Wealth distribution of households; National Accounts
| Characteristics of households | Periods | Total amount Net worth (million euros) | Total amount Assets Total (million euros) | Total amount Assets Currency and deposits (million euros) | Total amount Assets Debt securities (million euros) | Total amount Assets Loans (million euros) | Total amount Assets Equity, investment fund shares or units (million euros) | Total amount Assets Insurance, pension and guarantee schemes (million euros) | Total amount Assets Fin. derivatives, employee stock options (million euros) | Total amount Assets Other accounts receivable/payable (million euros) | Total amount Liabilities Total (million euros) | Total amount Liabilities Loans (million euros) | Total amount Liabilities Fin. derivatives, employee stock options (million euros) | Total amount Liabilities Other liabilities (million euros) | Total amount Non-financial assets Total (million euros) | Total amount Non-financial assets Dwellings (million euros) | Total amount Non-financial assets Land underlying dwellings (million euros) | Total amount Non-financial assets Other non-financial assets (million euros) | Average amount Net worth (1,000 euro) | Average amount Assets Total (1,000 euro) | Average amount Assets Currency and deposits (1,000 euro) | Average amount Assets Debt securities (1,000 euro) | Average amount Assets Loans (1,000 euro) | Average amount Assets Equity, investment fund shares or units (1,000 euro) | Average amount Assets Insurance, pension and guarantee schemes (1,000 euro) | Average amount Assets Fin. derivatives, employee stock options (1,000 euro) | Average amount Assets Other accounts receivable/payable (1,000 euro) | Average amount Liabilities Total (1,000 euro) | Average amount Liabilities Loans (1,000 euro) | Average amount Liabilities Fin. derivatives, employee stock options (1,000 euro) | Average amount Liabilities Other liabilities (1,000 euro) | Average amount Non-financial assets Total (1,000 euro) | Average amount Non-financial assets Dwellings (1,000 euro) | Average amount Non-financial assets Land underlying dwellings (1,000 euro) | Average amount Non-financial assets Other non-financial assets (1,000 euro) | Standardised amount Net worth (1,000 euro) | Standardised amount Assets Total (1,000 euro) | Standardised amount Assets Currency and deposits (1,000 euro) | Standardised amount Assets Debt securities (1,000 euro) | Standardised amount Assets Loans (1,000 euro) | Standardised amount Assets Equity, investment fund shares or units (1,000 euro) | Standardised amount Assets Insurance, pension and guarantee schemes (1,000 euro) | Standardised amount Assets Fin. derivatives, employee stock options (1,000 euro) | Standardised amount Assets Other accounts receivable/payable (1,000 euro) | Standardised amount Liabilities Total (1,000 euro) | Standardised amount Liabilities Loans (1,000 euro) | Standardised amount Liabilities Fin. derivatives, employee stock options (1,000 euro) | Standardised amount Liabilities Other liabilities (1,000 euro) | Standardised amount Non-financial assets Total (1,000 euro) | Standardised amount Non-financial assets Dwellings (1,000 euro) | Standardised amount Non-financial assets Land underlying dwellings (1,000 euro) | Standardised amount Non-financial assets Other non-financial assets (1,000 euro) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total | 2021* | 4,446,622 | 3,091,362 | 493,791 | 3,694 | 10,881 | 417,125 | 2,109,954 | 402 | 55,515 | 868,754 | 833,045 | 32 | 35,677 | 2,224,014 | 854,247 | 1,106,429.0 | 263,338 | 535.6 | 372.4 | 59.5 | 0.4 | 1.3 | 50.2 | 254.2 | 0.0 | 6.7 | 104.6 | 100.3 | 0.0 | 4.3 | 267.9 | 102.9 | 133.3 | 31.7 | 359.1 | 249.6 | 39.9 | 0.3 | 0.9 | 33.7 | 170.4 | 0.0 | 4.5 | 70.2 | 67.3 | 0.0 | 2.9 | 179.6 | 69.0 | 89.4 | 21.3 |
| Disposable income: 1st 20%-group | 2021* | 306,822 | 264,770 | 49,767 | 677 | 1,850 | 40,915 | 169,148 | 12 | 2,401 | 31,525 | 30,161 | 6 | 1,358 | 73,577 | 31,097 | 40,277.0 | 2,203 | 184.8 | 159.5 | 30.0 | 0.4 | 1.1 | 24.6 | 101.9 | 0.0 | 1.4 | 19.0 | 18.2 | 0.0 | 0.8 | 44.3 | 18.7 | 24.3 | 1.3 | 147.9 | 127.6 | 24.0 | 0.3 | 0.9 | 19.7 | 81.5 | 0.0 | 1.2 | 15.2 | 14.5 | 0.0 | 0.7 | 35.5 | 15.0 | 19.4 | 1.1 |
| Disposable income: 2nd 20%-group | 2021* | 448,090 | 325,234 | 64,570 | 257 | 1,482 | 20,673 | 233,548 | 31 | 4,673 | 63,060 | 60,802 | 2 | 2,256 | 185,916 | 77,518 | 100,402.0 | 7,996 | 269.9 | 195.9 | 38.9 | 0.2 | 0.9 | 12.5 | 140.7 | 0.0 | 2.8 | 38.0 | 36.6 | 0.0 | 1.4 | 112.0 | 46.7 | 60.5 | 4.8 | 193.3 | 140.3 | 27.9 | 0.1 | 0.6 | 8.9 | 100.8 | 0.0 | 2.0 | 27.2 | 26.2 | 0.0 | 1.0 | 80.2 | 33.4 | 43.3 | 3.4 |
| Disposable income: 3rd 20%-group | 2021* | 774,003 | 522,619 | 88,752 | 375 | 1,990 | 31,844 | 391,733 | 70 | 7,855 | 148,198 | 143,847 | 3 | 4,348 | 399,582 | 166,438 | 215,572.0 | 17,572 | 466.2 | 314.8 | 53.5 | 0.2 | 1.2 | 19.2 | 235.9 | 0.0 | 4.7 | 89.3 | 86.6 | 0.0 | 2.6 | 240.7 | 100.2 | 129.8 | 10.6 | 299.9 | 202.5 | 34.4 | 0.1 | 0.8 | 12.3 | 151.8 | 0.0 | 3.0 | 57.4 | 55.7 | 0.0 | 1.7 | 154.8 | 64.5 | 83.5 | 6.8 |
| Disposable income: 4th 20%-group | 2021* | 1,070,310 | 727,507 | 111,812 | 537 | 2,286 | 52,598 | 548,218 | 111 | 11,945 | 232,550 | 225,263 | 5 | 7,282 | 575,353 | 234,718 | 304,010.0 | 36,625 | 644.6 | 438.2 | 67.3 | 0.3 | 1.4 | 31.7 | 330.2 | 0.1 | 7.2 | 140.1 | 135.7 | 0.0 | 4.4 | 346.5 | 141.4 | 183.1 | 22.1 | 396.1 | 269.3 | 41.4 | 0.2 | 0.8 | 19.5 | 202.9 | 0.0 | 4.4 | 86.1 | 83.4 | 0.0 | 2.7 | 212.9 | 86.9 | 112.5 | 13.6 |
| Disposable income: 5th 20%-group | 2021* | 1,847,397 | 1,251,232 | 178,890 | 1,848 | 3,273 | 271,095 | 767,307 | 178 | 28,641 | 393,421 | 372,972 | 16 | 20,433 | 989,586 | 344,476 | 446,168.0 | 198,942 | 1,112.6 | 753.6 | 107.7 | 1.1 | 2.0 | 163.3 | 462.1 | 0.1 | 17.2 | 236.9 | 224.6 | 0.0 | 12.3 | 596.0 | 207.5 | 268.7 | 119.8 | 682.3 | 462.1 | 66.1 | 0.7 | 1.2 | 100.1 | 283.4 | 0.1 | 10.6 | 145.3 | 137.8 | 0.0 | 7.5 | 365.5 | 127.2 | 164.8 | 73.5 |
| Type: Single man | 2021* | 438,408 | 309,053 | 51,888 | 463 | 1,038 | 42,569 | 207,292 | 41 | 5,762 | 80,780 | 77,099 | 4 | 3,677 | 210,135 | 80,162 | 103,826.0 | 26,147 | 294.0 | 207.3 | 34.8 | 0.3 | 0.7 | 28.5 | 139.0 | 0.0 | 3.9 | 54.2 | 51.7 | 0.0 | 2.5 | 140.9 | 53.8 | 69.6 | 17.5 | 294.0 | 207.3 | 34.8 | 0.3 | 0.7 | 28.5 | 139.0 | 0.0 | 3.9 | 54.2 | 51.7 | 0.0 | 2.5 | 140.9 | 53.8 | 69.6 | 17.5 |
| Type: Single woman | 2021* | 469,321 | 339,109 | 64,776 | 509 | 1,358 | 30,760 | 237,604 | 25 | 4,077 | 55,016 | 52,805 | 4 | 2,207 | 185,228 | 76,426 | 98,987.0 | 9,815 | 299.8 | 216.7 | 41.4 | 0.3 | 0.9 | 19.7 | 151.8 | 0.0 | 2.6 | 35.2 | 33.7 | 0.0 | 1.4 | 118.3 | 48.8 | 63.2 | 6.3 | 299.8 | 216.7 | 41.4 | 0.3 | 0.9 | 19.7 | 151.8 | 0.0 | 2.6 | 35.2 | 33.7 | 0.0 | 1.4 | 118.3 | 48.8 | 63.2 | 6.3 |
| Type: One-parent family | 2021* | 183,371 | 129,352 | 21,054 | 100 | 542 | 12,567 | 92,063 | 22 | 3,004 | 43,807 | 42,030 | 1 | 1,776 | 97,826 | 37,294 | 48,303.0 | 12,229 | 326.7 | 230.4 | 37.5 | 0.2 | 1.0 | 22.4 | 164.0 | 0.0 | 5.4 | 78.0 | 74.9 | 0.0 | 3.2 | 174.3 | 66.4 | 86.1 | 21.8 | 200.0 | 141.1 | 23.0 | 0.1 | 0.6 | 13.7 | 100.4 | 0.0 | 3.3 | 47.8 | 45.8 | 0.0 | 1.9 | 106.7 | 40.7 | 52.7 | 13.3 |
| Type: Couple, with child(ren) | 2021* | 1,430,072 | 936,187 | 152,052 | 890 | 3,277 | 153,931 | 601,269 | 197 | 24,571 | 415,598 | 399,012 | 8 | 16,578 | 909,483 | 336,172 | 435,416.0 | 137,895 | 737.1 | 482.6 | 78.4 | 0.5 | 1.7 | 79.3 | 309.9 | 0.1 | 12.7 | 214.2 | 205.7 | 0.0 | 8.5 | 468.8 | 173.3 | 224.4 | 71.1 | 331.5 | 217.0 | 35.3 | 0.2 | 0.8 | 35.7 | 139.4 | 0.0 | 5.7 | 96.4 | 92.5 | 0.0 | 3.8 | 210.9 | 77.9 | 100.9 | 32.0 |
| Type: Couple, no children | 2021* | 1,795,924 | 1,280,727 | 181,722 | 1,610 | 4,304 | 165,061 | 912,101 | 105 | 15,824 | 247,235 | 237,180 | 14 | 10,041 | 762,432 | 303,466 | 393,052.0 | 65,914 | 805.5 | 574.4 | 81.5 | 0.7 | 1.9 | 74.0 | 409.1 | 0.0 | 7.1 | 110.9 | 106.4 | 0.0 | 4.5 | 342.0 | 136.1 | 176.3 | 29.6 | 535.7 | 382.0 | 54.2 | 0.5 | 1.3 | 49.2 | 272.1 | 0.0 | 4.7 | 73.7 | 70.8 | 0.0 | 3.0 | 227.4 | 90.5 | 117.2 | 19.7 |
| Other types of households | 2021* | 129,526 | 96,934 | 22,299 | 122 | 362 | 12,237 | 59,625 | 12 | 2,277 | 26,318 | 24,919 | 1 | 1,398 | 58,910 | 20,727 | 26,845.0 | 11,338 | 251.6 | 188.3 | 43.3 | 0.2 | 0.7 | 23.8 | 115.8 | 0.0 | 4.4 | 51.1 | 48.4 | 0.0 | 2.7 | 114.4 | 40.3 | 52.2 | 22.0 | 174.1 | 130.3 | 30.0 | 0.2 | 0.5 | 16.4 | 80.2 | 0.0 | 3.1 | 35.4 | 33.5 | 0.0 | 1.9 | 79.2 | 27.9 | 36.1 | 15.2 |
| Source of income: mixed income | 2021* | 786,063 | 444,429 | 73,969 | 1,392 | 1,520 | 158,983 | 190,462 | 21 | 18,082 | 147,902 | 133,449 | 12 | 14,441 | 489,536 | 120,710 | 156,345.0 | 212,481 | 952.4 | 538.5 | 89.6 | 1.7 | 1.8 | 192.6 | 230.8 | 0.0 | 21.9 | 179.2 | 161.7 | 0.0 | 17.5 | 593.1 | 146.2 | 189.4 | 257.4 | 587.7 | 332.3 | 55.3 | 1.0 | 1.1 | 118.9 | 142.4 | 0.0 | 13.5 | 110.6 | 99.8 | 0.0 | 10.8 | 366.0 | 90.2 | 116.9 | 158.9 |
| Source of income: compensation of employ | 2021* | 2,192,771 | 1,600,964 | 244,915 | 1,167 | 4,904 | 185,325 | 1,134,774 | 369 | 29,510 | 603,761 | 586,136 | 10 | 17,615 | 1,195,568 | 501,855 | 650,007.0 | 43,706 | 519.9 | 379.6 | 58.1 | 0.3 | 1.2 | 43.9 | 269.0 | 0.1 | 7.0 | 143.1 | 139.0 | 0.0 | 4.2 | 283.5 | 119.0 | 154.1 | 10.4 | 315.5 | 230.4 | 35.2 | 0.2 | 0.7 | 26.7 | 163.3 | 0.1 | 4.2 | 86.9 | 84.3 | 0.0 | 2.5 | 172.0 | 72.2 | 93.5 | 6.3 |
| Source of income: old age benefits | 2021* | 1,309,368 | 919,545 | 156,690 | 1,074 | 4,024 | 68,459 | 683,445 | 7 | 5,846 | 93,831 | 91,176 | 9 | 2,646 | 483,654 | 208,334 | 269,836.0 | 5,484 | 610.3 | 428.6 | 73.0 | 0.5 | 1.9 | 31.9 | 318.6 | 0.0 | 2.7 | 43.7 | 42.5 | 0.0 | 1.2 | 225.4 | 97.1 | 125.8 | 2.6 | 491.6 | 345.3 | 58.8 | 0.4 | 1.5 | 25.7 | 256.6 | 0.0 | 2.2 | 35.2 | 34.2 | 0.0 | 1.0 | 181.6 | 78.2 | 101.3 | 2.1 |
| Source of income: other | 2021* | 158,420 | 126,424 | 18,217 | 61 | 433 | 4,358 | 101,273 | 5 | 2,077 | 23,260 | 22,284 | 1 | 975 | 55,256 | 23,348 | 30,241.0 | 1,667 | 142.3 | 113.5 | 16.4 | 0.1 | 0.4 | 3.9 | 91.0 | 0.0 | 1.9 | 20.9 | 20.0 | 0.0 | 0.9 | 49.6 | 21.0 | 27.2 | 1.5 | 110.6 | 88.3 | 12.7 | 0.0 | 0.3 | 3.0 | 70.7 | 0.0 | 1.4 | 16.2 | 15.6 | 0.0 | 0.7 | 38.6 | 16.3 | 21.1 | 1.2 |
| Main earner: to 35 years | 2021* | 208,567 | 117,888 | 38,767 | 115 | 252 | 13,388 | 56,721 | 79 | 8,566 | 126,499 | 121,204 | 1 | 5,294 | 217,178 | 77,947 | 100,958.0 | 38,273 | 120.4 | 68.1 | 22.4 | 0.1 | 0.1 | 7.7 | 32.8 | 0.0 | 4.9 | 73.0 | 70.0 | 0.0 | 3.1 | 125.4 | 45.0 | 58.3 | 22.1 | 90.8 | 51.3 | 16.9 | 0.0 | 0.1 | 5.8 | 24.7 | 0.0 | 3.7 | 55.1 | 52.8 | 0.0 | 2.3 | 94.6 | 33.9 | 44.0 | 16.7 |
| Main earner: 35 to 50 years | 2021* | 855,023 | 541,150 | 98,796 | 427 | 2,066 | 79,357 | 342,559 | 143 | 17,802 | 323,728 | 311,789 | 4 | 11,935 | 637,601 | 234,775 | 304,083.0 | 98,743 | 438.8 | 277.7 | 50.7 | 0.2 | 1.1 | 40.7 | 175.8 | 0.1 | 9.1 | 166.1 | 160.0 | 0.0 | 6.1 | 327.2 | 120.5 | 156.1 | 50.7 | 249.9 | 158.2 | 28.9 | 0.1 | 0.6 | 23.2 | 100.1 | 0.0 | 5.2 | 94.6 | 91.1 | 0.0 | 3.5 | 186.4 | 68.6 | 88.9 | 28.9 |
| Main earner: 50 to 65 years | 2021* | 1,845,183 | 1,344,581 | 172,997 | 1,274 | 4,085 | 178,088 | 966,917 | 162 | 21,058 | 296,957 | 282,673 | 11 | 14,273 | 797,559 | 301,702 | 390,767.0 | 105,090 | 808.9 | 589.4 | 75.8 | 0.6 | 1.8 | 78.1 | 423.9 | 0.1 | 9.2 | 130.2 | 123.9 | 0.0 | 6.3 | 349.6 | 132.3 | 171.3 | 46.1 | 500.0 | 364.3 | 46.9 | 0.3 | 1.1 | 48.3 | 262.0 | 0.0 | 5.7 | 80.5 | 76.6 | 0.0 | 3.9 | 216.1 | 81.7 | 105.9 | 28.5 |
| Main earner: 65 years or older | 2021* | 1,537,849 | 1,087,743 | 183,231 | 1,878 | 4,478 | 146,292 | 743,757 | 18 | 8,089 | 121,570 | 117,379 | 16 | 4,175 | 571,676 | 239,823 | 310,621.0 | 21,232 | 657.1 | 464.8 | 78.3 | 0.8 | 1.9 | 62.5 | 317.8 | 0.0 | 3.5 | 51.9 | 50.2 | 0.0 | 1.8 | 244.3 | 102.5 | 132.7 | 9.1 | 517.0 | 365.7 | 61.6 | 0.6 | 1.5 | 49.2 | 250.0 | 0.0 | 2.7 | 40.9 | 39.5 | 0.0 | 1.4 | 192.2 | 80.6 | 104.4 | 7.1 |
| Home ownership: Owner-occupied home | 2021* | 3,862,369 | 2,544,774 | 397,108 | 3,326 | 9,404 | 385,174 | 1,707,861 | 311 | 41,590 | 834,267 | 806,573 | 29 | 27,665 | 2,151,862 | 846,656 | 1,096,597.0 | 208,609 | 869.1 | 572.6 | 89.4 | 0.7 | 2.1 | 86.7 | 384.3 | 0.1 | 9.4 | 187.7 | 181.5 | 0.0 | 6.2 | 484.2 | 190.5 | 246.7 | 46.9 | 521.9 | 343.9 | 53.7 | 0.4 | 1.3 | 52.1 | 230.8 | 0.0 | 5.6 | 112.7 | 109.0 | 0.0 | 3.7 | 290.8 | 114.4 | 148.2 | 28.2 |
| Home ownership: Rent with rent subsidy | 2021* | 110,620 | 109,719 | 12,666 | 6 | 115 | 507 | 93,367 | 13 | 3,045 | 6,088 | 4,724 | 0 | 1,364 | 6,989 | 60 | 78.0 | 6,851 | 77.2 | 76.6 | 8.8 | 0.0 | 0.1 | 0.4 | 65.2 | 0.0 | 2.1 | 4.3 | 3.3 | 0.0 | 1.0 | 4.9 | 0.0 | 0.1 | 4.8 | 59.9 | 59.5 | 6.9 | 0.0 | 0.1 | 0.3 | 50.6 | 0.0 | 1.6 | 3.3 | 2.6 | 0.0 | 0.7 | 3.8 | 0.0 | 0.0 | 3.7 |
| Home ownership: Rent: no rent subsidy | 2021* | 444,202 | 409,881 | 74,664 | 313 | 1,209 | 28,811 | 294,428 | 77 | 10,379 | 26,743 | 20,320 | 3 | 6,420 | 61,064 | 5,945 | 7,700.0 | 47,419 | 215.6 | 198.9 | 36.2 | 0.2 | 0.6 | 14.0 | 142.9 | 0.0 | 5.0 | 13.0 | 9.9 | 0.0 | 3.1 | 29.6 | 2.9 | 3.7 | 23.0 | 162.0 | 149.5 | 27.2 | 0.1 | 0.4 | 10.5 | 107.4 | 0.0 | 3.8 | 9.8 | 7.4 | 0.0 | 2.3 | 22.3 | 2.2 | 2.8 | 17.3 |
| Home ownership: Other | 2021* | 29,431 | 26,988 | 9,353 | 49 | 153 | 2,633 | 14,298 | 1 | 501 | 1,656 | 1,428 | 0 | 228 | 4,099 | 1,586 | 2,054.0 | 459 | 80.7 | 74.0 | 25.6 | 0.1 | 0.4 | 7.2 | 39.2 | 0.0 | 1.4 | 4.5 | 3.9 | 0.0 | 0.6 | 11.2 | 4.3 | 5.6 | 1.3 | 74.5 | 68.3 | 23.7 | 0.1 | 0.4 | 6.7 | 36.2 | 0.0 | 1.3 | 4.2 | 3.6 | 0.0 | 0.6 | 10.4 | 4.0 | 5.2 | 1.2 |
| Source: CBS. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Table explanation
This table describes the wealth distribution 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, because national accounts figures are changed due to the revision policy of Statistics Netherlands. 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
- Net worth
- Net worth equals the financial assets minus the liabilities plus the non-financial assets. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these non-profit institutions serving households are no longer included for assets and liabilities, but still included in non-financial assets.
- Assets
- Assets are possessions of households. 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.
- Total
- Currency and deposits
- Currency is notes and coins that are issued or authorised by monetary authorities. Deposits are standardised, non-negotiable contracts with the public at large, offered by deposit-taking corporations and, in some cases, by central government as debtors, and allowing the placement and the later withdrawal of the principal amount by the creditor. Deposits usually involve the debtor giving back the full principal amount to the investor.
- Debt securities
- Debt securities are negotiable financial instruments serving as evidence of debt.
- Loans
- Loans are created when creditors lend funds to debtors.
- Equity and investment fund shares or units are claims, which are -fully, or partly- entitled to a share in profits or in the own funds in case of liquidation. Included is the value of capital formation by the government in public enterprises (quasi-corporations) that belong to the government.
Equity and investment fund shares or units are residual claims on the assets of the Equity and investment fund shares or units include:
- listed shares
- unlisted shares - other equity
- investment fund shares or units
- Insurance, pension and guarantee schemes
- Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
- Fin. derivatives, employee stock options
- Financial derivatives are financial instruments linked to a specified financial instrument or indicator or commodity, through which specific financial risks can be traded in financial markets in their own right. Financial derivatives meet the following conditions:
- they are linked to a financial or non-financial asset, to a group of assets, or to an index;
- they are either negotiable or can be offset on the market; and
- no principal amount is advanced to be repaid.
The financial derivatives include options and forwards (warrants, futures, swaps and forward rate agreements). Forwards are recorded net on the assets side of the balance sheets, financial transactions and other changes, meaning that no liabilities are presented but only net assets. The outstanding positions can therefore have a negative value.
Employee stock options are agreements made on a given date under which an employee has the right to purchase a given number of shares of the employer's stock at a stated price either at a stated time or within a period of time immediately following the vesting date.
- Other accounts receivable/payable
- The transactions in the sector accounts are mainly recorded at a moment that does not coincide with the moment the transaction is completed. These time differences cause changes in assets and liabilities, which are recorded in the transaction 'other accounts receivable and payable'.
For example, sales are recorded at the moment of delivery. At that moment, a claim of the supplier on the buyer (supplier's credit) arises, which is nullified when the buyer pays. Other examples are payments in advance on deliveries (buyer's credit) and due payments or receipts of wages and salaries, interests, contributions etc.
Financial transactions in other accounts receivable/payable comprise:
- Trade credits and advances; and
- Other accounts receivable/payable, excluding trade credits and advances.
- Liabilities
- Liabilities are debts of households. 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.
- Total
- Loans
- Loans are created when creditors lend funds to debtors.
- Fin. derivatives, employee stock options
- Financial derivatives are financial instruments linked to a specified financial instrument or indicator or commodity, through which specific financial risks can be traded in financial markets in their own right. Financial derivatives meet the following conditions:
- they are linked to a financial or non-financial asset, to a group of assets, or to an index;
- they are either negotiable or can be offset on the market; and
- no principal amount is advanced to be repaid.
The financial derivatives include options and forwards (warrants, futures, swaps and forward rate agreements). Forwards are recorded net on the assets side of the balance sheets, financial transactions and other changes, meaning that no liabilities are presented but only net assets. The outstanding positions can therefore have a negative value.
Employee stock options are agreements made on a given date under which an employee has the right to purchase a given number of shares of the employer's stock at a stated price either at a stated time or within a period of time immediately following the vesting date.
- Other liabilities
- Other liabilities are all debts excluding loans, financial derivatives and employee stock options. Up to and including 2010, these data relate to households including non-profit institutions serving households. From 2011 onwards, these non-profit institutions serving households are no longer included.
- 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 and gas reserves and consumer durables.
The data relate to households including non-profit institutions serving households.- Total
- Dwellings
- Buildings used entirely or primarily as residences, including any associated structures, such as garages and all permanent fixtures customarily installed in residences. Houseboats, barges, mobile homes and caravans used as principal residences of households are also included, so are public monuments identified primarily as dwellings. Costs of site clearance and preparation are also included. Examples include residential buildings, such as one and two-dwelling buildings and other residential buildings intended for non-transient occupancy. Uncompleted dwellings are included to the extent that the ultimate user is deemed to have taken ownership, either because the construction is on own account or as evidenced by the existence of a contract of sale/purchase. Dwellings acquired for military personnel are included because they are used, so are dwellings acquired by civilian units for the production of housing services. The value of land underlying dwellings is included and costs of ownership transfers on land underlying dwellings is included.
The data relate to households including non-profit institutions serving households.
- Land underlying dwellings
- Land underlying buildings that are used entirely or primarily as residences, including any associated structures, such as garages and all permanent fixtures customarily installed in residences. The value of the land underlying dwellings is defined as the difference between the value of the total real estate (land and buildings) and the value of the structures.
The data relate to households including non-profit institutions serving households.
- Other non-financial assets
- Other non-financial assets are the total of non-financial assets excluding dwellings, land underlying dwellings and costs of ownership transfers on land underlying dwellings.
The data relate to households including non-profit institutions serving households.
- Average amount
- Amount per household.
- Net worth
- Net worth equals the financial assets minus the liabilities plus the non-financial assets. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these non-profit institutions serving households are no longer included for assets and liabilities, but still included in non-financial assets.
- Assets
- Assets are possessions of households. 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.
- Total
- Currency and deposits
- Currency is notes and coins that are issued or authorised by monetary authorities. Deposits are standardised, non-negotiable contracts with the public at large, offered by deposit-taking corporations and, in some cases, by central government as debtors, and allowing the placement and the later withdrawal of the principal amount by the creditor. Deposits usually involve the debtor giving back the full principal amount to the investor.
- Debt securities
- Debt securities are negotiable financial instruments serving as evidence of debt.
- Loans
- Loans are created when creditors lend funds to debtors.
- Equity and investment fund shares or units are claims, which are -fully, or partly- entitled to a share in profits or in the own funds in case of liquidation. Included is the value of capital formation by the government in public enterprises (quasi-corporations) that belong to the government.
Equity and investment fund shares or units are residual claims on the assets of the Equity and investment fund shares or units include:
- listed shares
- unlisted shares - other equity
- investment fund shares or units
- Insurance, pension and guarantee schemes
- Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
- Fin. derivatives, employee stock options
- Financial derivatives are financial instruments linked to a specified financial instrument or indicator or commodity, through which specific financial risks can be traded in financial markets in their own right. Financial derivatives meet the following conditions:
- they are linked to a financial or non-financial asset, to a group of assets, or to an index;
- they are either negotiable or can be offset on the market; and
- no principal amount is advanced to be repaid.
The financial derivatives include options and forwards (warrants, futures, swaps and forward rate agreements). Forwards are recorded net on the assets side of the balance sheets, financial transactions and other changes, meaning that no liabilities are presented but only net assets. The outstanding positions can therefore have a negative value.
Employee stock options are agreements made on a given date under which an employee has the right to purchase a given number of shares of the employer's stock at a stated price either at a stated time or within a period of time immediately following the vesting date.
- Other accounts receivable/payable
- The transactions in the sector accounts are mainly recorded at a moment that does not coincide with the moment the transaction is completed. These time differences cause changes in assets and liabilities, which are recorded in the transaction 'other accounts receivable and payable'.
For example, sales are recorded at the moment of delivery. At that moment, a claim of the supplier on the buyer (supplier's credit) arises, which is nullified when the buyer pays. Other examples are payments in advance on deliveries (buyer's credit) and due payments or receipts of wages and salaries, interests, contributions etc.
Financial transactions in other accounts receivable/payable comprise:
- Trade credits and advances; and
- Other accounts receivable/payable, excluding trade credits and advances.
- Liabilities
- Liabilities are debts of households. 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.
- Total
- Loans
- Loans are created when creditors lend funds to debtors.
- Fin. derivatives, employee stock options
- Financial derivatives are financial instruments linked to a specified financial instrument or indicator or commodity, through which specific financial risks can be traded in financial markets in their own right. Financial derivatives meet the following conditions:
- they are linked to a financial or non-financial asset, to a group of assets, or to an index;
- they are either negotiable or can be offset on the market; and
- no principal amount is advanced to be repaid.
The financial derivatives include options and forwards (warrants, futures, swaps and forward rate agreements). Forwards are recorded net on the assets side of the balance sheets, financial transactions and other changes, meaning that no liabilities are presented but only net assets. The outstanding positions can therefore have a negative value.
Employee stock options are agreements made on a given date under which an employee has the right to purchase a given number of shares of the employer's stock at a stated price either at a stated time or within a period of time immediately following the vesting date.
- Other liabilities
- Other liabilities are all debts excluding loans, financial derivatives and employee stock options. Up to and including 2010, these data relate to households including non-profit institutions serving households. From 2011 onwards, these non-profit institutions serving households are no longer included.
- 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 and gas reserves and consumer durables.
The data relate to households including non-profit institutions serving households.- Total
- Dwellings
- Buildings used entirely or primarily as residences, including any associated structures, such as garages and all permanent fixtures customarily installed in residences. Houseboats, barges, mobile homes and caravans used as principal residences of households are also included, so are public monuments identified primarily as dwellings. Costs of site clearance and preparation are also included. Examples include residential buildings, such as one and two-dwelling buildings and other residential buildings intended for non-transient occupancy. Uncompleted dwellings are included to the extent that the ultimate user is deemed to have taken ownership, either because the construction is on own account or as evidenced by the existence of a contract of sale/purchase. Dwellings acquired for military personnel are included because they are used, so are dwellings acquired by civilian units for the production of housing services. The value of land underlying dwellings is included and costs of ownership transfers on land underlying dwellings is included.
The data relate to households including non-profit institutions serving households.
- Land underlying dwellings
- Land underlying buildings that are used entirely or primarily as residences, including any associated structures, such as garages and all permanent fixtures customarily installed in residences. The value of the land underlying dwellings is defined as the difference between the value of the total real estate (land and buildings) and the value of the structures.
The data relate to households including non-profit institutions serving households.
- Other non-financial assets
- Other non-financial assets are the total of non-financial assets excluding dwellings, land underlying dwellings and costs of ownership transfers on land underlying dwellings.
The data relate to households including non-profit institutions serving households.
- Standardised amount
- Amount per household converted to a single-person household.
- Net worth
- Net worth equals the financial assets minus the liabilities plus the non-financial assets. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these non-profit institutions serving households are no longer included for assets and liabilities, but still included in non-financial assets.
- Assets
- Assets are possessions of households. 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.
- Total
- Currency and deposits
- Currency is notes and coins that are issued or authorised by monetary authorities. Deposits are standardised, non-negotiable contracts with the public at large, offered by deposit-taking corporations and, in some cases, by central government as debtors, and allowing the placement and the later withdrawal of the principal amount by the creditor. Deposits usually involve the debtor giving back the full principal amount to the investor.
- Debt securities
- Debt securities are negotiable financial instruments serving as evidence of debt.
- Loans
- Loans are created when creditors lend funds to debtors.
- Equity and investment fund shares or units are claims, which are -fully, or partly- entitled to a share in profits or in the own funds in case of liquidation. Included is the value of capital formation by the government in public enterprises (quasi-corporations) that belong to the government.
Equity and investment fund shares or units are residual claims on the assets of the Equity and investment fund shares or units include:
- listed shares
- unlisted shares - other equity
- investment fund shares or units
- Insurance, pension and guarantee schemes
- Insurance, pension and standardised guarantee schemes are divided into six subcategories:
- non-life insurance technical reserves
- life insurance and annuity entitlements
- pension entitlements
- claims of pension funds on pension managers
- entitlements to non-pension benefits
- provisions for calls under standardised guarantees
- Fin. derivatives, employee stock options
- Financial derivatives are financial instruments linked to a specified financial instrument or indicator or commodity, through which specific financial risks can be traded in financial markets in their own right. Financial derivatives meet the following conditions:
- they are linked to a financial or non-financial asset, to a group of assets, or to an index;
- they are either negotiable or can be offset on the market; and
- no principal amount is advanced to be repaid.
The financial derivatives include options and forwards (warrants, futures, swaps and forward rate agreements). Forwards are recorded net on the assets side of the balance sheets, financial transactions and other changes, meaning that no liabilities are presented but only net assets. The outstanding positions can therefore have a negative value.
Employee stock options are agreements made on a given date under which an employee has the right to purchase a given number of shares of the employer's stock at a stated price either at a stated time or within a period of time immediately following the vesting date.
- Other accounts receivable/payable
- The transactions in the sector accounts are mainly recorded at a moment that does not coincide with the moment the transaction is completed. These time differences cause changes in assets and liabilities, which are recorded in the transaction 'other accounts receivable and payable'.
For example, sales are recorded at the moment of delivery. At that moment, a claim of the supplier on the buyer (supplier's credit) arises, which is nullified when the buyer pays. Other examples are payments in advance on deliveries (buyer's credit) and due payments or receipts of wages and salaries, interests, contributions etc.
Financial transactions in other accounts receivable/payable comprise:
- Trade credits and advances; and
- Other accounts receivable/payable, excluding trade credits and advances.
- Liabilities
- Liabilities are debts of households. 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.
- Total
- Loans
- Loans are created when creditors lend funds to debtors.
- Fin. derivatives, employee stock options
- Financial derivatives are financial instruments linked to a specified financial instrument or indicator or commodity, through which specific financial risks can be traded in financial markets in their own right. Financial derivatives meet the following conditions:
- they are linked to a financial or non-financial asset, to a group of assets, or to an index;
- they are either negotiable or can be offset on the market; and
- no principal amount is advanced to be repaid.
The financial derivatives include options and forwards (warrants, futures, swaps and forward rate agreements). Forwards are recorded net on the assets side of the balance sheets, financial transactions and other changes, meaning that no liabilities are presented but only net assets. The outstanding positions can therefore have a negative value.
Employee stock options are agreements made on a given date under which an employee has the right to purchase a given number of shares of the employer's stock at a stated price either at a stated time or within a period of time immediately following the vesting date.
- Other liabilities
- Other liabilities are all debts excluding loans, financial derivatives and employee stock options. Up to and including 2010, these data relate to households including non-profit institutions serving households. From 2011 onwards, these non-profit institutions serving households are no longer included.
- 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 and gas reserves and consumer durables.
The data relate to households including non-profit institutions serving households.- Total
- Dwellings
- Buildings used entirely or primarily as residences, including any associated structures, such as garages and all permanent fixtures customarily installed in residences. Houseboats, barges, mobile homes and caravans used as principal residences of households are also included, so are public monuments identified primarily as dwellings. Costs of site clearance and preparation are also included. Examples include residential buildings, such as one and two-dwelling buildings and other residential buildings intended for non-transient occupancy. Uncompleted dwellings are included to the extent that the ultimate user is deemed to have taken ownership, either because the construction is on own account or as evidenced by the existence of a contract of sale/purchase. Dwellings acquired for military personnel are included because they are used, so are dwellings acquired by civilian units for the production of housing services. The value of land underlying dwellings is included.
The data relate to households including non-profit institutions serving households.
- Land underlying dwellings
- Land underlying buildings that are used entirely or primarily as residences, including any associated structures, such as garages and all permanent fixtures customarily installed in residences. The value of the land underlying dwellings is defined as the difference between the value of the total real estate (land and buildings) and the value of the structures.
The data relate to households including non-profit institutions serving households.
- Other non-financial assets
- Other non-financial assets are the total of non-financial assets excluding dwellings, land underlying dwellings and costs of ownership transfers.
The data relate to households including non-profit institutions serving households.