Xtroverso Knowledge: Dutch Tax & Compliance Insights

Poverty Shows Up at the Doctor Before It Shows Up in the Ledger

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 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

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

by Paolo Maria Pavan

Aug 21, 2025 PAOLO MARIA PAVAN

Q: If the news says unemployment is stuck at 3.8%, why should I care? "Because that number hides what’s really going on. Thousands of people lose their jobs and thousands find new ones every month. It...

DUTCH ECONOMY ES HR IT NL Paolo Maria Pavan

by Paolo Maria Pavan

Aug 20, 2025 WISE

I once met an entrepreneur who proudly told me, “I keep everything in my head.” Three weeks later, he couldn’t remember whether a client had already paid him or not. The invoice was lost between email...

ES ESG IT NL Paolo Maria Pavan WISE

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

Founder’s Chaos and Its Hidden Cost

by Paolo Maria Pavan

Aug 19, 2025 WISE

A small pasta maker in Utrecht. The founder, brilliant at sourdough, terrible at order. Staff never know if wages will be late, suppliers wait weeks for payments, and customers sense the tension behin...

ES ESG IT NL Paolo Maria Pavan WISE

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