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BROKER +: what changed

Two fiscal 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

BROKER +

BE 0719.899.554
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€76,476
2024 · €81,158-€4,682
Equity
€580,750
2024 · €522,274+€58,476
Cash
€385,940
2024 · €473,916-€87,976
Balance sheet total
€1.2m
2024 · €915,206+€262,470

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets +€317,540

    up €317,540 (+142.9%), from €222,162 to €539,702

    of which Land and buildings: +€334,458

  • Cash -€87,976

    down €87,976 (-18.6%), from €473,916 to €385,940

    mainly Investment in fixed assets (net) (-€352,624) and Tax, wage and social debts (-€51,099)

  • Receivables within one year +€19,999

    up €19,999 (+95.9%), from €20,846 to €40,845

  • Deferred charges and accrued income +€12,755

    up €12,755 (+61.5%), from €20,739 to €33,494

Equity and liabilities
  • Debts after one year +€201,200

    up €201,200 (+105.3%), from €190,986 to €392,186

  • Reserves +€58,476

    up €58,476 (+11.3%), from €516,074 to €574,550

  • Tax, wage and social debts -€51,099

    down €51,099 (-91.1%), from €56,082 to €4,983

    of which Taxes: -€53,382

  • Current portion of long-term debt +€31,144

    up €31,144 (+129.2%), from €24,110 to €55,254

  • Provisions +€24,889

    up €24,889 (+22.4%), from €111,189 to €136,078

Income statement
  • Gross operating margin +€18,340

    up €18,340 (+15.9%), from €115,210 to €133,550

  • Financial income -€11,572

    down €11,572 (-20.8%), from €55,562 to €43,990

  • Staff costs +€6,739

    new in 2025: €6,739

  • Depreciation +€4,691

    up €4,691 (+15.5%), from €30,241 to €34,932

  • Financial charges +€3,170

    up €3,170 (+98.4%), from €3,221 to €6,391

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 €81,158
Gross operating margin +€18,340
Staff costs -€6,739
Depreciation -€4,691
Other operating charges +€250
Other operating items +€3,107
Financial income -€11,572
Financial charges -€3,170
Taxes -€207
Result 2025 €76,476

Cash bridge derived

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 +€50,304
Investment -€352,624
Financing +€214,344
Cash 2024 €473,916
Net result for the year +€76,476
Depreciation +€34,932
Receivables within one year -€19,999
Deferred charges and accrued income -€12,755
Provisions +€24,889
Trade debts -€2,140
Tax, wage and social debts -€51,099
Investment in fixed assets (net) -€352,624
Debts after one year +€201,200
Current portion of long-term debt +€31,144
Contributions, distributions and other -€18,000
Cash 2025 €385,940
Every line side by side 44 lines
Line Code 2024 2025 Change %
Total assets 20/58 €915,206 €1,177,676 +€262,470 +28.7%
Fixed assets 21/28 €399,705 €717,397 +€317,692 +79.5%
Tangible fixed assets 22/27 €222,162 €539,702 +€317,540 +142.9%
Land and buildings 22 €189,469 €523,927 +€334,458 +176.5%
Plant, machinery and equipment 23 €8,407 €7,403 -€1,004 -11.9%
Furniture and vehicles 24 €24,286 €8,372 -€15,914 -65.5%
Financial fixed assets 28 €177,543 €177,695 +€152 +0.1%
Current assets 29/58 €515,501 €460,279 -€55,222 -10.7%
Amounts receivable within one year 40/41 €20,846 €40,845 +€19,999 +95.9%
Other amounts receivable 41 €20,846 €40,845 +€19,999 +95.9%
Cash at bank and in hand 54/58 €473,916 €385,940 -€87,976 -18.6%
Deferred charges and accrued income 490/1 €20,739 €33,494 +€12,755 +61.5%
Total equity and liabilities 10/49 €915,206 €1,177,676 +€262,470 +28.7%
Equity 10/15 €522,274 €580,750 +€58,476 +11.2%
Contributions 10/11 €6,200 €6,200 = 0.0%
Reserves 13 €516,074 €574,550 +€58,476 +11.3%
Distributable reserves 133 €516,074 €574,550 +€58,476 +11.3%
Provisions and deferred taxes 16 €111,189 €136,078 +€24,889 +22.4%
Provisions for liabilities and charges 160/5 €111,189 €136,078 +€24,889 +22.4%
Other liabilities and charges 164/5 €111,189 €136,078 +€24,889 +22.4%
Amounts payable 17/49 €281,743 €460,848 +€179,105 +63.6%
Amounts payable after more than one year 17 €190,986 €392,186 +€201,200 +105.3%
Financial debts 170/4 €190,986 €392,186 +€201,200 +105.3%
Amounts payable within one year 42/48 €90,757 €68,662 -€22,095 -24.3%
Current portion of amounts payable after more than one year 42 €24,110 €55,254 +€31,144 +129.2%
Trade debts 44 €10,565 €8,425 -€2,140 -20.3%
Suppliers 440/4 €10,565 €8,425 -€2,140 -20.3%
Taxes, remuneration and social security 45 €56,082 €4,983 -€51,099 -91.1%
Taxes 450/3 €56,082 €2,700 -€53,382 -95.2%
Remuneration and social security 454/9 - €2,283 +€2,283
Remuneration, social security and pensions 62 - €6,739 +€6,739
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €30,241 €34,932 +€4,691 +15.5%
Other operating charges 640/8 €4,879 €4,629 -€250 -5.1%
Non-recurring operating charges 66A €27,996 €24,889 -€3,107 -11.1%
Gross operating margin 9900 €115,210 €133,550 +€18,340 +15.9%
Operating profit (loss) 9901 €52,094 €62,361 +€10,267 +19.7%
Financial income 75/76B €55,562 €43,990 -€11,572 -20.8%
Recurring financial income 75 €55,562 €43,990 -€11,572 -20.8%
Financial charges 65/66B €3,221 €6,391 +€3,170 +98.4%
Recurring financial charges 65 €3,221 €6,391 +€3,170 +98.4%
Profit (loss) for the period before taxes 9903 €104,435 €99,960 -€4,475 -4.3%
Income taxes 67/77 €23,277 €23,484 +€207 +0.9%
Profit (loss) for the period 9904 €81,158 €76,476 -€4,682 -5.8%
Profit (loss) for the period to be appropriated 9905 €81,158 €76,476 -€4,682 -5.8%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 28 September 2026 via checked.be.