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100+ Free HAVO Bedrijfseconomie Practice Questions

Prepare for the Netherlands HAVO Bedrijfseconomie, ondernemerschap en financiële zelfredzaamheid exam with instant access — no signup required.

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2026 Statistics

Key Facts: HAVO Bedrijfseconomie Exam

3 hours

2026 CE duration (13:30–16:30)

Examenblad Bedrijfseconomie havo 2026 rooster

1–10

Dutch secondary grading scale

Dutch VO exam system / Rijksoverheid

5.5

Minimum unrounded average CE across subjects

Examenblad exameneisen / Rijksoverheid HAVO

50% / 50%

Typical SE / CE weight in subject eindcijfer

Dutch VO eindexamen structure

A, B, C2, D2, E2, F, G

CE (sub)domains

Examenprogramma / syllabus Bedrijfseconomie havo

320 SBU

HAVO study-load hours for the subject

CvTE Bedrijfseconomie syllabus

No school CE fee

Regular enrolled HAVO candidates

Publicly funded VO; contrast DUO Staatsexamen fees

100

Free practice MCQs on this page

OpenExamPrep English study adaptation

Free 100-question English MCQ study bank for Netherlands HAVO Bedrijfseconomie (CvTE / Examenblad 2026). Official CE: 3-hour Dutch written case paper (not MCQ); SE + CE each 50% of the subject grade on the Dutch 1–10 scale; no separate school subject exam fee for regular candidates. Practice emphasises break-even, ratios, financing and reporting.

Sample HAVO Bedrijfseconomie Practice Questions

Try these sample questions to test your HAVO Bedrijfseconomie exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1In Dutch HAVO Bedrijfseconomie, an eenmanszaak (sole proprietorship) is characterised by which liability rule?
A.Limited liability for the owner equal to share capital
B.Unlimited personal liability of the owner for business debts
C.Liability limited to the inventory value only
D.Joint liability shared equally with all employees
Explanation: In an eenmanszaak the owner and the business are not separate legal persons for liability: creditors can claim against the owner's personal assets. Limited liability typically requires a legal form such as a BV.
2A HAVO candidate compares saving EUR 200 per month for 12 months versus spending it. Ignoring interest, how much cash buffer accumulates after one year?
A.EUR 1,200
B.EUR 2,000
C.EUR 2,400
D.EUR 24,000
Explanation: 200 × 12 = EUR 2,400. Personal financial self-reliance questions often start from simple accumulation before adding interest.
3A student earns EUR 1,800 net per month and budgets EUR 1,250 for fixed living costs. What is the monthly amount left for variable spending and saving?
A.EUR 450
B.EUR 550
C.EUR 1,250
D.EUR 3,050
Explanation: 1,800 − 1,250 = EUR 550 available after fixed costs.
4Which statement best describes a besloten vennootschap (BV) relative to an eenmanszaak?
A.The BV is always cheaper to start and has unlimited owner liability
B.The BV is a separate legal person; shareholders' liability is generally limited to their capital contribution
C.The BV cannot employ staff and cannot raise debt
D.The BV pays no taxes of any kind in the Netherlands
Explanation: A BV is a legal person (rechtspersoon). Shareholders are generally not personally liable beyond their capital stake, unlike the unlimited liability of an eenmanszaak owner.
5An entrepreneur values own labour at EUR 2,400 per month (gewaardeerd loon) and estimates forgone interest on capital at EUR 300 per month. Accounting profit is EUR 3,100 per month. What is the economic residual after these opportunity costs?
A.EUR 400
B.EUR 700
C.EUR 2,800
D.EUR 5,800
Explanation: Economic residual ≈ accounting profit − valued wage − forgone interest = 3,100 − 2,400 − 300 = EUR 400.
6A household borrows EUR 6,000 for one year at 8% simple interest and repays principal plus interest in a lump sum. How much is repaid at year-end?
A.EUR 6,080
B.EUR 6,480
C.EUR 6,800
D.EUR 7,200
Explanation: Interest = 6,000 × 0.08 = EUR 480. Total repayment = 6,000 + 480 = EUR 6,480.
7Which stakeholder typically has the residual claim on profits after other claims are met in a BV?
A.Trade creditors for unpaid invoices
B.Employees for contracted wages
C.Shareholders (eigenvermogensverschaffers)
D.The tax authority for payroll tax only
Explanation: Shareholders provide equity and hold the residual claim after contractual claims of lenders, employees, suppliers and tax authorities are met.
8A sole trader invests EUR 25,000 of personal savings as starting capital and borrows EUR 15,000. What is total opening capital employed (totale vermogen)?
A.EUR 15,000
B.EUR 25,000
C.EUR 40,000
D.EUR 10,000
Explanation: Total capital = equity + debt = 25,000 + 15,000 = EUR 40,000.
9Why might an entrepreneur convert an eenmanszaak into a BV as the firm grows?
A.To eliminate all taxes permanently
B.To obtain limited liability and a clearer separation between private and business assets
C.Because a BV cannot go bankrupt
D.Because BVs are forbidden from taking bank loans
Explanation: Limited liability and clearer separation of private versus business assets are classic reasons to move toward a rechtspersoon such as a BV as scale and risk grow.
10A candidate has SE mark 6.8 and CE mark 5.2 for Bedrijfseconomie. Assuming equal 50/50 weights, what is the unrounded subject average before final rounding rules?
A.5.2
B.6.0
C.6.8
D.12.0
Explanation: (6.8 + 5.2) / 2 = 6.0. Dutch subject eindcijfers combine SE and CE; diploma rules separately require the average of all CE marks to be at least 5.5 unrounded.

About the HAVO Bedrijfseconomie Exam

HAVO Bedrijfseconomie (full programme title: Bedrijfseconomie, ondernemerschap en financiële zelfredzaamheid) is a Dutch upper-secondary elective examined by CvTE. The 2026 syllabus and examenprogramma organise content into domains A–H; the centraal examen focuses on A, B, C2, D2, E2, F and G, including standard formulas for liquidity, solvency, profitability, leverage and break-even analysis. Official papers are Dutch written cases; this free bank is an English MCQ study adaptation with EUR calculations.

Assessment

Eindexamen = schoolexamen + centraal examen. CE (CvTE) covers (sub)domains A (skills), B (person to legal entity), C2 (personnel policy), D2 (financing), E2 (marketing policy), F (financial policy) and G (reporting). SE covers A, B and domains/subdomains not in the CE (and optionally CE topics). Official assessment is written Dutch cases with calculations using syllabus standard formulas.

Time Limit

3 hours (13:30–16:30) for the 2026 centraal examen first tijdvak (Friday 22 May 2026) and second tijdvak (Monday 22 June 2026), per Examenblad.

Passing Score

Grades on the Dutch 1–10 scale. Subject eindcijfer = 50% SE + 50% CE. Diploma: unrounded average of all CE marks ≥ 5.5, plus core-subject and compensation rules published by Rijksoverheid/Examenblad.

Exam Fee

No separate subject exam fee for regular enrolled HAVO school candidates (publicly funded secondary education). Staatsexamen vo subject fees (DUO) apply only to that external pathway. (College voor Toetsen en Examens (CvTE))

HAVO Bedrijfseconomie Exam Content Outline

Study emphasis ~12%

Person to legal entity (Domein B)

Personal financial choices, starting a sole proprietorship, moving toward a BV or other legal form, liability and stakeholder interests.

Study emphasis ~8%

Personnel policy (Domein C2)

HR policy instruments, wage and employer-cost reasoning, and people decisions from a management perspective.

Study emphasis ~15%

Financing (Domein D2)

Equity and debt finance, interest cost, repayment capacity, and risks of financing with vreemd vermogen.

Study emphasis ~10%

Marketing policy (Domein E2)

Target groups, marketing objectives, and the marketing mix as policy tools.

Study emphasis ~28%

Financial policy (Domein F)

Fixed vs variable costs, VAT inclusive/exclusive prices, contribution margin, break-even units and revenue, and result before/after tax concepts used in CE.

Study emphasis ~27%

Reporting and ratios (Domein G)

Reading balance sheet and income statement items; current and quick ratios; solvency; RTV, REV and IVV; and the hefboomformule linking RTV, IVV and capital structure.

How to Pass the HAVO Bedrijfseconomie Exam

What You Need to Know

  • Passing score: Grades on the Dutch 1–10 scale. Subject eindcijfer = 50% SE + 50% CE. Diploma: unrounded average of all CE marks ≥ 5.5, plus core-subject and compensation rules published by Rijksoverheid/Examenblad.
  • Assessment: Eindexamen = schoolexamen + centraal examen. CE (CvTE) covers (sub)domains A (skills), B (person to legal entity), C2 (personnel policy), D2 (financing), E2 (marketing policy), F (financial policy) and G (reporting). SE covers A, B and domains/subdomains not in the CE (and optionally CE topics). Official assessment is written Dutch cases with calculations using syllabus standard formulas.
  • Time limit: 3 hours (13:30–16:30) for the 2026 centraal examen first tijdvak (Friday 22 May 2026) and second tijdvak (Monday 22 June 2026), per Examenblad.
  • Exam fee: No separate subject exam fee for regular enrolled HAVO school candidates (publicly funded secondary education). Staatsexamen vo subject fees (DUO) apply only to that external pathway.

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

HAVO Bedrijfseconomie Study Tips from Top Performers

1Memorise HAVO standard formulas from syllabus Bijlage 4: current ratio, quick ratio, solvency, RTV, REV, IVV, hefboomformule, break-even afzet/omzet and perunage — they are not printed on the paper.
2Always separate fixed and variable costs before break-even; contribution margin (dekkingsbijdrage) = selling price − variable cost per unit.
3For ratios, use average capital when the syllabus formula calls for gemiddeld vermogen; state units (%, :1, EUR).
4Practise VAT conversions both ways (price including 21% BTW ↔ exclusive) because CE items often mix them.
5Link financing risk to leverage: positive leverage when RTV > IVV; negative when RTV < IVV.
6Use these English MCQs for concept and calculation speed; still practise full Dutch written workings from past Examenblad papers.
7Check Examenblad each September for Septembermededeling updates to allowed tools and syllabus notes.

Frequently Asked Questions

What is HAVO Bedrijfseconomie?

It is the HAVO exam subject formally titled Bedrijfseconomie, ondernemerschap en financiële zelfredzaamheid. CvTE publishes the examenprogramma and syllabus on Examenblad.nl. The eindexamen combines a school exam and a national centraal examen.

How long is the 2026 centraal examen?

Examenblad schedules the HAVO Bedrijfseconomie CE for 3 hours: first tijdvak Friday 22 May 2026, 13:30–16:30; second tijdvak Monday 22 June 2026, 13:30–16:30.

How is the subject graded?

Dutch secondary education uses grades from 1 to 10. For each subject, the eindcijfer is typically 50% schoolexamen and 50% centraal examen. Diploma pass rules also require an unrounded average CE mark of at least 5.5 across CE subjects, plus core-subject limits and compensation rules.

Is there an exam fee?

Regular enrolled HAVO school candidates do not pay a separate CvTE subject fee for Bedrijfseconomie; the CE is part of publicly funded secondary education. Separate DUO fees apply only if you take the subject via Staatsexamen vo.

Are these official CvTE exam questions?

No. The official CE is a Dutch written open-response case paper. This bank is an original English-language MCQ study adaptation aligned to the 2026 syllabus domains and standard formulas for calculation practice.

Which domains appear in the centraal examen?

Per the examenprogramma/syllabus, the CE covers (sub)domains A, B, C2, D2, E2, F and G. Domains such as C1, D1, E1 and H are primarily school-exam territory unless the school also includes them.