They don't come with a liner, but you can get liners for them. I had my Bedale for a while before the BF got me a vest-style liner for it for Christmas last year. The liner doesn't seem to alter the fit/line of the coat at all, and does make it warmer, though not as warm as layering over something like a down vest does.
IMO, it's a great mid-weight, waterproof coat. But even with the liner, it's not a true winter-weight coat (though I don't know how cold it gets in Holland for that to be a concern); below the 40s, I'd want something heavier. But here in the mid-Atlantic we get quite a few months of cool, damp weather every spring/fall, and it's perfect for that. It also doesn't breathe quite as well as some of the other coats I have that are more technical fabric rain coats; if I were just buying for another rain coat, I'd buy another
Patagonia Torrentshell, cut big enough to layer under.