ANTHONIS-VERZEKERINGEN: what changed
Two financial 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
ANTHONIS-VERZEKERINGEN
NACE 66.220, Insurance agents and brokers
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€522,853
2024 · €444,703+€78,150
Equity
€640,744
2024 · €637,890+€2,853
Cash
€143,002
2024 · €511,957-€368,955
Balance sheet total
€3.7m
2024 · €3.9m-€177,918
Largest movements
Assets
- Cash -€368,955
down €368,955 (-72.1%), from €511,957 to €143,002
mainly Advances received (-€559,852) and Contributions, distributions and other (-€520,000)
- Receivables within one year +€185,591
up €185,591 (+5.9%), from €3.1m to €3.3m
of which Trade receivables: +€146,836
Equity and liabilities
- Advances received -€559,852
no longer reported in 2025 (was €559,852)
- Trade debts +€456,815
up €456,815 (+24.5%), from €1.9m to €2.3m
- Short-term financial debts -€170,500
no longer reported in 2025 (was €170,500)
- Other debts +€80,000
up €80,000 (+18.2%), from €440,000 to €520,000
- Accrued charges and deferred income +€45,601
up €45,601 (+3,016%), from €1,512 to €47,113
Income statement
- Gross operating margin +€64,507
up €64,507 (+4.2%), from €1.5m to €1.6m
- Financial income +€40,140
up €40,140 (+47.6%), from €84,411 to €124,551
of which Financial income: +€40,627
- Taxes +€38,316
up €38,316 (+21.2%), from €180,827 to €219,143
From the 2024 result to the 2025 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
€444,703
Gross operating margin
+€64,507
Staff costs
-€2,426
Depreciation
+€839
Other operating charges
+€358
Other operating items
+€8,054
Financial income
+€40,140
Financial charges
+€4,994
Taxes
-€38,316
Result 2025
€522,853
raises the resultlowers the resultnot broken down further in the accounts
Derived cash bridge
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
+€355,358
Investment
-€14,845
Financing
-€709,468
Cash 2024
€511,957
From operations (derived)
+€355,358
Net result for the year
+€522,853
Depreciation
+€34,628
Receivables after one year
-€10,544
Receivables within one year
-€185,591
Deferred charges and accrued income
-€14,685
Trade debts
+€456,815
Tax, wage and social debts
-€13,867
Advances received
-€559,852
Other debts
+€80,000
Accrued charges and deferred income
+€45,601
Investment (derived)
-€14,845
Investment in fixed assets (net)
-€14,845
Financing
-€709,468
Debts after one year
-€19,670
Current portion of long-term debt
+€702
Short-term financial debts
-€170,500
Contributions, distributions and other
-€520,000
Cash 2025
€143,002
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €3,914,645 | €3,736,727 | -€177,918 | -4.5% |
| Fixed assets | 21/28 | €168,388 | €148,605 | -€19,782 | -11.7% |
| Tangible fixed assets | 22/27 | €158,129 | €138,346 | -€19,782 | -12.5% |
| Plant, machinery and equipment | 23 | €4,452 | €11,751 | +€7,299 | +164% |
| Furniture and vehicles | 24 | €120,876 | €93,795 | -€27,081 | -22.4% |
| Other tangible fixed assets | 26 | €32,800 | €32,800 | = | 0.0% |
| Financial fixed assets | 28 | €10,259 | €10,259 | = | 0.0% |
| Current assets | 29/58 | €3,746,257 | €3,588,121 | -€158,135 | -4.2% |
| Amounts receivable after more than one year | 29 | €100,298 | €110,842 | +€10,544 | +10.5% |
| Other amounts receivable | 291 | €100,298 | €110,842 | +€10,544 | +10.5% |
| Amounts receivable within one year | 40/41 | €3,129,451 | €3,315,041 | +€185,591 | +5.9% |
| Trade receivables | 40 | €152,467 | €299,302 | +€146,836 | +96.3% |
| Other amounts receivable | 41 | €2,976,984 | €3,015,739 | +€38,755 | +1.3% |
| Cash at bank and in hand | 54/58 | €511,957 | €143,002 | -€368,955 | -72.1% |
| Deferred charges and accrued income | 490/1 | €4,552 | €19,237 | +€14,685 | +323% |
| Total equity and liabilities | 10/49 | €3,914,645 | €3,736,727 | -€177,918 | -4.5% |
| Equity | 10/15 | €637,890 | €640,744 | +€2,853 | +0.4% |
| Contributions | 10/11 | €80,592 | €80,592 | = | 0.0% |
| Capital | 10 | €80,592 | €80,592 | = | 0.0% |
| Issued capital | 100 | €80,592 | €80,592 | = | 0.0% |
| Reserves | 13 | €557,298 | €560,152 | +€2,853 | +0.5% |
| Non-distributable reserves | 130/1 | €8,059 | €8,059 | = | 0.0% |
| Legal reserve | 130 | €8,059 | €8,059 | = | 0.0% |
| Distributable reserves | 133 | €549,239 | €552,093 | +€2,853 | +0.5% |
| Amounts payable | 17/49 | €3,276,754 | €3,095,983 | -€180,771 | -5.5% |
| Amounts payable after more than one year | 17 | €36,976 | €17,306 | -€19,670 | -53.2% |
| Financial debts | 170/4 | €36,616 | €16,947 | -€19,670 | -53.7% |
| Other amounts payable | 178/9 | €359 | €359 | = | 0.0% |
| Amounts payable within one year | 42/48 | €3,238,266 | €3,031,564 | -€206,702 | -6.4% |
| Current portion of amounts payable after more than one year | 42 | €18,968 | €19,670 | +€702 | +3.7% |
| Financial debts | 43 | €170,500 | - | -€170,500 | |
| Credit institutions | 430/8 | €170,500 | - | -€170,500 | |
| Trade debts | 44 | €1,867,501 | €2,324,315 | +€456,815 | +24.5% |
| Suppliers | 440/4 | €1,867,501 | €2,324,315 | +€456,815 | +24.5% |
| Advances received on contracts in progress | 46 | €559,852 | - | -€559,852 | |
| Taxes, remuneration and social security | 45 | €181,446 | €167,579 | -€13,867 | -7.6% |
| Taxes | 450/3 | €89,097 | €69,158 | -€19,939 | -22.4% |
| Remuneration and social security | 454/9 | €92,349 | €98,421 | +€6,072 | +6.6% |
| Other amounts payable | 47/48 | €440,000 | €520,000 | +€80,000 | +18.2% |
| Accrued charges and deferred income | 492/3 | €1,512 | €47,113 | +€45,601 | +3,016% |
| Non-recurring operating income | 76A | - | €1,687 | +€1,687 | |
| Remuneration, social security and pensions | 62 | €923,409 | €925,835 | +€2,426 | +0.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €35,466 | €34,628 | -€839 | -2.4% |
| Other operating charges | 640/8 | €2,963 | €2,605 | -€358 | -12.1% |
| Non-recurring operating charges | 66A | €8,397 | €343 | -€8,054 | -95.9% |
| Gross operating margin | 9900 | €1,528,363 | €1,592,869 | +€64,507 | +4.2% |
| Operating profit (loss) | 9901 | €558,127 | €629,459 | +€71,333 | +12.8% |
| Financial income | 75/76B | €84,411 | €124,551 | +€40,140 | +47.6% |
| Recurring financial income | 75 | €83,924 | €124,551 | +€40,627 | +48.4% |
| Non-recurring financial income | 76B | €487 | - | -€487 | |
| Financial charges | 65/66B | €17,007 | €12,013 | -€4,994 | -29.4% |
| Recurring financial charges | 65 | €17,007 | €12,013 | -€4,994 | -29.4% |
| Profit (loss) for the period before taxes | 9903 | €625,530 | €741,996 | +€116,466 | +18.6% |
| Income taxes | 67/77 | €180,827 | €219,143 | +€38,316 | +21.2% |
| Profit (loss) for the period | 9904 | €444,703 | €522,853 | +€78,150 | +17.6% |
| Profit (loss) for the period to be appropriated | 9905 | €444,703 | €522,853 | +€78,150 | +17.6% |
Source: filed annual accounts (NBB), financial 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 October 2026 via checked.be.