BPO Conseils: what changed
What changed
BPO Conseils
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€120,830
31-12-2024 · €15,255+€105,575
Equity
€348,588
31-12-2024 · €227,758+€120,830
Cash
€48,668
31-12-2024 · €56,401-€7,733
Balance sheet total
€787,148
31-12-2024 · €701,750+€85,398
Largest movements
Assets
- Receivables within one year +€140,054
up €140,054 (+86.9%), from €161,153 to €301,207
of which Other amounts receivable: +€144,691
- Intangible fixed assets -€49,814
down €49,814 (-13.9%), from €358,577 to €308,763
- Deferred charges and accrued income +€21,013
up €21,013 (+358%), from €5,873 to €26,886
- Tangible fixed assets -€18,122
down €18,122 (-15.1%), from €119,746 to €101,624
of which Land and buildings: -€12,485
Equity and liabilities
- Reserves +€105,699
up €105,699 (+47.1%), from €224,289 to €329,988
of which Distributable reserves: +€107,559
- Debts after one year -€55,629
down €55,629 (-18.7%), from €297,370 to €241,741
- Tax, wage and social debts +€35,776
up €35,776 (+97.9%), from €36,548 to €72,324
of which Taxes: +€30,189
- Current portion of long-term debt -€21,333
down €21,333 (-25.6%), from €83,318 to €61,985
- Profit (loss) carried forward +€15,131
no longer reported in 2025 (was -€15,131)
Income statement
- Turnover -€492,844
no longer reported in 2025 (was €492,844)
- Gross operating margin +€144,702
up €144,702 (+79.5%), from €182,052 to €326,754
- Taxes +€51,238
up €51,238 (+196%), from €26,106 to €77,344
- Financial income +€7,707
up €7,707 (+128,444%), from €6 to €7,713
Change in the result, 31-12-2024 to 31-12-2025
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 31-12-2024
€15,255
Gross operating margin
+€144,702
Staff costs
-€489
Depreciation
+€1,247
Other operating charges
+€1,740
Financial income
+€7,707
Financial charges
+€1,906
Taxes
-€51,238
Result 31-12-2025
€120,830
raises the resultlowers the result
Derived cash bridge
The bridge is derived from the 31-12-2024 and 31-12-2025 balance sheets and the 31-12-2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€66,723
Investment
-€0
Financing
-€74,456
Cash 31-12-2024
€56,401
From operations (derived)
+€66,723
Net result for the year
+€120,830
Depreciation
+€67,936
Receivables within one year
-€140,054
Deferred charges and accrued income
-€21,013
Trade debts
+€3,248
Tax, wage and social debts
+€35,776
Investment (derived)
-€0
Investment in fixed assets (net)
-€0
Financing
-€74,456
Debts after one year
-€55,629
Current portion of long-term debt
-€21,333
Short-term financial debts
+€2,506
Contributions, distributions and other
+€0
Cash 31-12-2025
€48,668
brings cash intakes cash out
Every line side by side
| Line | Code | 31-12-2024 | 31-12-2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €701,750 | €787,148 | +€85,398 | +12.2% |
| Fixed assets | 21/28 | €478,323 | €410,387 | -€67,936 | -14.2% |
| Intangible fixed assets | 21 | €358,577 | €308,763 | -€49,814 | -13.9% |
| Tangible fixed assets | 22/27 | €119,746 | €101,624 | -€18,122 | -15.1% |
| Land and buildings | 22 | €106,676 | €94,191 | -€12,485 | -11.7% |
| Furniture and vehicles | 24 | €13,070 | €7,433 | -€5,637 | -43.1% |
| Current assets | 29/58 | €223,427 | €376,761 | +€153,334 | +68.6% |
| Amounts receivable within one year | 40/41 | €161,153 | €301,207 | +€140,054 | +86.9% |
| Trade receivables | 40 | €33,833 | €29,196 | -€4,637 | -13.7% |
| Other amounts receivable | 41 | €127,320 | €272,011 | +€144,691 | +114% |
| Cash at bank and in hand | 54/58 | €56,401 | €48,668 | -€7,733 | -13.7% |
| Deferred charges and accrued income | 490/1 | €5,873 | €26,886 | +€21,013 | +358% |
| Total equity and liabilities | 10/49 | €701,750 | €787,148 | +€85,398 | +12.2% |
| Equity | 10/15 | €227,758 | €348,588 | +€120,830 | +53.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €224,289 | €329,988 | +€105,699 | +47.1% |
| Non-distributable reserves | 130/1 | €1,860 | - | -€1,860 | |
| Reserves not available under the articles | 1311 | €1,860 | - | -€1,860 | |
| Distributable reserves | 133 | €222,429 | €329,988 | +€107,559 | +48.4% |
| Profit (loss) carried forward | 14 | -€15,131 | - | +€15,131 | |
| Provisions and deferred taxes | 16 | €50,000 | €50,000 | = | 0.0% |
| Provisions for liabilities and charges | 160/5 | €50,000 | €50,000 | = | 0.0% |
| Pensions and similar obligations | 160 | €50,000 | €50,000 | = | 0.0% |
| Amounts payable | 17/49 | €423,992 | €388,560 | -€35,432 | -8.4% |
| Amounts payable after more than one year | 17 | €297,370 | €241,741 | -€55,629 | -18.7% |
| Financial debts | 170/4 | €297,370 | €241,741 | -€55,629 | -18.7% |
| Amounts payable within one year | 42/48 | €126,622 | €146,819 | +€20,197 | +16.0% |
| Current portion of amounts payable after more than one year | 42 | €83,318 | €61,985 | -€21,333 | -25.6% |
| Financial debts | 43 | - | €2,506 | +€2,506 | |
| Credit institutions | 430/8 | - | €2,506 | +€2,506 | |
| Trade debts | 44 | €6,756 | €10,004 | +€3,248 | +48.1% |
| Suppliers | 440/4 | €6,756 | €10,004 | +€3,248 | +48.1% |
| Taxes, remuneration and social security | 45 | €36,548 | €72,324 | +€35,776 | +97.9% |
| Taxes | 450/3 | €30,002 | €60,191 | +€30,189 | +101% |
| Remuneration and social security | 454/9 | €6,546 | €12,133 | +€5,587 | +85.3% |
| Turnover | 70 | €492,844 | - | -€492,844 | |
| Non-recurring operating income | 76A | €29,753 | - | -€29,753 | |
| Remuneration, social security and pensions | 62 | €56,892 | €57,381 | +€489 | +0.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €69,183 | €67,936 | -€1,247 | -1.8% |
| Other operating charges | 640/8 | €3,365 | €1,625 | -€1,740 | -51.7% |
| Gross operating margin | 9900 | €182,052 | €326,754 | +€144,702 | +79.5% |
| Operating profit (loss) | 9901 | €52,612 | €199,813 | +€147,201 | +280% |
| Financial income | 75/76B | €6 | €7,713 | +€7,707 | +128,444% |
| Recurring financial income | 75 | €6 | €7,713 | +€7,707 | +128,444% |
| Financial charges | 65/66B | €11,257 | €9,351 | -€1,906 | -16.9% |
| Recurring financial charges | 65 | €11,257 | €9,351 | -€1,906 | -16.9% |
| Profit (loss) for the period before taxes | 9903 | €41,361 | €198,174 | +€156,813 | +379% |
| Income taxes | 67/77 | €26,106 | €77,344 | +€51,238 | +196% |
| Profit (loss) for the period | 9904 | €15,255 | €120,830 | +€105,575 | +692% |
| Profit (loss) for the period to be appropriated | 9905 | €15,255 | €120,830 | +€105,575 | +692% |
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 8 November 2026 via checked.be.