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Personal Finances and Welfare, Social Statistics
Jarl Quitzau
+45 3917 3594

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Personal assets and Liabilities

These statistics have been compiled since 2014 and are comparable over time with the exception of minor data inconsistencies between 2015 and 2016 and between 2016 and 2017 in the classifications.. These statistics are compiled according to common European guidelines, but are unique as the only complete register based statistics with almost full coverage on wealth and liabilities. Use caution if doing international comparisons.

Comparability - geographical

As far as we know, similar register based statistics are not produced elsewhere that have as extensive coverage as the Danish ones – international comparisons may produce skewed results due to different methods of data collection and coverage. Use caution if doing international comparisons.

Comparability over time

When the statistics were established in 2014, there were limited options for comparing data over time. As we do not have figures from years before 2014 we cannot compare with data from earlier years. From 2015 to 2016 there was a change of reporting procedure that had the consequence that a double-digit amount in the billions was moved from the component “F1.1 other loans in financial institutions” to “E.2 loans with mortgage in owned property”. This does not affect the overall debt levels. The overall levels of the wealth components are now comparable across time from 2014. Concerning car-wealth, a new calculation procedure was implemented in 2017. At the same time, there was a change in the previous publication of gross prices (including dealer margins etc.) turned into net prices that sought to reflect what a used car can be sold for. Data from before 2014 have retroactively been recalculated using the new method for owned property and cars as well as financial wealth components. Exclusively for pension assets, exist consistent accounts from the period 2004 – 2013. If one seeks information on debts, it is possible to find comparable micro-data in the income statistics that go all the back to 1997.

Coherence - cross domain

Data on wealth at the macro level is published in the national accounts. In 2014, a memo was made about the differences between the individual-based statistics and the national accounts. The National accounts include macro data on wealth components that are not available at the level of individuals I.E. non-traded stocks. This includes e.g. unlisted shares and cash. The statistics on personal assets and liabilities are a subset of these statistics. The financial wealth components that are also included in the income statistics are also very internally consistent. The few diference that occur are caused by the often changing points of time during the day that the tax authorities’ systems register their data.

Coherence - internal

Not relevant for these statistics.