A GROUP: what changed
What changed
A GROUP
NACE 66.191, Agents and brokers in banking services
filed annual accounts (NBB)
Net result for the year
€5,592
2024 · €25,117-€19,525
Equity
€188,785
2024 · €183,193+€5,592
Cash
€238,636
2024 · €185,414+€53,222
Balance sheet total
€618,521
2024 · €499,629+€118,892
Largest movements
Assets
- Tangible fixed assets +€153,714
up €153,714 (+104%), from €147,514 to €301,228
of which Land and buildings: +€153,024
- Intangible fixed assets -€94,000
no longer reported in 2025 (was €94,000)
- Cash +€53,222
up €53,222 (+28.7%), from €185,414 to €238,636
mainly Debts after one year (+€170,383) and Depreciation (+€146,685)
Equity and liabilities
- Debts after one year +€170,383
up €170,383 (+227%), from €75,000 to €245,383
of which Financial debts: +€150,383
- Other debts -€53,520
down €53,520 (-74.6%), from €71,721 to €18,201
- Tax, wage and social debts -€29,865
down €29,865 (-26.8%), from €111,264 to €81,399
of which Remuneration and social security: -€21,861
- Current portion of long-term debt +€19,608
up €19,608 (+86.8%), from €22,589 to €42,197
Income statement
- Gross operating margin -€63,362
down €63,362 (-9.8%), from €643,374 to €580,012
- Staff costs -€52,788
down €52,788 (-11.6%), from €456,614 to €403,827
- Depreciation +€19,742
up €19,742 (+15.6%), from €126,943 to €146,685
- Taxes -€12,234
down €12,234 (-87.0%), from €14,054 to €1,821
- Other operating charges -€7,694
down €7,694 (-56.8%), from €13,550 to €5,856
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€25,117
Gross operating margin
-€63,362
Staff costs
+€52,788
Depreciation
-€19,742
Other operating charges
+€7,694
Other operating items
-€4,251
Financial income
+€466
Financial charges
-€5,351
Taxes
+€12,234
Result 2025
€5,592
raises the resultlowers the resultnot broken down further in the accounts
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€68,435
Investment
-€209,126
Financing
+€193,913
Cash 2024
€185,414
From operations (derived)
+€68,435
Net result for the year
+€5,592
Depreciation
+€146,685
Receivables within one year
-€5,611
Deferred charges and accrued income
+€2,381
Trade debts
+€1,495
Tax, wage and social debts
-€29,865
Advances received
+€784
Other debts
-€53,520
Accrued charges and deferred income
+€492
Investment (derived)
-€209,126
Investment in fixed assets (net)
-€209,126
Financing
+€193,913
Debts after one year
+€170,383
Current portion of long-term debt
+€19,608
Short-term financial debts
+€3,922
Cash 2025
€238,636
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €499,629 | €618,521 | +€118,892 | +23.8% |
| Fixed assets | 21/28 | €254,909 | €317,350 | +€62,441 | +24.5% |
| Intangible fixed assets | 21 | €94,000 | - | -€94,000 | |
| Tangible fixed assets | 22/27 | €147,514 | €301,228 | +€153,714 | +104% |
| Land and buildings | 22 | €125,479 | €278,503 | +€153,024 | +122% |
| Plant, machinery and equipment | 23 | €16,858 | €14,902 | -€1,956 | -11.6% |
| Furniture and vehicles | 24 | €5,177 | €7,823 | +€2,645 | +51.1% |
| Financial fixed assets | 28 | €13,395 | €16,122 | +€2,727 | +20.4% |
| Current assets | 29/58 | €244,719 | €301,171 | +€56,451 | +23.1% |
| Amounts receivable within one year | 40/41 | €50,561 | €56,171 | +€5,611 | +11.1% |
| Trade receivables | 40 | €43,501 | €47,750 | +€4,249 | +9.8% |
| Other amounts receivable | 41 | €7,060 | €8,421 | +€1,361 | +19.3% |
| Cash at bank and in hand | 54/58 | €185,414 | €238,636 | +€53,222 | +28.7% |
| Deferred charges and accrued income | 490/1 | €8,744 | €6,363 | -€2,381 | -27.2% |
| Total equity and liabilities | 10/49 | €499,629 | €618,521 | +€118,892 | +23.8% |
| Equity | 10/15 | €183,193 | €188,785 | +€5,592 | +3.1% |
| Contributions | 10/11 | €12,400 | €12,400 | = | 0.0% |
| Reserves | 13 | €170,793 | €176,385 | +€5,592 | +3.3% |
| Distributable reserves | 133 | €170,793 | €176,385 | +€5,592 | +3.3% |
| Amounts payable | 17/49 | €316,435 | €429,735 | +€113,300 | +35.8% |
| Amounts payable after more than one year | 17 | €75,000 | €245,383 | +€170,383 | +227% |
| Financial debts | 170/4 | - | €150,383 | +€150,383 | |
| Other amounts payable | 178/9 | €75,000 | €95,000 | +€20,000 | +26.7% |
| Amounts payable within one year | 42/48 | €234,917 | €177,341 | -€57,575 | -24.5% |
| Current portion of amounts payable after more than one year | 42 | €22,589 | €42,197 | +€19,608 | +86.8% |
| Financial debts | 43 | €2,837 | €6,759 | +€3,922 | +138% |
| Credit institutions | 430/8 | €2,837 | €6,759 | +€3,922 | +138% |
| Trade debts | 44 | €26,506 | €28,001 | +€1,495 | +5.6% |
| Suppliers | 440/4 | €26,506 | €28,001 | +€1,495 | +5.6% |
| Advances received on contracts in progress | 46 | - | €784 | +€784 | |
| Taxes, remuneration and social security | 45 | €111,264 | €81,399 | -€29,865 | -26.8% |
| Taxes | 450/3 | €14,252 | €6,248 | -€8,004 | -56.2% |
| Remuneration and social security | 454/9 | €97,012 | €75,151 | -€21,861 | -22.5% |
| Other amounts payable | 47/48 | €71,721 | €18,201 | -€53,520 | -74.6% |
| Accrued charges and deferred income | 492/3 | €6,519 | €7,011 | +€492 | +7.5% |
| Remuneration, social security and pensions | 62 | €456,614 | €403,827 | -€52,788 | -11.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €126,943 | €146,685 | +€19,742 | +15.6% |
| Other operating charges | 640/8 | €13,550 | €5,856 | -€7,694 | -56.8% |
| Non-recurring operating charges | 66A | €386 | €4,637 | +€4,251 | +1,101% |
| Gross operating margin | 9900 | €643,374 | €580,012 | -€63,362 | -9.8% |
| Operating profit (loss) | 9901 | €45,881 | €19,007 | -€26,874 | -58.6% |
| Financial income | 75/76B | €855 | €1,321 | +€466 | +54.4% |
| Recurring financial income | 75 | €387 | €862 | +€475 | +123% |
| Non-recurring financial income | 76B | €468 | €459 | -€9 | -2.0% |
| Financial charges | 65/66B | €7,564 | €12,915 | +€5,351 | +70.7% |
| Recurring financial charges | 65 | €7,564 | €12,915 | +€5,351 | +70.7% |
| Profit (loss) for the period before taxes | 9903 | €39,172 | €7,413 | -€31,759 | -81.1% |
| Income taxes | 67/77 | €14,054 | €1,821 | -€12,234 | -87.0% |
| Profit (loss) for the period | 9904 | €25,117 | €5,592 | -€19,525 | -77.7% |
| Profit (loss) for the period to be appropriated | 9905 | €25,117 | €5,592 | -€19,525 | -77.7% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 8 November 2026 via checked.be.