Xtroverso Knowledge: Dutch Tax & Compliance Insights

From Likes to Lawsuits: Why Clients’ Photos Demand Consent

by Paolo Maria Pavan

Aug 29, 2025 ASK PAOLO

Q: Can I just post a picture of my happy customers on Instagram without asking them? " Not really. In the Netherlands, the law says a person owns their own photo. On top of that, GDPR treats it as per...

AUDIO DIGITAL ES IT LEGAL NL

by Paolo Maria Pavan

Aug 27, 2025 ASK PAOLO

Q: If I hire a photographer for my company, do I really need to worry about GDPR? " Yes. If people can be recognized in the photos, it’s personal data. That means you need a clear contract (with GDPR ...

AUDIO DIGITAL ES IT LEGAL NL

by Paolo Maria Pavan

Aug 25, 2025 ASK PAOLO

Q: If I just give a free product to an influencer and they post about it, is that really considered advertising? "Yes. Even if you don’t pay them money, a free product is seen as a benefit. That means...

AUDIO DIGITAL ES IT LEGAL NL

by Paolo Maria Pavan

Aug 22, 2025 PAOLO MARIA PAVAN

Q: Are we back in a housing bubble like before? "Not exactly. Prices are rising again, up 8.6% in July compared to last year, but this isn’t the wild 20% jumps we saw in 2021–2022. Back then it was fr...

AUDIO DUTCH ECONOMY ES IT NL Paolo Maria Pavan REAL ESTATE

by Paolo Maria Pavan

Aug 22, 2025 ASK PAOLO

Q: “Okay, but do these clauses really stop a fight from going to court?” "Not completely. They don’t block anyone from suing you. What they do is change the order of battle: first you try mediation, t...

AUDIO ES IT LEGAL NL

by Paolo Maria Pavan

Aug 20, 2025 RISK INTELLIGENCE

Fraud is not fading. It is mutating. For years, banks pointed proudly to falling APP (Authorised Push Payment) fraud losses , as if the war was being won. But look deeper: overall fraud losses haven’t...

AUDIO ES IT NL Paolo Maria Pavan SCAM THIRD PARTY RISK

by Paolo Maria Pavan

Aug 20, 2025 PAOLO MARIA PAVAN

June 2025 brought us a headline that looks good at first sight: investments in tangible fixed assets were 8.3 percent higher than a year earlier, according to CBS. A figure that makes us breathe a lit...

AUDIO DUTCH ECONOMY ES IT NL Paolo Maria Pavan

by Paolo Maria Pavan

Aug 19, 2025 RISK INTELLIGENCE

Behind the Scam: A Risk Intelligence Autopsy Fraud, today, does not wear a hoodie and hide in a dark basement. It wears a tie, rents office space, and runs on CRM dashboards that would not look out of...

AUDIO ES IT NL Paolo Maria Pavan SCAM THIRD PARTY RISK

by Paolo Maria Pavan

Aug 18, 2025 RISK INTELLIGENCE

Interest rates are moving, and many entrepreneurs in the Netherlands are scanning the horizon for a safe place to park cash reserves. A pop-up advert appears: a well-known international financial bran...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK

by Paolo Maria Pavan

Aug 15, 2025 PAOLO MARIA PAVAN

Three hundred and five thousand. (305.000) That’s the number of employees who changed employers in the second quarter of 2025. It sounds big, until you notice that, three years earlier, the same figur...

AUDIO DUTCH ECONOMY ES IT NL Paolo Maria Pavan

by Paolo Maria Pavan

Aug 14, 2025 PAOLO MARIA PAVAN

Exports Up, Germany Down: Reading Between the Lines Statistics Netherlands tells us that in June, the volume of Dutch goods exports, adjusted for working days, was up 1.8% compared to June 2024. Machi...

AUDIO DUTCH ECONOMY ES IT NL Paolo Maria Pavan

by Paolo Maria Pavan

Aug 13, 2025 RISK INTELLIGENCE

In 2024, one in five Dutch companies learned the hard way what “cyber incident” really means. For large corporations, it was three in ten. The first blow? Financial loss. Then came the data breaches. ...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK