Blog & Columns | Pavan Geraedts

Inheritance Money Opens Doors, but Family Timing Holds the Keys

Sep 30, 2026 Real Estate

Paolo Maria Pavan

A substantial inheritance can widen housing choices, reduce mortgage debt or fund improvements. Yet estate timing, tax and family agreement decide when that wealth becomes usable.

Netherlands REAL ESTATE estate planning family wealth housing inheritance

Rising Dutch Job Cuts Demand More Than Payroll Savings

Sep 29, 2026 Human Resources

Dutch employers are cutting more roles for business-economic reasons. Sound restructuring requires more than payroll savings: it must connect the work, cash impact, dismissal rules and redeployment.

Dutch employment law HUMAN RESOURCES Redeployment Restructuring dismissal

Tax Reform Headlines Cannot Run Tomorrow’s Dutch Payroll

Sep 29, 2026 Ledger & Tax

Dutch tax reform may eventually make work, benefits and payroll easier to understand. Small employers must still base today’s decisions on current rules, pending legislation and real household effects.

Belastingplan 2027 Dutch tax reform LEDGER & TAX cash flow employee benefits payroll small business

When Trading Systems Fail, DORA Puts Responsibility Before Recovery

Sep 29, 2026 Compliance

Paolo Maria Pavan

The AFM’s scrutiny of trading venues shows that DORA compliance is tested in real decisions: who acts, who reports and who remains accountable when systems fail.

AFM COMPLIANCE DORA Financial regulation ICT risk Operational resilience Trading systems

The 2027 Tax Plan Simplifies Rules but Complicates Decisions

Sep 29, 2026 Ledger & Tax

The 2027 Tax Plan shows how simpler tax rules can make business decisions harder when proposals interact with payroll, contracts, people and cash.

Belastingplan 2027 Dutch tax GOVERNANCE LEDGER & TAX payroll small business tax planning

The Client You Accepted May Not Be the Client You Know

Sep 29, 2026 Compliance

Paolo Maria Pavan

Dutch AML supervision is focusing on what changes after onboarding. Firms need living client files, clear ownership of decisions and proportionate monitoring.

AML AMLA COMPLIANCE Client due diligence Wwft transaction monitoring

The Distracted Customer Changes the Price of a Clean Sale

Sep 29, 2026 Compliance

Paolo Maria Pavan

Financial add-ons can increase conversion while creating hidden costs in refunds, service work and compliance. AFM findings show why a clean sale needs clear choices, reliable records and a visible owner.

Artificial intelligence COMPLIANCE Consumer protection Embedded insurance GOVERNANCE

A Tax Error Turns Serious When the Story Stops Adding Up

Sep 28, 2026 Ledger & Tax

A Dutch tax error becomes more serious when repeated anomalies, altered records or unexplained transactions suggest intentional conduct. Good governance keeps the facts, timing and response aligned.

Dutch tax law FIOD GOVERNANCE LEDGER & TAX VAT director liability tax fraud

The Debt That Can Outlive a Dutch Business Failure

Sep 28, 2026 Ledger & Tax

Bankruptcy is not always the end of a Dutch company’s financial consequences. Legal form, guarantees, tax duties and weak records can carry business failure into the household.

Business debt Dutch bankruptcy LEDGER & TAX Personal guarantees Tax arrears corporate governance director liability

The Hyrox Dismissal Separates Medical Capacity From Broken Trust

Sep 28, 2026 Human Resources

A Dutch Hyrox case shows how employers should distinguish medical capacity from conduct and broken trust when managing sickness absence.

Dutch employment law HUMAN RESOURCES reintegration sickness absence summary dismissal

Who Sits at the Cao Table Matters to Every Employer

Sep 28, 2026 Human Resources

A proposed Dutch independence requirement raises a practical question for every employer: why do cao parties have authority, and how does that authority reach payroll, prices and trust?

Collective bargaining Dutch employment law HUMAN RESOURCES cao payroll

Behind €93.2 Billion in Profit, Dutch Firms Face Unequal Conditions

Sep 28, 2026 Market Pulse

Paolo Maria Pavan

Dutch corporate profit increased strongly, but sector exposure, pricing power, wages and payment timing determine what the improvement means for an individual business.

Corporate profit DUTCH ECONOMY MARKET PULSE SMEs business governance cash flow working capital

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