Assurances Zébière: what changed
What changed
Assurances Zébière
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€29,397
2024 · €88,160-€58,763
Equity
€360,248
2024 · €360,248
Cash
€29,519
2024 · €30,844-€1,324
Balance sheet total
€443,419
2024 · €457,533-€14,114
Largest movements
Assets
- Receivables within one year -€38,745
down €38,745 (-31.7%), from €122,096 to €83,351
of which Other amounts receivable: -€28,141
- Deferred charges and accrued income +€21,356
up €21,356 (+209%), from €10,229 to €31,585
- Current investments +€11,187
up €11,187 (+4.6%), from €242,706 to €253,893
- Tangible fixed assets -€6,589
down €6,589 (-12.9%), from €51,273 to €44,684
of which Plant, machinery and equipment: -€7,872
Equity and liabilities
- Trade debts -€25,390
down €25,390 (-78.7%), from €32,272 to €6,882
- Tax, wage and social debts +€8,240
up €8,240 (+9,155%), from €90 to €8,330
Income statement
- Gross operating margin -€63,598
down €63,598 (-48.1%), from €132,342 to €68,743
- Taxes -€16,393
down €16,393 (-50.0%), from €32,807 to €16,414
- Depreciation +€8,592
up €8,592 (+73.2%), from €11,745 to €20,337
- Other operating charges +€3,282
up €3,282 (+136%), from €2,408 to €5,690
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
€88,160
Gross operating margin
-€63,598
Staff costs
+€175
Depreciation
-€8,592
Other operating charges
-€3,282
Financial income
+€405
Financial charges
-€263
Taxes
+€16,393
Result 2025
€29,397
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
+€53,008
Investment
-€24,935
Financing
-€29,397
Cash 2024
€30,844
From operations (derived)
+€53,008
Net result for the year
+€29,397
Depreciation
+€20,337
Receivables within one year
+€38,745
Deferred charges and accrued income
-€21,356
Trade debts
-€25,390
Tax, wage and social debts
+€8,240
Other debts
+€3,035
Investment (derived)
-€24,935
Investment in fixed assets (net)
-€13,748
Current investments
-€11,187
Financing
-€29,397
Contributions, distributions and other
-€29,397
Cash 2025
€29,519
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €457,533 | €443,419 | -€14,114 | -3.1% |
| Fixed assets | 21/28 | €51,658 | €45,069 | -€6,589 | -12.8% |
| Tangible fixed assets | 22/27 | €51,273 | €44,684 | -€6,589 | -12.9% |
| Plant, machinery and equipment | 23 | €32,152 | €24,281 | -€7,872 | -24.5% |
| Furniture and vehicles | 24 | €9,989 | €3,689 | -€6,300 | -63.1% |
| Other tangible fixed assets | 26 | €9,132 | €16,715 | +€7,583 | +83.0% |
| Financial fixed assets | 28 | €385 | €385 | = | 0.0% |
| Current assets | 29/58 | €405,875 | €398,349 | -€7,526 | -1.9% |
| Amounts receivable within one year | 40/41 | €122,096 | €83,351 | -€38,745 | -31.7% |
| Trade receivables | 40 | €53,732 | €43,129 | -€10,604 | -19.7% |
| Other amounts receivable | 41 | €68,364 | €40,223 | -€28,141 | -41.2% |
| Current investments | 50/53 | €242,706 | €253,893 | +€11,187 | +4.6% |
| Cash at bank and in hand | 54/58 | €30,844 | €29,519 | -€1,324 | -4.3% |
| Deferred charges and accrued income | 490/1 | €10,229 | €31,585 | +€21,356 | +209% |
| Total equity and liabilities | 10/49 | €457,533 | €443,419 | -€14,114 | -3.1% |
| Equity | 10/15 | €360,248 | €360,248 | = | 0.0% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €354,048 | €354,048 | = | 0.0% |
| Tax-exempt reserves | 132 | €324 | €324 | = | 0.0% |
| Distributable reserves | 133 | €353,724 | €353,724 | = | 0.0% |
| Amounts payable | 17/49 | €97,285 | €83,170 | -€14,114 | -14.5% |
| Amounts payable within one year | 42/48 | €97,285 | €83,170 | -€14,114 | -14.5% |
| Trade debts | 44 | €32,272 | €6,882 | -€25,390 | -78.7% |
| Suppliers | 440/4 | €32,272 | €6,882 | -€25,390 | -78.7% |
| Taxes, remuneration and social security | 45 | €90 | €8,330 | +€8,240 | +9,155% |
| Taxes | 450/3 | €90 | €8,330 | +€8,240 | +9,155% |
| Other amounts payable | 47/48 | €64,923 | €67,958 | +€3,035 | +4.7% |
| Remuneration, social security and pensions | 62 | €175 | - | -€175 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €11,745 | €20,337 | +€8,592 | +73.2% |
| Other operating charges | 640/8 | €2,408 | €5,690 | +€3,282 | +136% |
| Gross operating margin | 9900 | €132,342 | €68,743 | -€63,598 | -48.1% |
| Operating profit (loss) | 9901 | €118,014 | €42,717 | -€75,298 | -63.8% |
| Financial income | 75/76B | €3,227 | €3,632 | +€405 | +12.6% |
| Recurring financial income | 75 | €3,227 | €3,632 | +€405 | +12.6% |
| Financial charges | 65/66B | €275 | €538 | +€263 | +95.8% |
| Recurring financial charges | 65 | €275 | €538 | +€263 | +95.8% |
| Profit (loss) for the period before taxes | 9903 | €120,967 | €45,811 | -€75,156 | -62.1% |
| Income taxes | 67/77 | €32,807 | €16,414 | -€16,393 | -50.0% |
| Profit (loss) for the period | 9904 | €88,160 | €29,397 | -€58,763 | -66.7% |
| Profit (loss) for the period to be appropriated | 9905 | €88,160 | €29,397 | -€58,763 | -66.7% |
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 2 November 2026 via checked.be.