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ACTM: what changed

Two fiscal years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.

What changed

ACTM

BE 0779.294.931
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€97,386
2024 · €100,033-€2,647
Equity
€276,622
2024 · €219,236+€57,386
Cash
€347,362
2024 · €263,846+€83,516
Balance sheet total
€390,032
2024 · €301,044+€88,989

Largest movements

2024 to 2025
Assets
  • Cash +€83,516

    up €83,516 (+31.7%), from €263,846 to €347,362

    mainly Net result for the year (+€97,386) and Other debts (+€25,379)

  • Deferred charges and accrued income +€17,594

    up €17,594 (+724.5%), from €2,429 to €20,023

  • Tangible fixed assets -€12,122

    down €12,122 (-62.1%), from €19,533 to €7,411

Equity and liabilities
  • Reserves +€97,386

    up €97,386 (+59.8%), from €162,962 to €260,348

  • Profit (loss) carried forward -€40,000

    down €40,000 (-78.0%), from €51,274 to €11,274

  • Other debts +€25,379

    up €25,379 (+175.5%), from €14,462 to €39,842

  • Tax, wage and social debts +€5,112

    up €5,112 (+8.1%), from €63,268 to €68,380

    of which Taxes: +€3,897

  • Trade debts +€4,316

    up €4,316 (+1169.2%), from €369 to €4,686

Income statement
  • Depreciation -€5,529

    down €5,529 (-68.0%), from €8,128 to €2,599

  • Taxes +€5,149

    up €5,149 (+12.3%), from €41,782 to €46,931

  • Gross operating margin -€3,316

    down €3,316 (-1.8%), from €188,556 to €185,240

From the 2024 result to the 2025 result

effect on the result

Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.

Result 2024 €100,033
Gross operating margin -€3,316
Staff costs -€352
Depreciation +€5,529
Other operating charges +€109
Financial charges +€533
Taxes -€5,149
Result 2025 €97,386

Cash bridge derived

cash 2024 to 2025

Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations +€116,825
Investment +€9,523
Financing -€42,832
Cash 2024 €263,846
Net result for the year +€97,386
Depreciation +€2,599
Deferred charges and accrued income -€17,594
Trade debts +€4,316
Tax, wage and social debts +€5,112
Other debts +€25,379
Accrued charges and deferred income -€373
Investment in fixed assets (net) +€9,523
Short-term financial debts -€2,832
Contributions, distributions and other -€40,000
Cash 2025 €347,362
Every line side by side 38 lines
Line Code 2024 2025 Change %
Total assets 20/58 €301,044 €390,032 +€88,989 +29.6%
Fixed assets 21/28 €19,769 €7,647 -€12,122 -61.3%
Tangible fixed assets 22/27 €19,533 €7,411 -€12,122 -62.1%
Furniture and vehicles 24 €19,533 €7,411 -€12,122 -62.1%
Financial fixed assets 28 €235 €235 = 0.0%
Current assets 29/58 €281,275 €382,385 +€101,110 +35.9%
Amounts receivable within one year 40/41 €15,000 €15,000 = 0.0%
Trade receivables 40 €15,000 €15,000 = 0.0%
Cash at bank and in hand 54/58 €263,846 €347,362 +€83,516 +31.7%
Deferred charges and accrued income 490/1 €2,429 €20,023 +€17,594 +724.5%
Total equity and liabilities 10/49 €301,044 €390,032 +€88,989 +29.6%
Equity 10/15 €219,236 €276,622 +€57,386 +26.2%
Contributions 10/11 €5,000 €5,000 = 0.0%
Reserves 13 €162,962 €260,348 +€97,386 +59.8%
Distributable reserves 133 €162,962 €260,348 +€97,386 +59.8%
Profit (loss) carried forward 14 €51,274 €11,274 -€40,000 -78.0%
Amounts payable 17/49 €81,808 €113,410 +€31,603 +38.6%
Amounts payable within one year 42/48 €80,932 €112,907 +€31,976 +39.5%
Financial debts 43 €2,832 - -€2,832
Credit institutions 430/8 €2,832 - -€2,832
Trade debts 44 €369 €4,686 +€4,316 +1169.2%
Suppliers 440/4 €369 €4,686 +€4,316 +1169.2%
Taxes, remuneration and social security 45 €63,268 €68,380 +€5,112 +8.1%
Taxes 450/3 €56,961 €60,858 +€3,897 +6.8%
Remuneration and social security 454/9 €6,307 €7,522 +€1,215 +19.3%
Other amounts payable 47/48 €14,462 €39,842 +€25,379 +175.5%
Accrued charges and deferred income 492/3 €876 €503 -€373 -42.6%
Remuneration, social security and pensions 62 €36,229 €36,582 +€352 +1.0%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €8,128 €2,599 -€5,529 -68.0%
Other operating charges 640/8 €1,037 €928 -€109 -10.5%
Gross operating margin 9900 €188,556 €185,240 -€3,316 -1.8%
Operating profit (loss) 9901 €143,162 €145,131 +€1,970 +1.4%
Financial charges 65/66B €1,347 €814 -€533 -39.5%
Recurring financial charges 65 €1,347 €814 -€533 -39.5%
Profit (loss) for the period before taxes 9903 €141,815 €144,317 +€2,502 +1.8%
Income taxes 67/77 €41,782 €46,931 +€5,149 +12.3%
Profit (loss) for the period 9904 €100,033 €97,386 -€2,647 -2.6%
Profit (loss) for the period to be appropriated 9905 €100,033 €97,386 -€2,647 -2.6%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 28 September 2026 via checked.be.