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100+ Free VWO Bedrijfseconomie Practice Questions
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2026 Statistics
Key Facts: VWO Bedrijfseconomie Exam
3 Hours
CE Exam Duration
CvTE Examenblad 2026
1–10
Dutch Grading Scale
CvTE Regulations
≥5.5
Standard Passing Grade
Ministry of OCW
6 Subdomains
Core CE Syllabus Subdomains
CvTE Syllabus Bedrijfseconomie 2026
Calculator
Allowed Technology Aid
CvTE Exam Regulations
CE + SE
Eindexamen Structure
Dutch Secondary Ed Rules
100 MCQs
Practice Adaptations
OpenExamPrep 2026
N-Term
National Normalization Factor
CvTE
Official VWO Bedrijfseconomie 2026 is CE (3-hour written exam) plus school SE. These 100 English MCQs provide financial accounting, break-even, and corporate valuation calculation practice aligned to CvTE VWO business economics subdomains.
Sample VWO Bedrijfseconomie Practice Questions
Try these sample questions to test your VWO Bedrijfseconomie exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.
1A home buyer takes out a linear mortgage of €300,000 with a duration of 30 years (360 monthly payments) at a fixed annual interest rate of 4.0%. What is the constant principal repayment amount per month?
A.€833.33
B.€1,000.00
C.€1,432.25
D.€1,833.33
Explanation: In a linear mortgage (lineaire hypotheek), the principal repayment (aflossing) is constant each period. Monthly principal repayment = Total Loan Amount / Total Months = €300,000 / 360 = €833.33.
2Which statement correctly distinguishes nominal interest rate (nominale rente) from effective annual interest rate (effectieve rente)?
A.Nominal rate includes compound interest effects within the year, while effective rate does not.
B.Effective rate accounts for payment frequency (compounding per month or quarter) and transaction costs, making it higher than the quoted nominal rate when payments are monthly.
C.Nominal rate is adjusted for inflation, whereas effective rate is unadjusted.
D.Effective rate applies only to business loans, while nominal rate applies to consumer mortgages.
Explanation: The effective annual interest rate (effectieve rente) reflects the true annual interest cost taking into account compounding intervals (e.g., monthly interest payments) and initial fee deductions. Monthly compounding causes the effective rate to exceed the stated annual nominal rate.
3In the Dutch pension system (pensioenstelsel), what does Pillar 1 (pijler 1) consist of?
A.Employer-sponsored collective workplace pension (pensioenfonds)
B.Individual private annuities and tax-deferred savings (lijfrente)
C.State pension provided under the General Old Age Pensions Act (AOW - Algemene Ouderdomswet)
D.Voluntary corporate equity stock options
Explanation: Pillar 1 of the Dutch pension framework is the statutory state pension (AOW), financed on a pay-as-you-go basis (omslagstelsel) by current taxpayers for resident citizens reaching statutory retirement age.
4How does choosing a higher voluntary deductible (vrijwillig eigen risico) affect a consumer's monthly health insurance premium in the Netherlands?
A.It increases the monthly insurance premium because the insurer faces higher moral hazard.
B.It decreases the monthly insurance premium because the insured assumes a higher share of initial claim costs.
C.It leaves the monthly insurance premium completely unchanged because basic cover is government-regulated.
D.It eliminates the mandatory deductible (verplicht eigen risico) entirely.
Explanation: Selecting a higher voluntary deductible (vrijwillig eigen risico) reduces the premium charged by the insurer, as the policyholder agrees to pay out-of-pocket for healthcare expenses up to that higher deductible limit before insurance payout begins.
5An individual borrows €240,000 on an annuity mortgage (annuïteitenhypotheek) at an annual interest rate of 3.0% with fixed gross monthly annuity payments of €1,011.85. In the very first month, how much of this payment goes toward interest and how much toward principal repayment?
A.Interest: €600.00; Principal: €411.85
B.Interest: €411.85; Principal: €600.00
C.Interest: €720.00; Principal: €291.85
D.Interest: €500.00; Principal: €511.85
Explanation: First month interest = Principal × Monthly Interest Rate = €240,000 × (0.03 / 12) = €240,000 × 0.0025 = €600.00. Principal repayment = Total Monthly Annuity − Interest = €1,011.85 − €600.00 = €411.85.
6An investor deposits €15,000 in a fixed savings account yielding 4.0% annual compound interest (samengestelde rente). What is the total account balance at the end of 3 years (rounded to the nearest cent)?
A.€16,800.00
B.€16,872.96
C.€17,148.50
D.€18,200.00
Explanation: Compound interest formula: End Balance = Principal × (1 + r)^n = €15,000 × (1.04)^3 = €15,000 × 1.124864 = €16,872.96.
7A worker earns a gross annual taxable income of €50,000. In a simplified progressive tax system, Band 1 (income up to €38,000) is taxed at 35%, and Band 2 (income above €38,000 up to €70,000) is taxed at 50%. Ignoring tax credits, what is the worker's net annual income after wage tax (inkomstenbelasting)?
A.€30,700
B.€32,500
C.€34,700
D.€37,000
Explanation: Tax Band 1 = €38,000 × 0.35 = €13,300. Tax Band 2 = (€50,000 − €38,000) × 0.50 = €12,000 × 0.50 = €6,000. Total Tax = €13,300 + €6,000 = €19,300. Net Income = Gross Income − Total Tax = €50,000 − €19,300 = €30,700.
8Under a car insurance bonus-malus ladder, a driver currently at Step 10 gets a 65% premium discount (paying 35% of the base premium of €1,200/year). After one claim at fault, the driver drops 5 steps to Step 5, where the discount is 40% (paying 60% of base premium). What is the increase in annual premium paid by the driver?
A.€180
B.€300
C.€420
D.€720
Explanation: Base premium = €1,200. Initial payment at Step 10 (35% of base) = €1,200 × 0.35 = €420. New payment at Step 5 (60% of base) = €1,200 × 0.60 = €720. Premium increase = €720 − €420 = €300.
9A worker's nominal salary increases by 5.0% during a year when consumer price inflation is 3.0%. What is the approximate change in the worker's real purchasing power (koopkracht)?
A.-2.0%
B.+1.94%
C.+2.00%
D.+8.00%
Explanation: Exact real purchasing power index = (Nominal Salary Index / Consumer Price Index) × 100 = (105 / 103) × 100 = 101.94, representing a +1.94% real increase. (Approximate rule: 5% - 3% = +2%, but exact index calculation gives +1.94%).
10A borrower takes a linear mortgage of €120,000 for 10 years (120 monthly repayments) at a 4.0% per annum interest rate. Principal repayment is €1,000 per month. How much total interest is paid during the first 2 months of the mortgage?
A.€396.67
B.€400.00
C.€796.67
D.€800.00
Explanation: Month 1 starting balance = €120,000. Month 1 interest = €120,000 × (0.04 / 12) = €400.00. Month 2 starting balance = €120,000 − €1,000 = €119,000. Month 2 interest = €119,000 × (0.04 / 12) = €396.67. Total interest for first 2 months = €400.00 + €396.67 = €796.67.
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