REF’s picks

Dinamo Zagreb possess the European experience and home stability at Stadion Maksimir to break down a vulnerable NEC side. The Dutch visitors arrive with significant defensive absentees and a concerning winless run across all competitions.

1. 1Dinamo have shown strong defensive discipline in Europe recently, keeping clean sheets against both Anderlecht and Hapoel Be'er.
2. 2NEC are missing key defensive pillars Philippe Sandler and Bram Nuytinck, leaving their backline heavily depleted.
3. 3Dinamo's inconsistent domestic form and tendency to draw tight matches mean an early goal is vital to avoid another stalemate.

REF's own opinion, not a guarantee — nothing here is financial or betting advice, and the call is always yours.