Pronounced debt restructuring plans; way of ending, region 1999-2017

Pronounced debt restructuring plans; way of ending, region 1999-2017

Regions Periods Debt restructuring; type of debtor Natural persons total (number) Debt restructuring; type of debtor Natural persons with business (number) Debt restructuring; type of debtor Natural persons without business (number) Debt restructuring; type of ending Total pronounced debt restructurings (number) Debt restructuring; type of ending Ended up to and including December 2017 Total ended (number) Debt restructuring; type of ending Ended up to and including December 2017 Ending by clean slate (number) Debt restructuring; type of ending Ended up to and including December 2017 Ending by agreement (number) Debt restructuring; type of ending Ended up to and including December 2017 Ending by bankruptcy (number) Debt restructuring; type of ending Ended up to and including December 2017 Other endings (number) Debt restructuring; type of ending Ended up to and including December 2017 Not ended yet (number)
Total Netherlands 2017 8,357 1,402 6,955 8,357 71 0 10 5 56 8,286
North of the Netherlands (LD) 2017 1,351 234 1,117 1,351 12 0 3 1 8 1,339
East of the Netherlands (LD) 2017 2,075 355 1,720 2,075 19 0 1 2 16 2,056
West of the Netherlands (LD) 2017 3,336 581 2,755 3,336 24 0 2 1 21 3,312
South of the Netherlands (LD) 2017 1,444 219 1,225 1,444 15 0 3 1 11 1,429
Groningen (PV) 2017 589 75 514 589 4 0 0 1 3 585
Friesland (PV) 2017 380 87 293 380 8 0 3 0 5 372
Drenthe (PV) 2017 382 72 310 382 0 0 0 0 0 382
Overijssel (PV) 2017 823 128 695 823 11 0 0 2 9 812
Flevoland (PV) 2017 291 58 233 291 2 0 0 0 2 289
Gelderland (PV) 2017 961 169 792 961 6 0 1 0 5 955
Utrecht (PV) 2017 382 81 301 382 2 0 0 0 2 380
Noord-Holland (PV) 2017 1,269 254 1,015 1,269 12 0 1 0 11 1,257
Zuid-Holland (PV) 2017 1,563 231 1,332 1,563 6 0 1 1 4 1,557
Zeeland (PV) 2017 122 15 107 122 4 0 0 0 4 118
Noord-Brabant (PV) 2017 742 91 651 742 11 0 3 1 7 731
Limburg (PV) 2017 702 128 574 702 4 0 0 0 4 698
Unknown/abroad 2017 151 13 138 151 1 0 1 0 0 150
Source: CBS
Explanation of symbols

Table explanation


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

Data available from: 1999 untill 2017.

Status of the figures:
The figures are final.

Changes as of 26 February 2021:
None, this table is discontinued.

When will new figures be published?
Not applicable anymore.

This table is followed by the table "Personen met uitgesproken schuldsanering; jaar uitspraak; persoonskenmerken" and the table "Personen met uitgesproken schuldsanering; jaar uitspraak; regio". See paragraph 3.”

Description topics

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