If the income of self-employed persons disappears, almost a fifth quickly ends up in financial difficulties. The remaining household funds will then fall below the minimum wage limit within three months.

More than a third of self-employed persons fall below that critical threshold after a year without income. The Central Bureau of Statistics (CBS) reports this on Thursday on the basis of a model-based calculation that the bureau carried out in response to the corona crisis.

Self-employed persons over the age of 45 have more reserves and are therefore less vulnerable to loss of income than younger self-employed persons. After six months without income, 21 percent of self-employed people between 45 and 65 fall below the minimum wage limit. After a year, 29 percent is below that limit. For their younger colleagues, this applies to 35 and 46 percent respectively.

It is also striking that female freelancers are less vulnerable financially. Their income is lower than that of their male colleagues, but they can often fall back on their partner's income. With an entire year of income loss, 28 percent of female self-employed persons would fall below the minimum wage limit, for men this would be 38 percent.

Self-employed people in the catering industry, construction and transport and storage are the most vulnerable to loss of income. They are strongest in financial services, real estate and healthcare.