Xtroverso Knowledge: Dutch Tax & Compliance Insights

The Housing Market Is Cooling, Not Crashing

by Paolo Maria Pavan

Dec 30, 2025 PAOLO MARIA PAVAN

In November 2025, existing home prices in the Netherlands were on average 6.1 percent higher than a year earlier. That number sounds familiar by now, almost routine. What matters more is what sits beh...

ES IT NL Paolo Maria Pavan TODAY'S MARKET PULSE

by Paolo Maria Pavan

Dec 29, 2025 PAOLO MARIA PAVAN

Most entrepreneurs recognise financial stress when it hits the bank account. Fewer recognise it when it shows up as fatigue, chronic pain, or a lingering sense that work takes more effort than it used...

ES IT NL Paolo Maria Pavan TODAY'S MARKET PULSE

When the Numbers Rise Quietly

by Paolo Maria Pavan

Dec 27, 2025 PAOLO MARIA PAVAN

The Netherlands is not a poor country. That is still true. And yet, in 2024, 551,000 people lived below the poverty line. That is 3.1 percent of the population, up from 2.7 percent the year before. Af...

ES IT NL Paolo Maria Pavan TODAY'S MARKET PULSE

When More Work Brings Less Reward

by Paolo Maria Pavan

Dec 27, 2025 PAOLO MARIA PAVAN

The latest figures from Statistics Netherlands and Wageningen Economic Research tell a story that will sound familiar to many entrepreneurs, even far beyond the farm. Agricultural income in 2025 is ex...

ES IT NL Paolo Maria Pavan TODAY'S MARKET PULSE

by Paolo Maria Pavan

Dec 27, 2025 PAOLO MARIA PAVAN

This year marks a quiet turning point. For the first time in our country’s history, there are more people aged 65 and over than people under 20. It did not arrive with a headline-grabbing crisis or a ...

ES IT NL Paolo Maria Pavan TODAY'S MARKET PULSE

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

Environmental Ethics in Service SMEs

by Paolo Maria Pavan

Aug 21, 2025 WISE

Last week, while waiting in line at a small coffee bar in Amersfoort, I watched a barista rinse the same cup three times before filling it with fresh water. Behind him, boxes of single-use plastic str...

ES ESG IT NL Paolo Maria Pavan WISE

The Photo on Your Website Isn’t Free

by Paolo Maria Pavan

Aug 21, 2025 ASK PAOLO

Q: I just grabbed a nice photo from Google for my website. It’s online, so it’s free, right? " No, it’s not free. That photo belongs to the person who took it. If you use it without permission, you ca...

DIGITAL ES IT LEGAL NL