Holdwise · Wealth & family

Wealth and family structures in the Netherlands

29 guides on wealth and family structures, based on the 2026 figures. Topics include holding design, STAK certification, family governance, real estate and succession.

Set Up a Single-Family Office: Entity, Team and Mandate
A single-family office comes down to three decisions: which entity owns the assets, who makes up the team, and what the mandate says. Written well,…
Family-Office Regulation in the Netherlands: What the Supervisor Expects
A single-family office that manages its own wealth, for its own family and at its own risk, falls outside the rules for financial licences. This cha…
The Share-Certification Foundation (STAK) Explained for Families
A share-certification foundation (STAK) separates control from value in a family company. The foundation owns the shares and votes on them. Family m…
The Dutch Foundation (Stichting) and Asset Protection: What It Can Do and Where Its Limits Are
A Dutch foundation (stichting) is a strong tool to keep assets separate from your personal estate. It protects assets that you transferred early, do…
The Dutch Mutual Fund Structure (FGR) for Family Investments
When several family branches invest together, a contract can be a better choice than a company. In a fund for joint account (fonds voor gemene reken…
Estate Planning for International Families Based in the Netherlands
An international family plans succession across three questions at once: which country’s law governs the estate, which countries tax it, and which s…
Business Succession Relief (BOR): Pass the Company On with 100% Relief up to €1.54M
The business succession relief (bedrijfsopvolgingsregeling, BOR) is the most valuable scheme in Dutch family-business law. In 2026, you can pass on…
Philanthropy Through a Dutch Public-Benefit Organisation (ANBI)
In the Netherlands, families give to charity through a public benefit organisation (algemeen nut beogende instelling, ANBI). The family can deduct i…
Structuring an Art Collection: Ownership, Lending and Legacy
In the Netherlands, the tax on an art collection depends on what you do with it. A real private collection has one of the mildest tax treatments in…
Classic-Car Collections in a BV: Ownership, Insurance and Use
Whether you keep a classic car privately or in the BV depends on how you use it. You can use it as part of a collection, as trading stock or as a bu…
Private-Equity Holding in the Netherlands: Deals, Carry and Exits
Private-equity investors have used the Dutch holding company for decades. Stakes from 5% qualify for the participation exemption, exits are usually…
Search Funds in the Netherlands: How to Buy and Run a Company
The Netherlands suits search funds well. A generation of family business owners is looking for successors, banks are experienced with cash-flow acqu…
A Dutch Real-Estate Portfolio in a BV: Transfer Tax, Financing, Exit
A large property portfolio belongs in a company. Net rents are taxed at 19% up to €200,000, and interest is deductible within the standard limi…
Box 3 and the Switch to Actual Returns: Plan Your Investment Mix
Box 3 is changing. Today it is a 36% levy on deemed returns above €59,357 per person. The legislator has said the system will change to taxing actua…
Director Salary and Borrowing up to €500,000 from Your Own BV
The lower salary is what saves tax. At €36,000 compared with €58,000, you keep about €7,100 a year more. After a later dividend, about €2,800 of tha…
A Second Home in the Netherlands: Private or Through Your BV
For a second home, private ownership is the better choice more often than people expect. A BV is usually only worthwhile when you receive real renta…
The Relocation Map: Every Professional You Need, in Order
When a wealthy family relocates to the Netherlands, it works with eight types of professionals for one season. Families who engage them in the right…
Private and Business Banking Onboarding for Wealthy Newcomers
Wealthy newcomers deal with Dutch banks on two tracks. The business accounts must work within weeks. The private-banking relationship takes more tim…
Retiring to the Netherlands with a Business Legacy: The Plan
A founder who retires in the Netherlands needs a plan with three parts. The holding company pays for the retirement years. Distributions replace you…
Marriage Terms and Your BV: Keep Business and Family Clear
Since 2018, the default Dutch marriage regime is a limited community of property. Under this regime, the community includes what is built during the…
The Emigration Tax Checklist for Wealthy Families Settling In
Wealthy families who relocate to the Netherlands go through the same tax checklist. You save the most money when you follow the order of the checkli…
The Holding as Your Family Bank: Lending, Investing, Teaching
Your holding can work as a family bank. It can lend to the founder up to the €500,000 threshold and finance the children’s homes and companies at ma…
Next-Generation Governance: Prepare Heirs for Ownership
Prepare heirs for ownership in stages, over about ten years. The legal transfer of wealth can be done in an afternoon. Families who manage both trea…
Residency Routes for Wealthy Families: The 2026 Overview
The Netherlands grants residence based on activity, such as starting a company, using EU rights or joining family members who already live here. For…
From Residence to Dutch Citizenship: The Realistic Timeline
You can apply for Dutch citizenship after five years of qualifying residence and proof of integration. The decision is then usually made within abou…
Cross-Border Gifts to Children: Gift Tax and Tax Treaties
A gift to a child across a border can be taxed in two countries. International families who check both tax systems once can then plan their gifts on…
Life-Insurance Wrappers and Dutch Tax: What Still Works
Families relocating to the Netherlands often bring a life-insurance wrapper, a Luxembourg or Liechtenstein policy holding an investment portfolio, a…
Liquidity Events in the Holding: Dividends, Buybacks and Timing
With a holding, you choose when to take cash out. You can leave the profit in the holding, tax-free, until you are ready to pay it out. You can take…
Wealth Questions Answered: The 50 Things Founders’ Families Ask
Founder families tend to ask the same fifty questions. Each question has a short answer and a link to a page with more detail. Reviewed 18 August 20…

See also the tax treaties and the country comparisons.

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Knowledge on doing business in the Netherlands · based on the 2026 figures

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