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BeNice: what changed

What changed

BeNice

BE 0822.263.159
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Financial years compared with
Net result for the year
€76,575
2024 · €61,529+€15,046
Equity
-€470,431
2024 · -€547,006+€76,575
Cash
€40,362
2024 · €34,400+€5,962
Balance sheet total
€42,829
2024 · €45,349-€2,520

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets -€8,206

    down €8,206 (-77.4%), from €10,606 to €2,401

    of which Furniture and vehicles: -€7,746

  • Cash +€5,962

    up €5,962 (+17.3%), from €34,400 to €40,362

    mainly Net result for the year (+€76,575) and Investment in fixed assets (net) (+€5,891)

Equity and liabilities
  • Profit (loss) carried forward +€76,575

    up €76,575 (+7.1%), from -€1.1m to -€1.0m

  • Debts after one year -€41,294

    down €41,294 (-8.1%), from €511,778 to €470,484

    of which Other amounts payable: -€41,294

  • Other debts -€20,055

    down €20,055 (-67.2%), from €29,855 to €9,800

  • Tax, wage and social debts -€15,938

    down €15,938 (-32.6%), from €48,914 to €32,975

  • Trade debts -€1,807

    no longer reported in 2025 (was €1,807)

Income statement
  • Gross operating margin +€13,970

    up €13,970 (+14.9%), from €93,931 to €107,901

  • Depreciation -€3,918

    down €3,918 (-62.9%), from €6,233 to €2,315

  • Taxes +€2,763

    up €2,763 (+11.0%), from €25,130 to €27,893

Change in the result, 2024 to 2025

effect on the result

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 €61,529
Gross operating margin +€13,970
Depreciation +€3,918
Other operating charges -€29
Financial income -€37
Financial charges -€13
Taxes -€2,763
Result 2025 €76,575
raises the resultlowers the result

Derived cash bridge

cash 2024 to 2025

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 +€41,365
Investment +€5,891
Financing -€41,294
Cash 2024 €34,400
Net result for the year +€76,575
Depreciation +€2,315
Deferred charges and accrued income +€276
Trade debts -€1,807
Tax, wage and social debts -€15,938
Other debts -€20,055
Accrued charges and deferred income -€0
Investment in fixed assets (net) +€5,891
Debts after one year -€41,294
Cash 2025 €40,362
brings cash intakes cash out
Every line side by side 37 lines
Line Code 2024 2025 Change %
Total assets 20/58 €45,349 €42,829 -€2,520 -5.6%
Fixed assets 21/28 €10,606 €2,401 -€8,206 -77.4%
Tangible fixed assets 22/27 €10,606 €2,401 -€8,206 -77.4%
Furniture and vehicles 24 €9,523 €1,777 -€7,746 -81.3%
Other tangible fixed assets 26 €1,083 €624 -€460 -42.4%
Current assets 29/58 €34,743 €40,429 +€5,686 +16.4%
Cash at bank and in hand 54/58 €34,400 €40,362 +€5,962 +17.3%
Deferred charges and accrued income 490/1 €343 €67 -€276 -80.5%
Total equity and liabilities 10/49 €45,349 €42,829 -€2,520 -5.6%
Equity 10/15 -€547,006 -€470,431 +€76,575 +14.0%
Contributions 10/11 €520,000 €520,000 = 0.0%
Reserves 13 €17,481 €17,481 = 0.0%
Distributable reserves 133 €17,481 €17,481 = 0.0%
Profit (loss) carried forward 14 -€1,084,487 -€1,007,912 +€76,575 +7.1%
Amounts payable 17/49 €592,355 €513,260 -€79,094 -13.4%
Amounts payable after more than one year 17 €511,778 €470,484 -€41,294 -8.1%
Financial debts 170/4 €75,000 €75,000 = 0.0%
Other amounts payable 178/9 €436,778 €395,484 -€41,294 -9.5%
Amounts payable within one year 42/48 €80,576 €42,775 -€37,800 -46.9%
Trade debts 44 €1,807 - -€1,807
Suppliers 440/4 €1,807 - -€1,807
Taxes, remuneration and social security 45 €48,914 €32,975 -€15,938 -32.6%
Taxes 450/3 €48,914 €32,975 -€15,938 -32.6%
Other amounts payable 47/48 €29,855 €9,800 -€20,055 -67.2%
Accrued charges and deferred income 492/3 €1 €1 -€0 -28.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €6,233 €2,315 -€3,918 -62.9%
Other operating charges 640/8 €916 €945 +€29 +3.2%
Gross operating margin 9900 €93,931 €107,901 +€13,970 +14.9%
Operating profit (loss) 9901 €86,782 €104,641 +€17,858 +20.6%
Financial income 75/76B €42 €5 -€37 -87.4%
Recurring financial income 75 €42 €5 -€37 -87.4%
Financial charges 65/66B €166 €178 +€13 +7.7%
Recurring financial charges 65 €166 €178 +€13 +7.7%
Profit (loss) for the period before taxes 9903 €86,659 €104,468 +€17,809 +20.6%
Income taxes 67/77 €25,130 €27,893 +€2,763 +11.0%
Profit (loss) for the period 9904 €61,529 €76,575 +€15,046 +24.5%
Profit (loss) for the period to be appropriated 9905 €61,529 €76,575 +€15,046 +24.5%
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 7 November 2026 via checked.be.