Xtroverso Knowledge: Dutch Tax & Compliance Insights

Netherlands Housing Market, July 2025: Prices Rise 8.6% Year-on-Year

by 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

Aug 22, 2025 PAOLO MARIA PAVAN

Environmental Ethics in Service SMEs

by Paolo Maria Pavan

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

Aug 21, 2025 WISE

July 2025 Unemployment: What the Numbers Don’t Tell You

by 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

Aug 21, 2025 PAOLO MARIA PAVAN

Governance Starts When the System Remembers

by Paolo Maria Pavan

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

Aug 20, 2025 WISE

Fraud: The Shapeshifter That Banks Fear and SMEs Cannot Ignore

by Paolo Maria Pavan

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

Aug 20, 2025 RISK INTELLIGENCE

Investments Rise in June, But Who Is Really Investing?

by 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

Aug 20, 2025 PAOLO MARIA PAVAN

Founder’s Chaos and Its Hidden Cost

by Paolo Maria Pavan

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

Aug 19, 2025 WISE

Behind the Scam: How Fraudsters Exploit Marketing, Software, and Shell Companies

by Paolo Maria Pavan

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

Aug 19, 2025 RISK INTELLIGENCE

Dutch Manufacturing in Q2 2025: What the Numbers Don’t Tell You

by Paolo Maria Pavan

Every quarter, Statistics Netherlands (CBS) releases its figures. We see percentages, decimals, neat columns: “turnover down 0.7 percent, industrial sales prices down 0.6 percent.” A small shift, almo...

DUTCH ECONOMY ES IT NL Paolo Maria Pavan

Aug 19, 2025 PAOLO MARIA PAVAN

You Are Part of a Watershed, Not a Bubble

by Paolo Maria Pavan

I once visited a region in the Netherlands where the land had a history of flooding. The fields carried silent scars of water that had overflown its boundaries, seeping into homes, gardens, and roads....

ES ESG IT NL Paolo Maria Pavan WISE

Aug 18, 2025 WISE

When a Savings Account Isn’t a Savings Account: Spotting the New Wave of Financial Scams

by Paolo Maria Pavan

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

Aug 18, 2025 RISK INTELLIGENCE

When “No” Disappears in Business

by Paolo Maria Pavan

The Room Without Walls Years ago, I visited a small family business in Friesland. Everyone was smiling. Every idea was “brilliant,” every request “no problem.” It felt warm, until you noticed the invo...

ES ESG IT NL Paolo Maria Pavan WISE

Aug 15, 2025 WISE