BeMo 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.
BeMo Verzekeringen
Largest movements
- Intangible fixed assets +€695,934
new in 2025: €695,934
- Cash +€103,443
up €103,443 (+187%), from €55,206 to €158,649
mainly Debts after one year (+€714,861) and Net result for the year (+€77,821)
- Tangible fixed assets +€28,087
up €28,087 (+123%), from €22,876 to €50,963
of which Plant, machinery and equipment: +€37,731
- Receivables within one year +€17,945
up €17,945 (+25.7%), from €69,712 to €87,657
of which Trade receivables: +€14,253
- Debts after one year +€714,861
new in 2025: €714,861
- Current portion of long-term debt +€39,463
new in 2025: €39,463
- Tax, wage and social debts +€32,430
up €32,430 (+104%), from €31,126 to €63,556
of which Remuneration and social security: +€32,431
- Other debts +€30,001
up €30,001 (+100%), from €29,999 to €60,000
- Reserves +€17,821
up €17,821 (+89.4%), from €19,940 to €37,761
- Gross operating margin +€174,087
up €174,087 (+44.6%), from €390,706 to €564,793
- Staff costs +€78,246
up €78,246 (+23.7%), from €330,465 to €408,711
- Depreciation +€22,534
up €22,534 (+129%), from €17,445 to €39,979
- Taxes +€17,955
up €17,955 (+133%), from €13,477 to €31,432
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €151,429 | €997,186 | +€845,757 | +559% |
| Fixed assets | 21/28 | €23,026 | €747,047 | +€724,021 | +3,144% |
| Intangible fixed assets | 21 | - | €695,934 | +€695,934 | |
| Tangible fixed assets | 22/27 | €22,876 | €50,963 | +€28,087 | +123% |
| Land and buildings | 22 | €1,601 | - | -€1,601 | |
| Plant, machinery and equipment | 23 | €7,259 | €44,990 | +€37,731 | +520% |
| Furniture and vehicles | 24 | €14,016 | €5,973 | -€8,043 | -57.4% |
| Financial fixed assets | 28 | €150 | €150 | = | 0.0% |
| Current assets | 29/58 | €128,403 | €250,139 | +€121,736 | +94.8% |
| Amounts receivable within one year | 40/41 | €69,712 | €87,657 | +€17,945 | +25.7% |
| Trade receivables | 40 | €68,002 | €82,255 | +€14,253 | +21.0% |
| Other amounts receivable | 41 | €1,710 | €5,402 | +€3,692 | +216% |
| Cash at bank and in hand | 54/58 | €55,206 | €158,649 | +€103,443 | +187% |
| Deferred charges and accrued income | 490/1 | €3,485 | €3,833 | +€348 | +10.0% |
| Total equity and liabilities | 10/49 | €151,429 | €997,186 | +€845,757 | +559% |
| Equity | 10/15 | €43,974 | €61,795 | +€17,821 | +40.5% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €19,940 | €37,761 | +€17,821 | +89.4% |
| Distributable reserves | 133 | €19,940 | €37,761 | +€17,821 | +89.4% |
| Profit (loss) carried forward | 14 | €5,434 | €5,434 | = | 0.0% |
| Amounts payable | 17/49 | €107,455 | €935,391 | +€827,936 | +770% |
| Amounts payable after more than one year | 17 | - | €714,861 | +€714,861 | |
| Financial debts | 170/4 | - | €714,861 | +€714,861 | |
| Amounts payable within one year | 42/48 | €99,351 | €206,758 | +€107,407 | +108% |
| Current portion of amounts payable after more than one year | 42 | - | €39,463 | +€39,463 | |
| Trade debts | 44 | €38,226 | €43,739 | +€5,513 | +14.4% |
| Suppliers | 440/4 | €38,226 | €43,739 | +€5,513 | +14.4% |
| Taxes, remuneration and social security | 45 | €31,126 | €63,556 | +€32,430 | +104% |
| Taxes | 450/3 | €1 | - | -€1 | |
| Remuneration and social security | 454/9 | €31,125 | €63,556 | +€32,431 | +104% |
| Other amounts payable | 47/48 | €29,999 | €60,000 | +€30,001 | +100% |
| Accrued charges and deferred income | 492/3 | €8,104 | €13,772 | +€5,667 | +69.9% |
| Remuneration, social security and pensions | 62 | €330,465 | €408,711 | +€78,246 | +23.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €17,445 | €39,979 | +€22,534 | +129% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €207 | - | -€207 | |
| Other operating charges | 640/8 | €261 | €3,617 | +€3,356 | +1,285% |
| Gross operating margin | 9900 | €390,706 | €564,793 | +€174,087 | +44.6% |
| Operating profit (loss) | 9901 | €42,328 | €112,486 | +€70,158 | +166% |
| Financial income | 75/76B | €646 | €417 | -€229 | -35.5% |
| Recurring financial income | 75 | €646 | €417 | -€229 | -35.5% |
| Financial charges | 65/66B | €220 | €3,649 | +€3,429 | +1,558% |
| Recurring financial charges | 65 | €220 | €3,649 | +€3,429 | +1,558% |
| Profit (loss) for the period before taxes | 9903 | €42,754 | €109,253 | +€66,499 | +156% |
| Income taxes | 67/77 | €13,477 | €31,432 | +€17,955 | +133% |
| Profit (loss) for the period | 9904 | €29,277 | €77,821 | +€48,544 | +166% |
| Profit (loss) for the period to be appropriated | 9905 | €29,277 | €77,821 | +€48,544 | +166% |
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 17 October 2026 via checked.be.