“Last year I saw that I was not going to make it financially with those lockdowns,” says Hans Verbeek of restaurant Utrechtsedwarstafel in Amsterdam. ,,I had a cash flow of 156 euros in April. I turned on credit. I already had Tozo (emergency support for the self-employed) of more than 10,000 euros, salary support for my chef and the fixed expense allowance. But it was not enough.”