amount Wealth Net worth (1,000 euro) Standardised amount Wealth Financial assets Total (1,000 euro) Standardised amount Wealth Financial assets Pension entitlements and claims (1,000 euro) Standardised amount Wealth Financial assets Other assets (1,000 euro) Standardised amount Wealth Financial liabilities Total (1,000 euro) Standardised amount Wealth Financial liabilities Home mortgages; closing balance (1,000 euro) Standardised amount Wealth Financial liabilities Other liabilities (1,000 euro) Standardised amount Wealth Non-financial assets (1,000 euro)
Total 2018* 19,333 72,332 361,477 376,698 133,201 509,899 335,773 468,974 63,188 3,345,119 2,449,739 1,443,138 1,006,601 836,875 713,806 123,069 1,732,255 2.4 8.9 44.4 46.3 16.4 62.6 41.3 57.6 7.8 412.6 302.2 178.0 124.2 103.2 88.0 15.2 213.7 1.6 6.0 29.8 31.1 11.0 42.1 27.7 38.7 5.2 275.7 201.9 119.0 83.0 69.0 58.8 10.1 142.8
Disposable income: 1st 20%-group 2018* 381 2,868 7,915 21,274 27,677 48,951 39,129 66,806 -17,342 199,632 183,508 94,857 88,651 34,450 23,932 10,518 50,574 0.2 1.8 4.9 13.1 17.0 30.1 24.0 41.0 -10.7 123.1 113.2 58.5 54.7 21.2 14.8 6.5 31.2 0.2 1.4 3.8 10.2 13.3 23.5 18.8 32.1 -8.3 95.9 88.1 45.6 42.6 16.5 11.5 5.1 24.3
Disposable income: 2nd 20%-group 2018* 1,959 3,672 27,243 43,935 28,779 72,714 47,265 76,044 -4,805 306,597 240,289 143,243 97,046 59,784 51,105 8,679 126,092 1.2 2.3 16.7 27.0 17.7 44.7 29.0 46.7 -3.0 189.1 148.2 88.3 59.9 36.9 31.5 5.4 77.8 0.9 1.6 12.1 19.5 12.7 32.2 20.9 33.7 -2.1 135.7 106.3 63.4 42.9 26.5 22.6 3.8 55.8
Disposable income: 3rd 20%-group 2018* 4,764 6,369 65,340 67,265 27,787 95,052 63,681 91,468 5,708 558,344 396,452 261,339 135,113 143,661 130,003 13,658 305,553 2.9 3.9 40.1 41.3 17.1 58.4 39.1 56.2 3.5 344.4 244.5 161.2 83.3 88.6 80.2 8.4 188.5 1.9 2.5 25.7 26.5 10.9 37.4 25.1 36.0 2.2 219.7 156.0 102.9 53.2 56.5 51.2 5.4 120.3
Disposable income: 4th 20%-group 2018* 6,078 10,995 104,615 90,295 25,904 116,199 80,532 106,436 17,220 787,996 560,003 378,748 181,254 222,561 203,286 19,274 450,553 3.7 6.8 64.3 55.5 15.9 71.4 49.5 65.4 10.6 486.0 345.4 233.6 111.8 137.3 125.4 11.9 277.9 2.3 4.2 39.7 34.3 9.8 44.1 30.6 40.4 6.5 299.0 212.5 143.7 68.8 84.5 77.1 7.3 171.0
Disposable income: 5th 20%-group 2018* 6,151 48,428 156,364 153,929 23,054 176,983 105,166 128,220 62,407 1,492,550 1,069,487 564,951 504,537 376,419 305,480 70,940 799,483 3.8 29.7 96.1 94.6 14.2 108.7 64.6 78.8 38.3 920.5 659.6 348.4 311.2 232.2 188.4 43.8 493.1 2.4 18.6 59.9 59.0 8.8 67.8 40.3 49.1 23.9 571.3 409.3 216.2 193.1 144.1 116.9 27.2 306.0
Type: Single man 2018* 2,256 7,187 36,181 39,686 10,371 50,057 48,425 58,796 -7,164 324,725 243,553 131,675 111,878 78,709 63,504 15,205 159,881 1.6 5.0 25.1 27.6 7.2 34.8 33.7 40.9 -5.0 226.6 169.9 91.9 78.1 54.9 44.3 10.6 111.6 1.6 5.0 25.2 27.6 7.2 34.8 33.7 40.9 -5.0 226.6 169.9 91.9 78.1 54.9 44.3 10.6 111.6
Type: Single woman 2018* 2,463 3,487 21,869 35,690 19,063 54,753 47,435 66,498 -13,836 362,849 276,709 165,594 111,115 53,449 41,758 11,692 139,589 1.6 2.3 14.3 23.3 12.4 35.7 31.0 43.4 -9.0 237.8 181.4 108.5 72.8 35.0 27.4 7.7 91.5 1.6 2.3 14.3 23.4 12.5 35.9 31.1 43.6 -9.1 237.8 181.4 108.5 72.8 35.0 27.4 7.7 91.5
Type: One-parent family 2018* 743 3,725 19,461 21,485 11,042 32,527 19,663 30,705 3,471 123,004 93,180 52,522 40,659 40,567 34,042 6,525 70,390 1.4 6.9 35.9 39.6 20.3 59.9 36.2 56.6 6.4 227.5 172.4 97.2 75.2 75.0 63.0 12.1 130.2 0.8 4.2 22.1 24.4 12.5 36.9 22.3 34.9 3.9 139.5 105.7 59.6 46.1 46.0 38.6 7.4 79.8
Type: Couple, with child(ren) 2018* 5,016 36,527 179,957 149,859 50,545 200,404 104,154 154,699 67,443 1,039,256 717,356 376,401 340,953 400,001 358,969 41,031 721,901 2.6 18.7 92.3 76.8 25.9 102.7 53.4 79.3 34.6 534.9 369.2 193.7 175.5 205.9 184.8 21.1 371.6 1.2 8.5 41.8 34.8 11.7 46.5 24.2 35.9 15.7 240.9 166.3 87.3 79.0 92.7 83.2 9.5 167.3
Type: Couple, no children 2018* 8,487 17,716 91,552 113,500 32,123 145,623 101,514 133,637 11,176 1,395,979 1,040,920 676,985 363,936 238,928 195,542 43,386 593,987 3.9 8.1 42.1 52.2 14.8 66.9 46.7 61.4 5.1 644.3 480.4 312.4 168.0 110.3 90.2 20.0 274.1 2.6 5.4 28.1 34.9 9.9 44.8 31.2 41.1 3.4 428.4 319.5 207.8 111.7 73.3 60.0 13.3 182.3
Other types of households 2018* 368 3,690 12,457 16,478 10,057 26,535 14,582 24,639 2,098 99,306 78,021 39,961 38,060 25,221 19,991 5,230 46,507 0.7 7.4 24.9 33.0 20.1 53.1 29.2 49.3 4.2 199.4 156.7 80.2 76.4 50.6 40.1 10.5 93.4 0.5 5.1 17.4 23.0 14.0 37.0 20.3 34.4 2.9 138.3 108.6 55.6 53.0 35.1 27.8 7.3 64.8
Source of income: mixed income 2018* 1,832 50,923 12,293 63,580 12,446 76,026 38,691 51,137 26,556 654,018 373,626 123,834 249,792 126,533 95,816 30,717 406,925 2.3 63.4 15.3 79.2 15.5 94.7 48.2 63.7 33.1 818.1 467.4 154.9 312.5 158.3 119.9 38.4 509.0 1.4 39.5 9.5 49.4 9.7 59.0 30.0 39.7 20.6 507.4 289.9 96.1 193.8 98.2 74.3 23.8 315.7
Source of income: compensation of employ 2018* 9,197 17,177 342,952 228,273 63,369 291,642 192,952 256,321 78,513 1,520,844 1,202,183 717,117 485,066 595,893 527,321 68,572 914,554 2.2 4.2 83.0 55.2 15.3 70.6 46.7 62.0 19.0 369.4 292.0 174.2 117.8 144.8 128.1 16.7 222.2 1.4 2.5 50.4 33.5 9.3 42.8 28.3 37.6 11.5 223.1 176.4 105.2 71.2 87.4 77.4 10.1 134.2
Source of income: old age benefits 2018* 7,491 2,254 2,728 63,604 42,495 106,099 74,496 116,991 -33,581 1,048,778 772,597 542,108 230,489 88,852 71,096 17,756 365,033 3.6 1.1 1.3 30.6 20.5 51.1 35.9 56.3 -16.2 507.2 373.6 262.1 111.5 43.0 34.4 8.6 176.5 2.9 0.9 1.1 24.7 16.5 41.2 28.9 45.5 -13.0 407.1 299.9 210.4 89.5 34.5 27.6 6.9 141.7
Source of income: other 2018* 813 1,978 3,504 21,241 14,891 36,132 29,634 44,525 -8,300 121,479 101,333 60,079 41,254 25,597 19,573 6,024 45,743 0.7 1.8 3.1 18.8 13.2 32.0 26.3 39.5 -7.4 108.2 90.2 53.5 36.7 22.8 17.4 5.4 40.7 0.6 1.4 2.4 14.7 10.3 25.0 20.5 30.8 -5.7 83.8 69.9 41.5 28.5 17.7 13.5 4.2 31.6
Main earner: to 35 years 2018* 1,404 11,405 70,091 58,278 18,557 76,835 58,807 77,364 6,252 129,280 78,164 25,775 52,390 114,838 98,800 16,037 165,953 0.8 6.7 41.0 34.1 10.9 45.0 34.4 45.3 3.7 76.0 45.9 15.2 30.8 67.5 58.1 9.4 97.6 0.6 5.1 31.1 25.9 8.2 34.1 26.1 34.3 2.8 57.3 34.7 11.4 23.2 50.9 43.8 7.1 73.6
Main earner: 35 to 50 years 2018* 3,212 27,232 140,386 114,898 38,316 153,214 91,507 129,823 39,719 637,360 432,452 205,468 226,984 324,866 298,318 26,548 529,774 1.6 13.5 69.6 56.9 19.0 75.9 45.4 64.3 19.7 317.2 215.2 102.2 113.0 161.7 148.4 13.2 263.6 0.9 7.7 39.6 32.4 10.8 43.2 25.8 36.6 11.2 179.7 121.9 57.9 64.0 91.6 84.1 7.5 149.4
Main earner: 50 to 65 years 2018* 6,753 27,157 142,809 127,907 31,046 158,953 103,784 134,830 44,450 1,383,132 1,049,129 658,346 390,783 280,828 234,869 45,960 614,833 3.1 12.3 64.8 58.0 14.1 72.1 47.1 61.1 20.2 629.7 477.7 299.7 177.9 127.9 106.9 20.9 279.9 1.9 7.7 40.4 36.2 8.8 45.0 29.4 38.2 12.6 391.3 296.8 186.2 110.5 79.4 66.4 13.0 173.9
Main earner: 65 years or older 2018* 7,964 6,538 8,191 75,615 45,282 120,897 81,675 126,957 -27,233 1,195,347 889,994 553,549 336,444 116,343 81,819 34,524 421,695 3.6 3.0 3.7 34.2 20.5 54.7 37.0 57.5 -12.3 543.3 404.5 251.6 152.9 52.9 37.2 15.7 191.7 2.9 2.3 2.9 27.1 16.2 43.3 29.2 45.5 -9.8 427.7 318.4 198.0 120.4 41.6 29.3 12.4 150.9
Home ownership: Owner-occupied home 2018* 19,614 55,715 281,394 275,968 76,777 352,745 226,556 303,333 70,364 2,877,073 2,006,765 1,182,978 823,789 802,880 703,386 99,494 1,673,187 4.5 12.8 64.5 63.3 17.6 80.9 51.9 69.5 16.1 662.2 461.9 272.3 189.6 184.8 161.9 22.9 385.1 2.7 7.7 38.8 38.0 10.6 48.6 31.2 41.8 9.7 395.9 276.2 162.8 113.4 110.5 96.8 13.7 230.3
Home ownership: Rent with rent subsidy 2018* -25 3,007 9,791 26,348 23,651 49,999 34,284 57,935 -8,692 77,164 77,095 40,488 36,606 6,331 1,351 4,980 6,400 0.0 2.3 7.4 19.8 17.8 37.6 25.8 43.5 -6.5 58.2 58.2 30.6 27.6 4.8 1.0 3.8 4.8 0.0 1.7 5.7 15.3 13.8 29.1 20.0 33.7 -5.1 44.9 44.8 23.5 21.3 3.7 0.8 2.9 3.7
Home ownership: Rent: no rent subsidy 2018* -312 12,750 67,873 68,766 27,001 95,767 67,776 94,777 3,574 366,219 343,011 210,905 132,105 25,889 8,129 17,760 49,098 -0.1 6.1 32.4 32.8 12.9 45.7 32.4 45.2 1.7 175.5 164.4 101.1 63.3 12.4 3.9 8.5 23.5 -0.1 4.6 24.5 24.9 9.8 34.6 24.5 34.3 1.3 132.3 123.9 76.2 47.7 9.4 2.9 6.4 17.7
Home ownership: Other 2018* 56 860 2,419 5,616 5,772 11,388 7,157 12,929 -2,058 24,663 22,868 8,767 14,101 1,775 940 835 3,570 0.2 2.4 6.9 16.0 16.4 32.4 20.3 36.7 -5.8 70.3 65.2 25.0 40.2 5.1 2.7 2.4 10.2 0.1 2.3 6.4 14.9 15.3 30.2 19.0 34.3 -5.5 65.4 60.7 23.3 37.4 4.7 2.5 2.2 9.5
Net worth: 1st 20%-group 2018* -558 4,577 39,825 38,752 21,346 60,098 43,945 65,291 -2,003 -29,571 52,309 18,344 33,965 99,321 56,865 42,456 17,441 -0.3 2.8 24.5 23.8 13.1 36.9 27.0 40.1 -1.2 -18.2 32.3 11.3 20.9 61.3 35.1 26.2 10.8 -0.3 2.2 19.5 19.0 10.5 29.4 21.5 32.0 -1.0 -14.5 25.6 9.0 16.6 48.6 27.8 20.8 8.5
Net worth: 2nd 20%-group 2018* 831 3,035 48,550 47,279 26,454 73,733 51,173 77,627 -554 122,604 121,725 59,505 62,220 69,739 59,930 9,810 70,618 0.5 1.9 29.8 29.0 16.3 45.3 31.4 47.7 -0.3 75.6 75.1 36.7 38.4 43.0 37.0 6.1 43.6 0.4 1.4 22.3 21.7 12.1 33.9 23.5 35.6 -0.3 56.2 55.8 27.3 28.5 32.0 27.5 4.5 32.4
Net worth: 3rd 20%-group 2018* 3,181 7,298 82,702 70,997 27,000 97,997 66,087 93,087 11,926 358,300 278,238 176,138 102,099 181,975 168,619 13,357 262,038 2.0 4.5 50.8 43.6 16.6 60.2 40.6 57.2 7.3 221.0 171.6 108.6 63.0 112.2 104.0 8.2 161.6 1.3 2.9 32.9 28.2 10.7 39.0 26.3 37.0 4.7 142.4 110.5 70.0 40.6 72.3 67.0 5.3 104.1
Net worth: 4th 20%-group 2018* 6,653 15,648 90,258 88,266 29,344 117,610 78,192 107,536 16,949 765,372 495,318 333,779 161,539 213,368 198,510 14,858 483,422 4.1 9.6 55.4 54.2 18.0 72.2 48.0 66.1 10.4 472.0 305.5 205.9 99.6 131.6 122.4 9.2 298.2 2.5 5.9 34.0 33.2 11.0 44.3 29.4 40.5 6.4 287.8 186.3 125.5 60.7 80.2 74.6 5.6 181.8
Net worth: 5th 20%-group 2018* 9,226 41,774 100,142 131,404 29,057 160,461 96,376 125,433 36,870 2,128,414 1,502,149 855,372 646,778 272,472 229,882 42,588 898,736 5.7 25.7 61.5 80.7 17.8 98.6 59.2 77.1 22.6 1,312.7 926.5 527.6 398.9 168.0 141.8 26.3 554.3 3.4 15.3 36.7 48.2 10.6 58.8 35.3 46.0 13.5 779.2 550.0 313.2 236.8 99.8 84.2 15.6 329.0
Source: CBS.
Explanation of symbols

Table description


This table describes the distribution of income, consumption, and wealth components of the sector households in the national accounts over different household groups. Households are identified by main source of income, living situation, household composition, age classes of the head of the household, income class by 20% groups, and net worth class by 20% groups.

Data available from: 2015.

Status of the figures:
Data of 2015, 2016, 2017 and 2018 are provisional.

Changes as of June 24th 2020:
The figures of 2015 and 2016 are revised, because national accounts figures are changed due to a revision (for example balances of households). For 2017 also microdata are added that were not available in June 2019. The table shows not only the revised figures of 2015-2017, but also results of 2018.

When will new figures be published?
New figures will be released in June 2021.

Description topics

Total amount
Income
Receipts from production, wages, social transfers, and property income. Compensation of employees are the wages received for labour, including the social contributions paid for by the employers. Gross operating surplus, gross mixed income and gross disposable income are balancing items. Social transfers in kind are also included, together with disposable income, this leads to the balancing item adjusted disposable income.
Gross operating surplus and mixed income
The surplus that remains after compensation of employees and taxes less subsidies on production and imports have been subtracted from the sum of value added at basic prices. For the self-employed (who are part of the sector households) the surplus is called mixed income, because it is partly a reward for their entrepreneurship compensation of labour.
The operating surplus of households equals housing services produced for own consumption by owner-occupiers.

In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.

Gross mixed income
Mixed income is for households mainly equal to the income earned by sole proprietors and other entrepreneurs personally liable for all gains and losses from their activities. The income earned has both an element of wage income as well as profit since the entrepreneur is both rewarded for the provided labour input as well as the undertaken risks. Included in mixed income are rentals received from letting real estate and income earned from black and illegal activities.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
Compensation of employees
The compensation of employees is the total remuneration, in cash or in kind, payable by an employer to an employee in return for work done by the latter during an accounting period. The compensation of employees is equal to the sum of wages and salaries and employers' social contributions.
Gross disposable income
The sum of the gross disposable incomes of the institutional sectors. Gross national disposable income equals gross national income (at market prices) minus current transfers (current taxes on income, wealth et cetera, social contributions, social benefits and other current transfers) paid to non-resident units, plus current transfers received by resident units from the rest of the world. Because disposable national income is not a production concept but an income concept, it is usually expressed in net terms, i.e. after deduction of depreciation (consumption of fixed capital).
Social transfers in kind
Social transfers in kind consist of individual goods and services provided for free or at prices that are not economically significant to individual households by government units and NPISHs, whether purchased on the market or produced as non-market output by government units or NPISHs. They are financed out of taxation, other government income or social security contributions, or out of donations and property income in the case of NPISHs.
Gross adjusted disposable income
Adjusted disposable income is equal to disposable income of households including any income transfers in kind provided to households free of charge by general government or NPISH. This variable facilitates comparisons over time and across countries when there are differences or changes in economic and social conditions.

In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
Expenditure
Expenditures on goods and services that are used for the direct satisfaction of individual needs. This includes the social transfers in kind, which together with the individual expenditures result in actual individual final consumption.
Final consumption expenditure
Expenditure on goods or services that are used for the direct satisfaction of individual or collective needs. Expenses may be made at home or abroad, but they are always made by resident institutional units, that are households or institutions residing in the Netherlands. By definition only households, non-profit institutions serving households (NPISHs) and government institutions consume. Enterprises do not: expenses they make on goods and services are thought to serve production and are therefore classified as intermediate consumption of fixed capital formation. The general government is a special case. The government also has intermediate consumption, just like enterprises. But the output delivered by the government which is not directly paid for, non-market output (like safety), is classified as consumption by the general government. It is said that the government ‘consumes its own production’. The system of national accounts demands that all that is produced is also consumed (or serves as an investment). By convention, government output is consumed by the government itself. This is not the only consumption by the general government. It also contains social transfers in kind. In the Netherlands this mainly concerns health care bills paid for by the government and an allowance for the rent.
Actual individual consumption
Actual individual consumption of households equals social transfers in kind plus final consumption expenditure.
Gross saving
The portion of disposable income that has not been used for final consumption expenditure.
Wealth
Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these NPISH are no longer included.
Net worth
Net worth equals the financial assets minus the liabilities plus the non-financial assets.
Financial assets
Assets are possessions of households.
Total
Pension entitlements and claims
Pension entitlements and claims of pension funds on pension managers and entitlements to non-pension benefits
Pension entitlements comprise financial claims that current employees and former employees hold against either:
- their employers;
- a scheme designated by the employer to pay pensions as part of a compensation agreement between the employer and the employee
- an insurer.

Claims of pension funds on pension managers and entitlements to non-pension benefits
For the Netherlands this category only relates to claims of pension funds on pension managers, entitlements to non-pension benefits don’t occur here.
An employer may contract with a third party to look after the pension funds for his employees. If the employer continues to determine the terms of the pension schemes and retains the responsibility for any deficit in funding as well as the right to retain any excess funding, the employer is described as the pension manager and the unit working under the direction of the pension manger is described as the pension administrator. If the agreement between the employer and the third party is such that the employer passes the risks and responsibilities for any deficit in funding to the third part in return for the right of the third party to retain any excess, the third party becomes the pension manager as well as the administrator.
Other assets
Other assets are possessions of households excluding pension entitlements.
Financial liabilities
Liabilities are debts of households.
Total
Home mortgages; closing balance
Total of the home mortgages at the end of the period. These are long-term loans with as collateral the property itself which is occupied by the private person.

Other liabilities
Other liabilities are debts, excluding home mortgages.
Non-financial assets
Non-financial assets are objects which represent an economic value, on which property rights can be exerted and which do not have a financial character. In practice, this includes approximately all (non-financial) objects which can be sold. Examples of objects which cannot be sold are the sea and the air. Examples of assets which have a financial character are stocks and pensions. Non-financial assets consist of fixed assets, inventories, land and oil, gas reserves and consumer durables. The data relate to households including non-profit institutions serving households.
Average amount
Amount per household.
Income
Receipts from production, wages, social transfers, and property income. Compensation of employees are the wages received for labour, including the social contributions paid for by the employers. Gross operating surplus, gross mixed income and gross disposable income are balancing items. Social transfers in kind are also included, together with disposable income, this leads to the balancing item adjusted disposable income.
Gross operating surplus and mixed income
The surplus that remains after compensation of employees and taxes less subsidies on production and imports have been subtracted from the sum of value added at basic prices. For the self-employed (who are part of the sector households) the surplus is called mixed income, because it is partly a reward for their entrepreneurship compensation of labour.
The operating surplus of households equals housing services produced for own consumption by owner-occupiers.

In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.

Gross mixed income
Mixed income is for households mainly equal to the income earned by sole proprietors and other entrepreneurs personally liable for all gains and losses from their activities. The income earned has both an element of wage income as well as profit since the entrepreneur is both rewarded for the provided labour input as well as the undertaken risks. Included in mixed income are rentals received from letting real estate and income earned from black and illegal activities.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
Compensation of employees
The compensation of employees is the total remuneration, in cash or in kind, payable by an employer to an employee in return for work done by the latter during an accounting period. The compensation of employees is equal to the sum of wages and salaries and employers' social contributions.
Gross disposable income
The sum of the gross disposable incomes of the institutional sectors. Gross national disposable income equals gross national income (at market prices) minus current transfers (current taxes on income, wealth et cetera, social contributions, social benefits and other current transfers) paid to non-resident units, plus current transfers received by resident units from the rest of the world. Because disposable national income is not a production concept but an income concept, it is usually expressed in net terms, i.e. after deduction of depreciation (consumption of fixed capital).
Social transfers in kind
Social transfers in kind consist of individual goods and services provided for free or at prices that are not economically significant to individual households by government units and NPISHs, whether purchased on the market or produced as non-market output by government units or NPISHs. They are financed out of taxation, other government income or social security contributions, or out of donations and property income in the case of NPISHs.
Gross adjusted disposable income
Adjusted disposable income is equal to disposable income of households including any income transfers in kind provided to households free of charge by general government or NPISH. This variable facilitates comparisons over time and across countries when there are differences or changes in economic and social conditions.

In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
Expenditure
Expenditures on goods and services that are used for the direct satisfaction of individual needs. This includes the social transfers in kind, which together with the individual expenditures result in actual individual final consumption.
Final consumption expenditure
Expenditure on goods or services that are used for the direct satisfaction of individual or collective needs. Expenses may be made at home or abroad, but they are always made by resident institutional units, that are households or institutions residing in the Netherlands. By definition only households, non-profit institutions serving households (NPISHs) and government institutions consume. Enterprises do not: expenses they make on goods and services are thought to serve production and are therefore classified as intermediate consumption of fixed capital formation. The general government is a special case. The government also has intermediate consumption, just like enterprises. But the output delivered by the government which is not directly paid for, non-market output (like safety), is classified as consumption by the general government. It is said that the government ‘consumes its own production’. The system of national accounts demands that all that is produced is also consumed (or serves as an investment). By convention, government output is consumed by the government itself. This is not the only consumption by the general government. It also contains social transfers in kind. In the Netherlands this mainly concerns health care bills paid for by the government and an allowance for the rent.
Actual individual consumption
Actual individual consumption of households equals social transfers in kind plus final consumption expenditure.
Gross saving
The portion of disposable income that has not been used for final consumption expenditure.
Wealth
Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth.
Net worth
Net worth equals the financial assets minus the liabilities plus the non-financial assets.
Financial assets
Assets are possessions of households.
Total
Pension entitlements and claims
Pension entitlements and claims of pension funds on pension managers and entitlements to non-pension benefits
Pension entitlements comprise financial claims that current employees and former employees hold against either:
- their employers;
- a scheme designated by the employer to pay pensions as part of a compensation agreement between the employer and the employee
- an insurer.

Claims of pension funds on pension managers and entitlements to non-pension benefits
For the Netherlands this category only relates to claims of pension funds on pension managers, entitlements to non-pension benefits don’t occur here.
An employer may contract with a third party to look after the pension funds for his employees. If the employer continues to determine the terms of the pension schemes and retains the responsibility for any deficit in funding as well as the right to retain any excess funding, the employer is described as the pension manager and the unit working under the direction of the pension manger is described as the pension administrator. If the agreement between the employer and the third party is such that the employer passes the risks and responsibilities for any deficit in funding to the third part in return for the right of the third party to retain any excess, the third party becomes the pension manager as well as the administrator.
Other assets
Other assets are possessions of households excluding pension entitlements.
Financial liabilities
Liabilities are debts of households.
Total
Home mortgages; closing balance
Total of the home mortgages at the end of the period. These are long-term loans with as collateral the property itself which is occupied by the private person.

Other liabilities
Other liabilities are debts, excluding home mortgages.
Non-financial assets
Non-financial assets are objects which represent an economic value, on which property rights can be exerted and which do not have a financial character. In practice, this includes approximately all (non-financial) objects which can be sold. Examples of objects which cannot be sold are the sea and the air. Examples of assets which have a financial character are stocks and pensions. Non-financial assets consist of fixed assets, inventories, land and oil, gas reserves and consumer durables. The data relate to households including non-profit institutions serving households.
Standardised amount
Amount per household converted to a single-person household.
Income
Receipts from production, wages, social transfers, and property income. Compensation of employees are the wages received for labour, including the social contributions paid for by the employers. Gross operating surplus, gross mixed income and gross disposable income are balancing items. Social transfers in kind are also included, together with disposable income, this leads to the balancing item adjusted disposable income.
Gross operating surplus and mixed income
The surplus that remains after compensation of employees and taxes less subsidies on production and imports have been subtracted from the sum of value added at basic prices. For the self-employed (who are part of the sector households) the surplus is called mixed income, because it is partly a reward for their entrepreneurship compensation of labour.
The operating surplus of households equals housing services produced for own consumption by owner-occupiers.

In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
Gross mixed income
Mixed income is for households mainly equal to the income earned by sole proprietors and other entrepreneurs personally liable for all gains and losses from their activities. The income earned has both an element of wage income as well as profit since the entrepreneur is both rewarded for the provided labour input as well as the undertaken risks. Included in mixed income are rentals received from letting real estate and income earned from black and illegal activities.
In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
Compensation of employees
The compensation of employees is the total remuneration, in cash or in kind, payable by an employer to an employee in return for work done by the latter during an accounting period. The compensation of employees is equal to the sum of wages and salaries and employers' social contributions.
Gross disposable income
The sum of the gross disposable incomes of the institutional sectors. Gross national disposable income equals gross national income (at market prices) minus current transfers (current taxes on income, wealth et cetera, social contributions, social benefits and other current transfers) paid to non-resident units, plus current transfers received by resident units from the rest of the world. Because disposable national income is not a production concept but an income concept, it is usually expressed in net terms, i.e. after deduction of depreciation (consumption of fixed capital).
Social transfers in kind
Social transfers in kind consist of individual goods and services provided for free or at prices that are not economically significant to individual households by government units and NPISHs, whether purchased on the market or produced as non-market output by government units or NPISHs. They are financed out of taxation, other government income or social security contributions, or out of donations and property income in the case of NPISHs.
Gross adjusted disposable income
Adjusted disposable income is equal to disposable income of households including any income transfers in kind provided to households free of charge by general government or NPISH. This variable facilitates comparisons over time and across countries when there are differences or changes in economic and social conditions.

In the system of national accounts gross means that consumption of fixed capital (depreciation) has not been subtracted. When it has, net is used.
Expenditure
Expenditures on goods and services that are used for the direct satisfaction of individual needs. This includes the social transfers in kind, which together with the individual expenditures result in actual individual final consumption.
Final consumption expenditure
Expenditure on goods or services that are used for the direct satisfaction of individual or collective needs. Expenses may be made at home or abroad, but they are always made by resident institutional units, that are households or institutions residing in the Netherlands. By definition only households, non-profit institutions serving households (NPISHs) and government institutions consume. Enterprises do not: expenses they make on goods and services are thought to serve production and are therefore classified as intermediate consumption of fixed capital formation. The general government is a special case. The government also has intermediate consumption, just like enterprises. But the output delivered by the government which is not directly paid for, non-market output (like safety), is classified as consumption by the general government. It is said that the government ‘consumes its own production’. The system of national accounts demands that all that is produced is also consumed (or serves as an investment). By convention, government output is consumed by the government itself. This is not the only consumption by the general government. It also contains social transfers in kind. In the Netherlands this mainly concerns health care bills paid for by the government and an allowance for the rent.
Actual individual consumption
Actual individual consumption of households equals social transfers in kind plus final consumption expenditure.
Gross saving
The portion of disposable income that has not been used for final consumption expenditure.
Wealth
Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth.
Net worth
Net worth equals the financial assets minus the liabilities plus the non-financial assets.
Financial assets
Assets are possessions of households.
Total
Pension entitlements and claims
Pension entitlements and claims of pension funds on pension managers and entitlements to non-pension benefits
Pension entitlements comprise financial claims that current employees and former employees hold against either:
- their employers;
- a scheme designated by the employer to pay pensions as part of a compensation agreement between the employer and the employee
- an insurer.

Claims of pension funds on pension managers and entitlements to non-pension benefits
For the Netherlands this category only relates to claims of pension funds on pension managers, entitlements to non-pension benefits don’t occur here.
An employer may contract with a third party to look after the pension funds for his employees. If the employer continues to determine the terms of the pension schemes and retains the responsibility for any deficit in funding as well as the right to retain any excess funding, the employer is described as the pension manager and the unit working under the direction of the pension manger is described as the pension administrator. If the agreement between the employer and the third party is such that the employer passes the risks and responsibilities for any deficit in funding to the third part in return for the right of the third party to retain any excess, the third party becomes the pension manager as well as the administrator.
Other assets
Other assets are possessions of households excluding pension entitlements.
Financial liabilities
Liabilities are debts of households.
Total
Home mortgages; closing balance
Total of the home mortgages at the end of the period. These are long-term loans with as collateral the property itself which is occupied by the private person.

Other liabilities
Other liabilities are debts, excluding home mortgages.
Non-financial assets
Non-financial assets are objects which represent an economic value, on which property rights can be exerted and which do not have a financial character. In practice, this includes approximately all (non-financial) objects which can be sold. Examples of objects which cannot be sold are the sea and the air. Examples of assets which have a financial character are stocks and pensions. Non-financial assets consist of fixed assets, inventories, land and oil, gas reserves and consumer durables. The data relate to households including non-profit institutions serving households.