At least in the netherlands and belgium, the meter is from the utility company, but comes with a public serial port (the so called P1 port) to read the data for smart home purposes.

Not by default, but tenant submeters are something you can install in your own premises wiring. Here’s an example, a single-phase meter made by Honeywell: https://prod-edam.honeywell.com/content/dam/honeywell-edam/h...

The linked example only monitors one circuit, but you could buy a submeter than can monitor multiple current transformers/multiple circuits.

The utility meter is supplied by the utility and used to bill you, an optional submeter is just for your own monitoring and tracking of electrical use.