If NL laws are anywhere close to the rest of European countries: the bike is responsible. The pedestrian is never responsible, unless they do something absurd like jumping in front of the bike without leaving any way to react to the bike.

>If the pedestrian gets a broken arm who pays for medical services?

The... Insurance of whoever is responsible? I know this concept is weird to the US, but personal insurances in Europe are about covering the damage you inflict on others first, then eventually you. They're also mandatory. In addition, well, a broken arm is not a financial catastrophe in Europe. Should it prevent you from doing your job, the insurance also covers that.