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 2020* 21,795 79,026 392,775 415,947 145,648 561,595 329,747 475,395 111,152 4,014,387 2,818,544 1,710,595 1,107,949 852,188 736,279 115,909 2,048,031 2.6 9.5 47.4 50.2 17.6 67.8 39.8 57.4 13.4 486.2 341.4 207.2 134.2 103.2 89.2 14.0 248.0 1.8 6.4 31.9 33.8 11.8 45.7 26.8 38.7 9.0 325.7 228.7 138.8 89.9 69.2 59.7 9.4 166.2
Disposable income: 1st 20%-group 2020* 524 3,108 6,966 23,118 28,689 51,807 40,156 68,845 -16,073 259,519 231,465 114,634 116,830 35,818 22,971 12,847 63,872 0.3 1.9 4.2 14.0 17.3 31.3 24.2 41.6 -9.7 157.2 140.2 69.4 70.7 21.7 13.9 7.8 38.7 0.3 1.5 3.4 11.3 14.0 25.2 19.5 33.5 -7.8 126.1 112.4 55.7 56.8 17.4 11.2 6.2 31.0
Disposable income: 2nd 20%-group 2020* 2,513 4,299 28,482 49,386 32,999 82,385 48,203 81,202 -636 404,541 301,002 182,755 118,247 63,667 53,595 10,071 167,206 1.5 2.6 17.2 29.8 19.9 49.8 29.1 49.0 -0.4 245.0 182.3 110.7 71.6 38.6 32.5 6.1 101.3 1.1 1.9 12.3 21.4 14.3 35.7 20.9 35.2 -0.3 174.9 130.1 79.0 51.1 27.5 23.2 4.4 72.3
Disposable income: 3rd 20%-group 2020* 5,314 7,276 69,404 75,251 30,427 105,678 62,950 93,377 14,146 700,913 478,790 319,038 159,752 147,120 133,303 13,816 369,243 3.2 4.4 41.9 45.4 18.4 63.8 38.0 56.4 8.5 424.4 289.9 193.2 96.7 89.1 80.7 8.4 223.6 2.1 2.8 27.0 29.3 11.8 41.1 24.5 36.3 5.5 271.9 185.8 123.8 62.0 57.1 51.7 5.4 143.3
Disposable income: 4th 20%-group 2020* 6,626 12,319 113,823 101,160 28,483 129,643 78,081 106,564 30,891 961,791 655,863 449,428 206,436 227,074 209,709 17,365 533,002 4.0 7.4 68.7 61.1 17.2 78.3 47.2 64.4 18.7 582.4 397.2 272.1 125.0 137.5 127.0 10.5 322.8 2.5 4.6 42.4 37.7 10.6 48.3 29.1 39.7 11.5 357.3 243.7 167.0 76.7 84.4 77.9 6.5 198.0
Disposable income: 5th 20%-group 2020* 6,818 52,024 174,100 167,032 25,050 192,082 100,357 125,407 82,824 1,687,623 1,151,424 644,740 506,684 378,509 316,701 61,810 914,708 4.1 31.4 105.1 100.9 15.1 116.0 60.6 75.7 50.0 1,021.9 697.2 390.4 306.8 229.2 191.8 37.4 553.9 2.5 19.4 65.0 62.4 9.4 71.8 37.5 46.9 30.9 629.2 429.3 240.4 188.9 141.1 118.1 23.0 341.0
Type: Single man 2020* 2,601 8,151 39,420 44,009 11,466 55,475 49,592 61,058 -3,689 396,019 284,258 157,899 126,359 81,370 65,973 15,397 193,131 1.7 5.5 26.5 29.6 7.7 37.3 33.3 41.0 -2.5 266.7 191.5 106.4 85.1 54.8 44.4 10.4 130.1 1.8 5.5 26.6 29.6 7.7 37.4 33.4 41.1 -2.5 266.7 191.5 106.4 85.1 54.8 44.4 10.4 130.1
Type: Single woman 2020* 2,716 3,877 24,441 39,479 20,856 60,335 48,363 69,219 -10,776 428,832 317,265 191,850 125,416 56,880 44,537 12,343 168,447 1.7 2.5 15.6 25.2 13.3 38.5 30.9 44.2 -6.9 274.5 203.1 122.8 80.3 36.4 28.5 7.9 107.8 1.7 2.5 15.7 25.4 13.4 38.7 31.1 44.5 -6.9 274.5 203.1 122.8 80.3 36.4 28.5 7.9 107.8
Type: One-parent family 2020* 954 4,302 22,203 25,076 12,322 37,398 20,013 32,335 7,101 159,405 113,361 64,428 48,933 43,651 36,551 7,102 89,695 1.7 7.7 39.6 44.8 22.0 66.8 35.7 57.7 12.7 285.4 202.9 115.3 87.6 78.1 65.4 12.7 160.6 1.0 4.7 24.4 27.6 13.5 41.1 22.0 35.5 7.8 174.8 124.3 70.7 53.7 47.9 40.1 7.8 98.4
Type: Couple, with child(ren) 2020* 5,752 39,568 193,985 166,104 55,012 221,116 98,816 153,828 90,427 1,263,165 818,846 452,329 366,516 399,938 364,495 35,442 844,257 2.9 20.2 99.2 85.0 28.1 113.1 50.5 78.7 46.3 647.8 420.0 232.0 188.0 205.1 186.9 18.2 433.0 1.3 9.2 44.9 38.4 12.7 51.1 22.9 35.6 20.9 291.5 189.0 104.4 84.6 92.3 84.1 8.2 194.9
Type: Couple, no children 2020* 9,366 19,200 99,505 123,603 34,959 158,562 98,686 133,645 24,369 1,650,249 1,195,602 796,872 398,730 244,445 204,002 40,443 699,092 4.2 8.7 44.9 55.8 15.8 71.6 44.6 60.4 11.0 747.5 541.6 360.9 180.6 110.7 92.4 18.3 316.7 2.8 5.8 30.1 37.3 10.6 47.9 29.8 40.4 7.4 497.5 360.4 240.2 120.2 73.7 61.5 12.2 210.7
Other types of households 2020* 406 3,928 13,221 17,676 11,033 28,709 14,277 25,310 3,720 116,717 89,212 47,217 41,995 25,904 20,721 5,182 53,409 0.8 7.9 26.7 35.7 22.3 57.9 28.8 51.1 7.5 236.2 180.5 95.5 85.0 52.4 41.9 10.5 108.1 0.6 5.5 18.5 24.8 15.5 40.2 20.0 35.5 5.2 163.2 124.8 66.0 58.7 36.2 29.0 7.2 74.7
Source of income: mixed income 2020* 2,173 54,961 13,738 67,356 13,631 80,987 37,441 51,072 32,444 763,940 427,142 151,859 275,283 121,364 100,181 21,183 458,162 2.7 67.7 16.9 82.9 16.8 99.7 46.1 62.9 39.9 943.2 527.4 187.5 339.9 149.8 123.7 26.2 565.7 1.7 42.1 10.5 51.5 10.4 62.0 28.6 39.1 24.8 583.3 326.2 116.0 210.2 92.7 76.5 16.2 349.9
Source of income: compensation of employ 2020* 10,589 19,284 372,311 256,775 69,137 325,912 188,057 257,194 114,296 1,881,250 1,388,695 868,728 519,968 608,184 539,214 68,969 1,100,739 2.5 4.6 88.6 61.1 16.4 77.5 44.7 61.2 27.2 448.7 331.2 207.2 124.0 145.1 128.6 16.4 262.5 1.5 2.8 53.9 37.2 10.0 47.2 27.2 37.2 16.5 271.8 200.6 125.5 75.1 87.9 77.9 10.0 159.0
Source of income: old age benefits 2020* 8,170 2,517 2,887 68,642 46,823 115,465 74,331 121,154 -29,482 1,225,150 884,587 621,885 262,702 95,330 77,358 17,973 435,893 3.8 1.2 1.4 32.3 22.1 54.4 35.0 57.1 -13.9 578.7 417.8 293.7 124.1 45.0 36.5 8.5 205.9 3.1 1.0 1.1 26.2 17.8 44.0 28.3 46.2 -11.2 465.9 336.4 236.5 99.9 36.3 29.4 6.8 165.8
Source of income: other 2020* 863 2,264 3,839 23,174 16,057 39,231 29,918 45,975 -6,106 144,047 118,120 68,123 49,996 27,310 19,526 7,784 53,237 0.8 2.0 3.4 20.3 14.1 34.4 26.2 40.3 -5.4 126.7 103.9 59.9 44.0 24.0 17.2 6.8 46.8 0.6 1.6 2.6 15.9 11.0 26.9 20.5 31.5 -4.2 98.5 80.8 46.6 34.2 18.7 13.4 5.3 36.4
Main earner: to 35 years 2020* 1,797 12,815 78,324 66,810 20,107 86,917 59,071 79,178 15,504 178,165 97,729 30,524 67,207 122,026 105,395 16,631 202,462 1.0 7.4 45.3 38.7 11.6 50.3 34.2 45.8 9.0 103.4 56.7 17.7 39.0 70.8 61.2 9.7 117.5 0.8 5.6 34.4 29.4 8.8 38.2 26.0 34.8 6.8 78.2 42.9 13.4 29.5 53.5 46.2 7.3 88.8
Main earner: 35 to 50 years 2020* 3,720 28,316 145,268 122,414 40,842 163,256 85,363 126,205 53,649 760,715 473,269 234,217 239,052 313,735 293,355 20,380 601,181 1.9 14.3 73.5 61.9 20.7 82.6 43.2 63.8 27.1 385.8 240.0 118.8 121.2 159.1 148.8 10.3 304.9 1.1 8.2 42.0 35.4 11.8 47.2 24.7 36.5 15.5 219.6 136.6 67.6 69.0 90.6 84.7 5.9 173.5
Main earner: 50 to 65 years 2020* 7,394 30,480 158,504 143,773 34,269 178,042 101,985 136,254 64,424 1,640,711 1,199,259 768,731 430,526 288,254 244,622 43,631 729,706 3.3 13.5 70.0 63.5 15.1 78.6 45.0 60.2 28.4 726.5 531.0 340.4 190.6 127.6 108.3 19.3 323.1 2.0 8.4 43.5 39.5 9.4 48.9 28.0 37.4 17.7 449.3 328.4 210.5 117.9 78.9 67.0 11.9 199.8
Main earner: 65 years or older 2020* 8,884 7,415 10,679 82,950 50,430 133,380 83,328 133,758 -22,425 1,434,796 1,048,287 677,123 371,164 128,173 92,907 35,267 514,682 3.8 3.2 4.6 35.9 21.8 57.7 36.1 57.9 -9.7 622.8 455.0 293.9 161.1 55.6 40.3 15.3 223.4 3.0 2.5 3.7 28.4 17.3 45.6 28.5 45.8 -7.7 490.0 358.0 231.2 126.7 43.8 31.7 12.0 175.8
Home ownership: Owner-occupied home 2020* 22,071 60,300 302,770 302,609 84,462 387,071 219,412 303,874 105,159 3,479,337 2,314,224 1,411,845 902,379 817,957 726,715 91,242 1,983,070 5.0 13.6 68.2 68.1 19.0 87.1 49.4 68.4 23.7 785.4 522.4 318.7 203.7 184.7 164.1 20.6 447.7 3.0 8.2 41.1 41.1 11.5 52.5 29.8 41.2 14.3 471.0 313.3 191.1 122.2 110.7 98.4 12.4 268.5
Home ownership: Rent with rent subsidy 2020* -24 3,623 12,589 31,915 26,904 58,819 37,242 64,146 -5,662 100,546 101,374 56,091 45,282 7,777 1,093 6,684 6,949 0.0 2.5 8.8 22.3 18.8 41.2 26.1 44.9 -4.0 70.5 71.1 39.4 31.8 5.5 0.8 4.7 4.9 0.0 2.0 6.9 17.4 14.6 32.0 20.3 34.9 -3.1 54.6 55.1 30.5 24.6 4.2 0.6 3.6 3.8
Home ownership: Rent: no rent subsidy 2020* -306 14,265 75,027 75,764 27,872 103,636 65,906 93,778 13,692 406,193 376,758 232,312 144,447 24,640 7,535 17,105 54,075 -0.1 6.9 36.4 36.7 13.5 50.3 32.0 45.5 6.6 197.5 183.2 112.9 70.2 12.0 3.7 8.3 26.3 -0.1 5.2 27.6 27.9 10.3 38.1 24.2 34.5 5.0 149.1 138.3 85.3 53.0 9.0 2.8 6.3 19.8
Home ownership: Other 2020* 54 838 2,389 5,659 6,410 12,069 7,187 13,597 -2,037 28,311 26,188 10,347 15,841 1,814 936 878 3,937 0.2 2.4 6.9 16.3 18.5 34.9 20.8 39.3 -5.9 82.0 75.8 30.0 45.9 5.3 2.7 2.5 11.4 0.1 2.3 6.5 15.3 17.3 32.6 19.4 36.8 -5.5 76.4 70.7 27.9 42.7 4.9 2.5 2.4 10.6
Net worth: 1st 20%-group 2020* -335 4,811 38,790 41,040 23,931 64,971 43,808 67,739 521 -13,903 56,793 15,509 41,284 87,518 42,454 45,064 16,822 -0.2 2.9 23.4 24.8 14.5 39.2 26.5 40.9 0.3 -8.4 34.4 9.4 25.0 53.0 25.7 27.3 10.2 -0.2 2.4 19.1 20.2 11.8 31.9 21.5 33.3 0.3 -6.8 27.8 7.6 20.2 42.9 20.8 22.1 8.2
Net worth: 2nd 20%-group 2020* 841 3,934 52,333 53,197 28,337 81,534 51,186 79,523 5,587 156,672 149,537 75,109 74,427 67,449 56,827 10,622 74,584 0.5 2.4 31.6 32.1 17.1 49.2 30.9 48.0 3.4 94.9 90.6 45.5 45.1 40.8 34.4 6.4 45.2 0.4 1.8 23.8 24.2 12.9 37.1 23.3 36.2 2.5 71.1 67.9 34.1 33.8 30.6 25.8 4.8 33.9
Net worth: 3rd 20%-group 2020* 3,980 8,770 88,816 80,033 29,293 109,326 65,308 94,601 22,037 456,703 324,453 206,565 117,889 192,115 179,707 12,408 324,365 2.4 5.3 53.6 48.3 17.7 66.0 39.4 57.1 13.3 276.6 196.5 125.1 71.4 116.3 108.8 7.5 196.4 1.6 3.4 34.8 31.4 11.5 42.9 25.6 37.1 8.6 178.7 127.0 80.8 46.1 75.2 70.3 4.9 126.9
Net worth: 4th 20%-group 2020* 7,412 17,142 99,713 99,134 32,230 131,364 76,679 108,909 29,776 937,656 577,010 392,317 184,693 226,557 215,108 11,450 587,203 4.5 10.4 60.2 59.9 19.5 79.3 46.3 65.8 18.0 567.8 349.4 237.6 111.8 137.2 130.3 6.9 355.6 2.7 6.3 36.7 36.5 11.9 48.3 28.2 40.1 11.0 344.4 211.9 144.1 67.8 83.2 79.0 4.2 215.7
Net worth: 5th 20%-group 2020* 9,897 44,369 113,123 142,543 31,857 174,400 92,766 124,623 53,231 2,477,259 1,710,751 1,021,095 689,656 278,549 242,183 36,365 1,045,057 6.0 26.8 68.3 86.1 19.2 105.3 56.0 75.3 32.1 1,500.1 1,035.9 618.3 417.6 168.7 146.7 22.0 632.8 3.5 15.9 40.4 51.0 11.4 62.3 33.2 44.6 19.0 883.8 610.3 364.3 246.0 99.4 86.4 13.0 372.8
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, 2018, 2019 and 2020 are provisional.

Changes as of September 30th 2022:
The figures of 2015-2019 are revised, because national accounts figures are changed due to the revision policy of Statistics Netherlands. For 2019 also microdata are added that were not available before. Results for 2020 are added to the table.

When will new figures be published?
New figures will be released in September 2023.

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.