AFLIESUR: what changed
What changed
AFLIESUR
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€162,239
2024 · €119,951+€42,288
Equity
€21,987
2024 · €21,749+€239
Cash
€132,695
2024 · €82,604+€50,092
Balance sheet total
€260,837
2024 · €230,121+€30,716
Largest movements
Assets
- Cash +€50,092
up €50,092 (+60.6%), from €82,604 to €132,695
mainly Net result for the year (+€162,239) and Other debts (+€42,706)
- Tangible fixed assets -€17,628
down €17,628 (-24.5%), from €72,094 to €54,467
of which Furniture and vehicles: -€11,539
Equity and liabilities
- Other debts +€42,706
up €42,706 (+33.8%), from €126,319 to €169,025
- Current portion of long-term debt -€10,072
down €10,072 (-100%), from €10,072 to €0
Income statement
- Gross operating margin +€51,072
up €51,072 (+11.4%), from €448,320 to €499,392
- Taxes +€13,245
up €13,245 (+27.9%), from €47,530 to €60,775
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
€119,951
Gross operating margin
+€51,072
Staff costs
-€211
Depreciation
+€2,769
Other operating charges
+€2,264
Financial income
+€23
Financial charges
-€384
Taxes
-€13,245
Result 2025
€162,239
raises the resultlowers the result
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
+€218,390
Investment
+€3,865
Financing
-€172,164
Cash 2024
€82,604
From operations (derived)
+€218,390
Net result for the year
+€162,239
Depreciation
+€13,763
Receivables within one year
+€1,748
Trade debts
-€2,463
Tax, wage and social debts
+€1,530
Other debts
+€42,706
Accrued charges and deferred income
-€1,133
Investment (derived)
+€3,865
Investment in fixed assets (net)
+€3,865
Financing
-€172,164
Current portion of long-term debt
-€10,072
Short-term financial debts
-€91
Contributions, distributions and other
-€162,000
Cash 2025
€132,695
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €230,121 | €260,837 | +€30,716 | +13.3% |
| Fixed assets | 21/28 | €76,594 | €58,967 | -€17,628 | -23.0% |
| Tangible fixed assets | 22/27 | €72,094 | €54,467 | -€17,628 | -24.5% |
| Plant, machinery and equipment | 23 | €8,316 | €8,412 | +€97 | +1.2% |
| Furniture and vehicles | 24 | €32,886 | €21,347 | -€11,539 | -35.1% |
| Other tangible fixed assets | 26 | €30,892 | €24,707 | -€6,185 | -20.0% |
| Financial fixed assets | 28 | €4,500 | €4,500 | = | 0.0% |
| Current assets | 29/58 | €153,527 | €201,871 | +€48,344 | +31.5% |
| Amounts receivable within one year | 40/41 | €70,923 | €69,175 | -€1,748 | -2.5% |
| Trade receivables | 40 | €53,896 | €56,706 | +€2,809 | +5.2% |
| Other amounts receivable | 41 | €17,027 | €12,470 | -€4,557 | -26.8% |
| Cash at bank and in hand | 54/58 | €82,604 | €132,695 | +€50,092 | +60.6% |
| Total equity and liabilities | 10/49 | €230,121 | €260,837 | +€30,716 | +13.3% |
| Equity | 10/15 | €21,749 | €21,987 | +€239 | +1.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €1,289 | €1,527 | +€239 | +18.5% |
| Amounts payable | 17/49 | €208,373 | €238,850 | +€30,477 | +14.6% |
| Amounts payable after more than one year | 17 | €0 | - | = | |
| Financial debts | 170/4 | €0 | - | = | |
| Amounts payable within one year | 42/48 | €207,240 | €238,850 | +€31,610 | +15.3% |
| Current portion of amounts payable after more than one year | 42 | €10,072 | €0 | -€10,072 | -100% |
| Financial debts | 43 | €20,284 | €20,192 | -€91 | -0.4% |
| Other loans | 439 | €20,284 | €20,192 | -€91 | -0.4% |
| Trade debts | 44 | €20,858 | €18,395 | -€2,463 | -11.8% |
| Suppliers | 440/4 | €20,858 | €18,395 | -€2,463 | -11.8% |
| Taxes, remuneration and social security | 45 | €29,707 | €31,237 | +€1,530 | +5.2% |
| Taxes | 450/3 | - | €1,505 | +€1,505 | |
| Remuneration and social security | 454/9 | €29,707 | €29,733 | +€26 | +0.1% |
| Other amounts payable | 47/48 | €126,319 | €169,025 | +€42,706 | +33.8% |
| Accrued charges and deferred income | 492/3 | €1,133 | €0 | -€1,133 | -100% |
| Non-recurring operating income | 76A | €0 | €3,777 | +€3,777 | |
| Remuneration, social security and pensions | 62 | €259,021 | €259,232 | +€211 | +0.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €16,532 | €13,763 | -€2,769 | -16.8% |
| Other operating charges | 640/8 | €2,946 | €682 | -€2,264 | -76.8% |
| Gross operating margin | 9900 | €448,320 | €499,392 | +€51,072 | +11.4% |
| Operating profit (loss) | 9901 | €169,820 | €225,714 | +€55,894 | +32.9% |
| Financial income | 75/76B | €0 | €23 | +€23 | |
| Recurring financial income | 75 | €0 | €23 | +€23 | |
| Financial charges | 65/66B | €2,339 | €2,723 | +€384 | +16.4% |
| Recurring financial charges | 65 | €2,339 | €2,723 | +€384 | +16.4% |
| Profit (loss) for the period before taxes | 9903 | €167,481 | €223,014 | +€55,533 | +33.2% |
| Income taxes | 67/77 | €47,530 | €60,775 | +€13,245 | +27.9% |
| Profit (loss) for the period | 9904 | €119,951 | €162,239 | +€42,288 | +35.3% |
| Profit (loss) for the period to be appropriated | 9905 | €119,951 | €162,239 | +€42,288 | +35.3% |
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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 2 November 2026 via checked.be.