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 2021* 24,855 86,648 408,557 439,442 158,566 598,008 354,930 513,496 109,542 4,446,622 3,091,362 1,906,167 1,185,195 868,754 751,949 116,805 2,224,014 3.0 10.4 48.9 52.6 19.0 71.6 42.5 61.5 13.1 535.6 372.4 229.6 142.8 104.6 90.6 14.1 267.9 2.0 7.0 33.0 35.5 12.8 48.3 28.7 41.5 8.9 359.1 249.6 153.9 95.7 70.2 60.7 9.4 179.6
Disposable income: 1st 20%-group 2021* 645 3,415 7,521 24,381 31,483 55,864 41,655 73,138 -16,526 306,822 264,770 136,066 128,703 31,525 23,637 7,888 73,577 0.4 2.0 4.5 14.6 18.8 33.4 24.9 43.8 -9.9 184.8 159.5 81.9 77.5 19.0 14.2 4.8 44.3 0.3 1.6 3.6 11.8 15.2 26.9 20.1 35.3 -8.0 147.9 127.6 65.6 62.0 15.2 11.4 3.8 35.5
Disposable income: 2nd 20%-group 2021* 2,817 4,373 30,235 51,579 35,306 86,885 51,029 86,335 -1,713 448,090 325,234 197,158 128,075 63,060 55,462 7,597 185,916 1.7 2.6 18.1 30.9 21.1 52.0 30.5 51.7 -1.0 269.9 195.9 118.7 77.1 38.0 33.4 4.6 112.0 1.2 1.9 13.1 22.3 15.2 37.5 22.0 37.3 -0.7 193.3 140.3 85.1 55.3 27.2 23.9 3.3 80.2
Disposable income: 3rd 20%-group 2021* 5,855 7,278 72,290 78,115 33,060 111,175 67,693 100,753 12,026 774,003 522,619 350,966 171,654 148,198 136,314 11,884 399,582 3.5 4.4 43.3 46.8 19.8 66.6 40.5 60.3 7.2 466.2 314.8 211.4 103.4 89.3 82.1 7.2 240.7 2.3 2.8 28.0 30.3 12.8 43.1 26.2 39.1 4.7 299.9 202.5 136.0 66.5 57.4 52.8 4.6 154.8
Disposable income: 4th 20%-group 2021* 7,460 12,717 118,185 105,073 31,047 136,120 84,639 115,686 28,526 1,070,310 727,507 503,445 224,062 232,550 214,405 18,145 575,353 4.5 7.6 70.8 62.9 18.6 81.5 50.7 69.3 17.1 644.6 438.2 303.2 134.9 140.1 129.1 10.9 346.5 2.8 4.7 43.8 38.9 11.5 50.4 31.3 42.8 10.6 396.1 269.3 186.3 82.9 86.1 79.4 6.7 212.9
Disposable income: 5th 20%-group 2021* 8,078 58,865 180,326 180,294 27,670 207,964 109,914 137,584 87,229 1,847,397 1,251,232 718,532 532,701 393,421 322,131 71,291 989,586 4.8 35.2 108.0 107.9 16.6 124.5 65.8 82.4 52.2 1,112.6 753.6 432.7 320.8 236.9 194.0 42.9 596.0 3.0 21.8 66.6 66.6 10.2 76.9 40.6 50.8 32.2 682.3 462.1 265.4 196.7 145.3 119.0 26.3 365.5
Type: Single man 2021* 2,905 8,938 40,990 46,694 12,564 59,258 52,296 64,860 -3,815 438,408 309,053 174,415 134,638 80,780 66,886 13,894 210,135 1.9 6.0 27.3 31.1 8.4 39.5 34.9 43.2 -2.5 294.0 207.3 117.0 90.3 54.2 44.9 9.3 140.9 1.9 6.0 27.4 31.2 8.4 39.7 35.0 43.4 -2.6 294.0 207.3 117.0 90.3 54.2 44.9 9.3 140.9
Type: Single woman 2021* 2,966 4,161 25,390 41,249 22,406 63,655 50,420 72,826 -11,485 469,321 339,109 205,477 133,632 55,016 45,821 9,197 185,228 1.9 2.6 16.1 26.2 14.2 40.4 32.0 46.2 -7.3 299.8 216.7 131.3 85.4 35.2 29.3 5.9 118.3 1.9 2.7 16.2 26.4 14.3 40.7 32.3 46.6 -7.3 299.8 216.7 131.3 85.4 35.2 29.3 5.9 118.3
Type: One-parent family 2021* 1,106 4,706 23,387 26,614 13,389 40,003 21,684 35,073 7,125 183,371 129,352 76,272 53,081 43,807 37,448 6,358 97,826 2.0 8.3 41.4 47.1 23.7 70.8 38.4 62.1 12.6 326.7 230.4 135.9 94.6 78.0 66.7 11.3 174.3 1.2 5.1 25.5 29.1 14.6 43.7 23.7 38.3 7.8 200.0 141.1 83.2 57.9 47.8 40.8 6.9 106.7
Type: Couple, with child(ren) 2021* 7,113 43,055 200,564 174,857 59,713 234,570 108,077 167,790 91,707 1,430,072 936,187 544,975 391,210 415,598 369,241 46,357 909,483 3.6 22.1 102.8 89.6 30.6 120.2 55.4 86.0 47.0 737.1 482.6 280.9 201.6 214.2 190.3 23.9 468.8 1.7 10.0 46.5 40.6 13.9 54.4 25.1 38.9 21.3 331.5 217.0 126.3 90.7 96.4 85.6 10.7 210.9
Type: Couple, no children 2021* 10,272 21,188 104,297 130,811 38,539 169,350 106,899 145,438 22,048 1,795,924 1,280,727 853,249 427,479 247,235 211,192 36,042 762,432 4.6 9.4 46.5 58.3 17.2 75.5 47.7 64.8 9.8 805.5 574.4 382.7 191.7 110.9 94.7 16.2 342.0 3.1 6.3 31.1 39.1 11.5 50.6 31.9 43.4 6.6 535.7 382.0 254.5 127.5 73.7 63.0 10.8 227.4
Other types of households 2021* 493 4,600 13,929 19,217 11,955 31,172 15,554 27,509 3,962 129,526 96,934 51,779 45,155 26,318 21,361 4,957 58,910 1.0 8.9 26.9 37.1 23.1 60.2 30.0 53.1 7.7 251.6 188.3 100.6 87.7 51.1 41.5 9.6 114.4 0.7 6.2 18.7 25.9 16.1 41.9 20.9 37.0 5.3 174.1 130.3 69.6 60.7 35.4 28.7 6.7 79.2
Source of income: mixed income 2021* 2,746 61,188 15,089 76,602 15,129 91,731 41,805 56,934 37,375 786,063 444,429 169,403 275,026 147,902 101,560 46,342 489,536 3.3 73.7 18.2 92.3 18.2 110.5 50.3 68.6 45.0 952.4 538.5 205.2 333.2 179.2 123.0 56.1 593.1 2.1 45.8 11.3 57.3 11.3 68.6 31.3 42.6 28.0 587.7 332.3 126.7 205.6 110.6 75.9 34.6 366.0
Source of income: compensation of employ 2021* 12,391 20,534 386,346 267,011 75,655 342,666 203,667 279,322 112,216 2,192,771 1,600,964 1,024,925 576,038 603,761 549,794 53,968 1,195,568 2.9 4.8 91.1 62.9 17.8 80.8 48.0 65.8 26.4 519.9 379.6 243.0 136.6 143.1 130.4 12.8 283.5 1.8 3.0 55.6 38.4 10.9 49.3 29.3 40.2 16.2 315.5 230.4 147.5 82.9 86.9 79.1 7.8 172.0
Source of income: old age benefits 2021* 8,811 2,619 3,132 71,833 50,635 122,468 78,888 129,523 -33,911 1,309,368 919,545 637,588 281,958 93,831 82,016 11,815 483,654 4.1 1.2 1.5 33.3 23.5 56.7 36.5 60.0 -15.7 610.3 428.6 297.2 131.4 43.7 38.2 5.5 225.4 3.3 1.0 1.2 27.0 19.0 46.0 29.6 48.7 -12.7 491.6 345.3 239.4 105.9 35.2 30.8 4.4 181.6
Source of income: other 2021* 907 2,307 3,990 23,996 17,147 41,143 30,570 47,717 -6,138 158,420 126,424 74,251 52,173 23,260 18,579 4,680 55,256 0.8 2.1 3.6 21.4 15.3 36.7 27.3 42.6 -5.5 142.3 113.5 66.7 46.9 20.9 16.7 4.2 49.6 0.6 1.6 2.8 16.8 12.0 28.7 21.4 33.3 -4.3 110.6 88.3 51.8 36.4 16.2 13.0 3.3 38.6
Main earner: to 35 years 2021* 2,066 14,097 82,449 70,637 22,144 92,781 63,305 85,449 15,944 208,567 117,888 42,068 75,818 126,499 109,125 17,374 217,178 1.2 8.1 47.3 40.5 12.7 53.3 36.3 49.0 9.2 120.4 68.1 24.3 43.8 73.0 63.0 10.0 125.4 0.9 6.1 35.9 30.8 9.6 40.4 27.6 37.2 6.9 90.8 51.3 18.3 33.0 55.1 47.5 7.6 94.6
Main earner: 35 to 50 years 2021* 4,716 30,339 148,433 126,938 44,008 170,946 91,218 135,226 53,737 855,023 541,150 292,580 248,570 323,728 293,123 30,604 637,601 2.4 15.5 75.7 64.8 22.4 87.2 46.5 69.0 27.4 438.8 277.7 150.1 127.6 166.1 150.4 15.7 327.2 1.4 8.9 43.4 37.1 12.9 50.0 26.7 39.6 15.7 249.9 158.2 85.5 72.7 94.6 85.7 8.9 186.4
Main earner: 50 to 65 years 2021* 8,414 34,077 166,110 153,820 37,748 191,568 111,322 149,070 66,183 1,845,183 1,344,581 878,123 466,460 296,957 251,610 45,348 797,559 3.7 14.8 72.4 67.0 16.4 83.5 48.5 65.0 28.8 808.9 589.4 384.9 204.5 130.2 110.3 19.9 349.6 2.3 9.2 45.0 41.7 10.2 51.9 30.2 40.4 17.9 500.0 364.3 237.9 126.4 80.5 68.2 12.3 216.1
Main earner: 65 years or older 2021* 9,659 8,135 11,565 88,047 54,666 142,713 89,085 143,751 -26,322 1,537,849 1,087,743 693,396 394,347 121,570 98,091 23,479 571,676 4.1 3.5 4.9 37.4 23.2 60.6 37.8 61.1 -11.2 657.1 464.8 296.3 168.5 51.9 41.9 10.0 244.3 3.2 2.7 3.9 29.6 18.4 48.0 30.0 48.4 -8.9 517.0 365.7 233.1 132.6 40.9 33.0 7.9 192.2
Home ownership: Owner-occupied home 2021* 25,061 65,617 313,000 318,807 92,350 411,157 237,197 329,547 103,605 3,862,369 2,544,774 1,582,627 962,148 834,267 742,249 92,019 2,151,862 5.6 14.7 70.0 71.3 20.7 92.0 53.1 73.7 23.2 869.1 572.6 356.1 216.5 187.7 167.0 20.7 484.2 3.4 8.9 42.3 43.1 12.5 55.6 32.1 44.6 14.0 521.9 343.9 213.9 130.0 112.7 100.3 12.4 290.8
Home ownership: Rent with rent subsidy 2021* -19 3,795 13,176 33,361 29,028 62,389 39,035 68,063 -6,252 110,620 109,719 61,030 48,689 6,088 930 5,158 6,989 0.0 2.6 9.1 23.2 20.1 43.3 27.1 47.2 -4.3 77.2 76.6 42.6 34.0 4.3 0.6 3.6 4.9 0.0 2.1 7.1 18.1 15.7 33.8 21.2 36.9 -3.4 59.9 59.5 33.1 26.4 3.3 0.5 2.8 3.8
Home ownership: Rent: no rent subsidy 2021* -244 16,179 79,793 81,040 30,306 111,346 71,023 101,329 14,181 444,202 409,881 252,236 157,645 26,743 7,762 18,980 61,064 -0.1 7.8 38.5 39.1 14.6 53.7 34.3 48.9 6.8 215.6 198.9 122.4 76.5 13.0 3.8 9.2 29.6 -0.1 5.9 29.1 29.6 11.1 40.6 25.9 37.0 5.2 162.0 149.5 92.0 57.5 9.8 2.8 6.9 22.3
Home ownership: Other 2021* 57 1,057 2,588 6,234 6,882 13,116 7,675 14,557 -1,992 29,431 26,988 10,274 16,713 1,656 1,008 648 4,099 0.2 2.9 7.1 17.0 18.8 35.7 20.9 39.7 -5.4 80.7 74.0 28.2 45.8 4.5 2.8 1.8 11.2 0.1 2.7 6.6 15.8 17.4 33.2 19.4 36.9 -5.0 74.5 68.3 26.0 42.3 4.2 2.6 1.6 10.4
Net worth: 1st 20%-group 2021* -227 4,544 35,164 40,161 26,346 66,507 44,821 71,167 -1,804 12,209 52,069 14,217 37,852 50,883 32,204 18,679 11,023 -0.1 2.7 21.1 24.0 15.8 39.8 26.8 42.6 -1.1 7.4 31.4 8.6 22.8 30.6 19.4 11.3 6.6 -0.1 2.2 17.4 19.8 13.0 32.9 22.1 35.2 -0.9 6.0 25.7 7.0 18.7 25.1 15.9 9.2 5.4
Net worth: 2nd 20%-group 2021* 844 4,952 53,963 55,933 30,117 86,050 54,424 84,541 4,895 182,343 169,691 87,981 81,711 61,587 53,118 8,469 74,239 0.5 3.0 32.3 33.5 18.0 51.5 32.6 50.6 2.9 109.8 102.2 53.0 49.2 37.1 32.0 5.1 44.7 0.4 2.2 24.5 25.4 13.7 39.0 24.7 38.3 2.2 82.6 76.9 39.9 37.0 27.9 24.1 3.8 33.6
Net worth: 3rd 20%-group 2021* 4,859 11,375 89,278 83,648 31,696 115,344 70,648 102,344 20,320 524,502 359,906 231,963 127,943 195,887 182,490 13,397 360,483 2.9 6.8 53.4 50.1 19.0 69.1 42.3 61.3 12.2 315.9 216.8 139.7 77.1 118.0 109.9 8.1 217.1 1.9 4.4 34.9 32.7 12.4 45.1 27.6 40.0 7.9 204.8 140.6 90.6 50.0 76.5 71.3 5.2 140.8
Net worth: 4th 20%-group 2021* 8,468 20,098 103,728 105,025 35,403 140,428 83,865 119,268 28,639 1,043,781 636,254 437,744 198,510 247,548 228,406 19,142 655,075 5.1 12.0 62.1 62.9 21.2 84.1 50.2 71.4 17.1 628.6 383.2 263.6 119.6 149.1 137.6 11.5 394.5 3.1 7.3 37.7 38.2 12.9 51.1 30.5 43.4 10.4 379.6 231.4 159.2 72.2 90.0 83.1 7.0 238.2
Net worth: 5th 20%-group 2021* 10,911 45,679 126,424 154,675 35,004 189,679 101,172 136,176 57,492 2,683,787 1,873,442 1,134,262 739,179 312,849 255,731 57,118 1,123,194 6.5 27.3 75.7 92.6 21.0 113.6 60.6 81.5 34.4 1,616.4 1,128.3 683.1 445.2 188.4 154.0 34.4 676.5 3.8 16.1 44.5 54.5 12.3 66.8 35.6 48.0 20.2 944.8 659.5 399.3 260.2 110.1 90.0 20.1 395.4
Source: CBS.
Explanation of symbols

Dataset is not available.


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:
All data are provisional.

Changes as of October 19th 2023:
The figures of 2015-2020 are revised. Results for 2021 are added to the table.

When will new figures be published?
New figures will be released in October 2024.

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.