Increasingly, radicalisation is an individual process. Terrorist attacks are more often an individual affair as well. This makes it more difficult to predict who will commit an act of violence and when and why they might do so. These are some of the key conclusions of the latest edition of the Terrorist Threat Assessment for the Netherlands, the semi-annual report issued by the National Coordinator for Counterterrorism and Security (NCTV). There is a realistic chance of a terrorist attack in the Netherlands, and for that reason the threat level remains at 4 (substantial).