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BONDI: 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

BONDI

BE 0745.950.784
NACE 66.220, Insurance agents and brokers
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
-€79,986
2024 · -€92,686+€12,700
Equity
€23,864
2024 · €103,850-€79,986
Cash
€18,887
2024 · €94,902-€76,015
Balance sheet total
€55,921
2024 · €144,537-€88,616

Largest movements

2024 to 2025
Assets
  • Cash -€76,015

    down €76,015 (-80.1%), from €94,902 to €18,887

    mainly Net result for the year (-€79,986) and Current portion of long-term debt (-€9,591)

  • Receivables within one year -€12,575

    down €12,575 (-30.0%), from €41,867 to €29,293

    of which Other amounts receivable: -€12,480

  • Tangible fixed assets -€3,472

    down €3,472 (-48.3%), from €7,183 to €3,712

  • Deferred charges and accrued income +€3,446

    up €3,446 (+590%), from €584 to €4,030

Equity and liabilities
  • Profit (loss) carried forward -€79,986

    down €79,986 (-78.5%), from €101,850 to €21,864

  • Current portion of long-term debt -€9,591

    down €9,591 (-27.7%), from €34,591 to €25,000

  • Trade debts +€2,785

    up €2,785 (+71.0%), from €3,921 to €6,706

  • Tax, wage and social debts -€1,824

    down €1,824 (-83.9%), from €2,174 to €351

Income statement
  • Gross operating margin +€11,128

    up €11,128 (+12.7%), from -€87,348 to -€76,220

  • Financial income +€1,831

    new in 2025: €1,831

From the 2024 result to the 2025 result

effect on the 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 -€92,686
Gross operating margin +€11,128
Depreciation -€465
Other operating charges +€137
Financial income +€1,831
Financial charges +€71
Taxes -€2
Result 2025 -€79,986
raises the resultlowers the result

Derived cash bridge

cash 2024 to 2025

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 -€66,424
Investment €0
Financing -€9,591
Cash 2024 €94,902
Net result for the year -€79,986
Depreciation +€3,472
Receivables within one year +€12,575
Deferred charges and accrued income -€3,446
Trade debts +€2,785
Tax, wage and social debts -€1,824
Current portion of long-term debt -€9,591
Cash 2025 €18,887
brings cash intakes cash out
Every line side by side 33 lines
Line Code 2024 2025 Change %
Total assets 20/58 €144,537 €55,921 -€88,616 -61.3%
Fixed assets 21/28 €7,183 €3,712 -€3,472 -48.3%
Tangible fixed assets 22/27 €7,183 €3,712 -€3,472 -48.3%
Furniture and vehicles 24 €7,183 €3,712 -€3,472 -48.3%
Current assets 29/58 €137,353 €52,209 -€85,144 -62.0%
Amounts receivable within one year 40/41 €41,867 €29,293 -€12,575 -30.0%
Trade receivables 40 €1,843 €1,749 -€94 -5.1%
Other amounts receivable 41 €40,024 €27,543 -€12,480 -31.2%
Cash at bank and in hand 54/58 €94,902 €18,887 -€76,015 -80.1%
Deferred charges and accrued income 490/1 €584 €4,030 +€3,446 +590%
Total equity and liabilities 10/49 €144,537 €55,921 -€88,616 -61.3%
Equity 10/15 €103,850 €23,864 -€79,986 -77.0%
Contributions 10/11 €2,000 €2,000 = 0.0%
Profit (loss) carried forward 14 €101,850 €21,864 -€79,986 -78.5%
Amounts payable 17/49 €40,686 €32,057 -€8,630 -21.2%
Amounts payable within one year 42/48 €40,686 €32,057 -€8,630 -21.2%
Current portion of amounts payable after more than one year 42 €34,591 €25,000 -€9,591 -27.7%
Trade debts 44 €3,921 €6,706 +€2,785 +71.0%
Suppliers 440/4 €3,921 €6,706 +€2,785 +71.0%
Taxes, remuneration and social security 45 €2,174 €351 -€1,824 -83.9%
Taxes 450/3 €2,174 €351 -€1,824 -83.9%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €3,007 €3,472 +€465 +15.5%
Other operating charges 640/8 €944 €807 -€137 -14.6%
Gross operating margin 9900 -€87,348 -€76,220 +€11,128 +12.7%
Operating profit (loss) 9901 -€91,299 -€80,499 +€10,800 +11.8%
Financial income 75/76B - €1,831 +€1,831
Recurring financial income 75 - €1,831 +€1,831
Financial charges 65/66B €1,213 €1,141 -€71 -5.9%
Recurring financial charges 65 €1,213 €1,141 -€71 -5.9%
Profit (loss) for the period before taxes 9903 -€92,512 -€79,810 +€12,702 +13.7%
Income taxes 67/77 €174 €176 +€2 +1.0%
Profit (loss) for the period 9904 -€92,686 -€79,986 +€12,700 +13.7%
Profit (loss) for the period to be appropriated 9905 -€92,686 -€79,986 +€12,700 +13.7%

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 21 October 2026 via checked.be.