AN-VERZ: what changed
What changed
AN-VERZ
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€184,900
2024 · €166,856+€18,044
Equity
€196,719
2024 · €159,819+€36,900
Cash
€282,419
2024 · €178,736+€103,683
Balance sheet total
€687,395
2024 · €705,354-€17,959
Largest movements
Assets
- Cash +€103,683
up €103,683 (+58.0%), from €178,736 to €282,419
mainly Net result for the year (+€184,900) and Depreciation (+€68,104)
- Intangible fixed assets -€60,000
down €60,000 (-14.9%), from €402,247 to €342,247
- Current investments -€60,000
no longer reported in 2025 (was €60,000)
- Tangible fixed assets -€8,104
down €8,104 (-34.0%), from €23,803 to €15,699
of which Furniture and vehicles: -€7,055
Equity and liabilities
- Debts after one year -€53,096
down €53,096 (-17.1%), from €310,505 to €257,409
- Reserves +€36,900
up €36,900 (+41.1%), from €89,819 to €126,719
- Tax, wage and social debts -€19,557
down €19,557 (-52.2%), from €37,471 to €17,914
of which Taxes: -€18,939
- Other debts +€13,998
up €13,998 (+10.4%), from €134,002 to €148,000
Income statement
- Gross operating margin +€29,804
up €29,804 (+6.8%), from €439,583 to €469,388
- Taxes +€7,869
up €7,869 (+13.2%), from €59,524 to €67,393
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
€166,856
Gross operating margin
+€29,804
Staff costs
-€3,511
Depreciation
-€3,035
Other operating charges
-€14
Financial income
+€1,885
Financial charges
+€784
Taxes
-€7,869
Result 2025
€184,900
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
+€244,404
Investment
+€60,000
Financing
-€200,720
Cash 2024
€178,736
From operations (derived)
+€244,404
Net result for the year
+€184,900
Depreciation
+€68,104
Receivables within one year
-€5,204
Deferred charges and accrued income
-€1,258
Trade debts
+€5,683
Tax, wage and social debts
-€19,557
Other debts
+€13,998
Accrued charges and deferred income
-€2,262
Investment (derived)
+€60,000
Current investments
+€60,000
Financing
-€200,720
Debts after one year
-€53,096
Current portion of long-term debt
+€375
Contributions, distributions and other
-€148,000
Cash 2025
€282,419
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €705,354 | €687,395 | -€17,959 | -2.5% |
| Fixed assets | 21/28 | €426,049 | €357,945 | -€68,104 | -16.0% |
| Intangible fixed assets | 21 | €402,247 | €342,247 | -€60,000 | -14.9% |
| Tangible fixed assets | 22/27 | €23,803 | €15,699 | -€8,104 | -34.0% |
| Furniture and vehicles | 24 | €16,437 | €9,382 | -€7,055 | -42.9% |
| Other tangible fixed assets | 26 | €7,366 | €6,317 | -€1,049 | -14.2% |
| Current assets | 29/58 | €279,305 | €329,450 | +€50,145 | +18.0% |
| Amounts receivable within one year | 40/41 | €36,793 | €41,997 | +€5,204 | +14.1% |
| Trade receivables | 40 | €36,793 | €40,332 | +€3,539 | +9.6% |
| Other amounts receivable | 41 | - | €1,665 | +€1,665 | |
| Current investments | 50/53 | €60,000 | - | -€60,000 | |
| Cash at bank and in hand | 54/58 | €178,736 | €282,419 | +€103,683 | +58.0% |
| Deferred charges and accrued income | 490/1 | €3,776 | €5,034 | +€1,258 | +33.3% |
| Total equity and liabilities | 10/49 | €705,354 | €687,395 | -€17,959 | -2.5% |
| Equity | 10/15 | €159,819 | €196,719 | +€36,900 | +23.1% |
| Contributions | 10/11 | €70,000 | €70,000 | = | 0.0% |
| Reserves | 13 | €89,819 | €126,719 | +€36,900 | +41.1% |
| Distributable reserves | 133 | €89,819 | €126,719 | +€36,900 | +41.1% |
| Amounts payable | 17/49 | €545,535 | €490,677 | -€54,858 | -10.1% |
| Amounts payable after more than one year | 17 | €310,505 | €257,409 | -€53,096 | -17.1% |
| Financial debts | 170/4 | €310,505 | €257,409 | -€53,096 | -17.1% |
| Amounts payable within one year | 42/48 | €232,768 | €233,267 | +€499 | +0.2% |
| Current portion of amounts payable after more than one year | 42 | €52,720 | €53,096 | +€375 | +0.7% |
| Trade debts | 44 | €8,575 | €14,258 | +€5,683 | +66.3% |
| Suppliers | 440/4 | €8,575 | €14,258 | +€5,683 | +66.3% |
| Taxes, remuneration and social security | 45 | €37,471 | €17,914 | -€19,557 | -52.2% |
| Taxes | 450/3 | €18,939 | - | -€18,939 | |
| Remuneration and social security | 454/9 | €18,532 | €17,914 | -€618 | -3.3% |
| Other amounts payable | 47/48 | €134,002 | €148,000 | +€13,998 | +10.4% |
| Accrued charges and deferred income | 492/3 | €2,262 | - | -€2,262 | |
| Remuneration, social security and pensions | 62 | €142,899 | €146,410 | +€3,511 | +2.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €65,069 | €68,104 | +€3,035 | +4.7% |
| Other operating charges | 640/8 | €705 | €720 | +€14 | +2.0% |
| Gross operating margin | 9900 | €439,583 | €469,388 | +€29,804 | +6.8% |
| Operating profit (loss) | 9901 | €230,910 | €254,154 | +€23,243 | +10.1% |
| Financial income | 75/76B | €21 | €1,906 | +€1,885 | +8,849% |
| Recurring financial income | 75 | €21 | €1,906 | +€1,885 | +8,849% |
| Financial charges | 65/66B | €4,551 | €3,767 | -€784 | -17.2% |
| Recurring financial charges | 65 | €4,551 | €3,767 | -€784 | -17.2% |
| Profit (loss) for the period before taxes | 9903 | €226,380 | €252,293 | +€25,912 | +11.4% |
| Income taxes | 67/77 | €59,524 | €67,393 | +€7,869 | +13.2% |
| Profit (loss) for the period | 9904 | €166,856 | €184,900 | +€18,044 | +10.8% |
| Profit (loss) for the period to be appropriated | 9905 | €166,856 | €184,900 | +€18,044 | +10.8% |
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 2 November 2026 via checked.be.