BUREAU ASSURANCES SERVICES: what changed
What changed
BUREAU ASSURANCES SERVICES
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€159,929
2024 · €123,913+€36,016
Equity
€70,994
2024 · €71,065-€71
Cash
€174,288
2024 · €141,460+€32,827
Balance sheet total
€275,323
2024 · €219,110+€56,213
Largest movements
Assets
- Tangible fixed assets +€40,689
up €40,689 (+955%), from €4,261 to €44,950
of which Furniture and vehicles: +€40,689
- Cash +€32,827
up €32,827 (+23.2%), from €141,460 to €174,288
mainly Net result for the year (+€159,929) and Other debts (+€34,286)
- Receivables within one year -€18,535
down €18,535 (-25.3%), from €73,388 to €54,853
of which Other amounts receivable: -€13,359
Equity and liabilities
- Other debts +€34,286
up €34,286 (+27.3%), from €125,714 to €160,000
- Tax, wage and social debts +€24,698
up €24,698 (+239%), from €10,323 to €35,021
of which Taxes: +€23,031
Income statement
- Gross operating margin +€56,794
up €56,794 (+25.6%), from €222,153 to €278,947
- Taxes +€11,884
up €11,884 (+30.1%), from €39,476 to €51,361
- Depreciation +€9,728
up €9,728 (+534%), from €1,823 to €11,552
Change in the result, 2024 to 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 2024
€123,913
Gross operating margin
+€56,794
Staff costs
-€1,788
Depreciation
-€9,728
Other operating charges
+€1,302
Financial income
+€828
Financial charges
+€493
Taxes
-€11,884
Result 2025
€159,929
raises the resultlowers the result
Derived cash bridge
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
+€245,067
Investment
-€52,240
Financing
-€160,000
Cash 2024
€141,460
From operations (derived)
+€245,067
Net result for the year
+€159,929
Depreciation
+€11,552
Receivables within one year
+€18,535
Deferred charges and accrued income
-€1,232
Trade debts
-€2,699
Tax, wage and social debts
+€24,698
Other debts
+€34,286
Investment (derived)
-€52,240
Investment in fixed assets (net)
-€52,240
Financing
-€160,000
Contributions, distributions and other
-€160,000
Cash 2025
€174,288
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €219,110 | €275,323 | +€56,213 | +25.7% |
| Fixed assets | 21/28 | €4,261 | €44,950 | +€40,689 | +955% |
| Intangible fixed assets | 21 | €0 | €0 | = | |
| Tangible fixed assets | 22/27 | €4,261 | €44,950 | +€40,689 | +955% |
| Furniture and vehicles | 24 | €2,851 | €43,540 | +€40,689 | +1,427% |
| Other tangible fixed assets | 26 | €1,410 | €1,410 | = | 0.0% |
| Current assets | 29/58 | €214,849 | €230,373 | +€15,525 | +7.2% |
| Amounts receivable within one year | 40/41 | €73,388 | €54,853 | -€18,535 | -25.3% |
| Trade receivables | 40 | €60,029 | €54,853 | -€5,176 | -8.6% |
| Other amounts receivable | 41 | €13,359 | €0 | -€13,359 | -100% |
| Cash at bank and in hand | 54/58 | €141,460 | €174,288 | +€32,827 | +23.2% |
| Deferred charges and accrued income | 490/1 | €0 | €1,232 | +€1,232 | |
| Total equity and liabilities | 10/49 | €219,110 | €275,323 | +€56,213 | +25.7% |
| Equity | 10/15 | €71,065 | €70,994 | -€71 | -0.1% |
| Contributions | 10/11 | €62,000 | €62,000 | = | 0.0% |
| Capital | 10 | €62,000 | €62,000 | = | 0.0% |
| Issued capital | 100 | €62,000 | €62,000 | = | 0.0% |
| Reserves | 13 | €6,200 | €6,200 | = | 0.0% |
| Non-distributable reserves | 130/1 | €6,200 | €6,200 | = | 0.0% |
| Legal reserve | 130 | €6,200 | €6,200 | = | 0.0% |
| Profit (loss) carried forward | 14 | €2,865 | €2,794 | -€71 | -2.5% |
| Amounts payable | 17/49 | €148,044 | €204,329 | +€56,284 | +38.0% |
| Amounts payable within one year | 42/48 | €148,044 | €204,329 | +€56,284 | +38.0% |
| Trade debts | 44 | €12,007 | €9,308 | -€2,699 | -22.5% |
| Suppliers | 440/4 | €12,007 | €9,308 | -€2,699 | -22.5% |
| Bills of exchange payable | 441 | €0 | €0 | = | |
| Taxes, remuneration and social security | 45 | €10,323 | €35,021 | +€24,698 | +239% |
| Taxes | 450/3 | €4,372 | €27,403 | +€23,031 | +527% |
| Remuneration and social security | 454/9 | €5,950 | €7,617 | +€1,667 | +28.0% |
| Other amounts payable | 47/48 | €125,714 | €160,000 | +€34,286 | +27.3% |
| Turnover | 70 | €0 | - | = | |
| Goods, raw materials, services and sundry goods | 60/61 | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €53,058 | €54,846 | +€1,788 | +3.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,823 | €11,552 | +€9,728 | +534% |
| Other operating charges | 640/8 | €3,403 | €2,101 | -€1,302 | -38.3% |
| Gross operating margin | 9900 | €222,153 | €278,947 | +€56,794 | +25.6% |
| Operating profit (loss) | 9901 | €163,869 | €210,449 | +€46,580 | +28.4% |
| Financial income | 75/76B | €347 | €1,175 | +€828 | +239% |
| Recurring financial income | 75 | €347 | €1,175 | +€828 | +239% |
| Financial charges | 65/66B | €827 | €334 | -€493 | -59.6% |
| Recurring financial charges | 65 | €827 | €334 | -€493 | -59.6% |
| Profit (loss) for the period before taxes | 9903 | €163,389 | €211,289 | +€47,900 | +29.3% |
| Income taxes | 67/77 | €39,476 | €51,361 | +€11,884 | +30.1% |
| Profit (loss) for the period | 9904 | €123,913 | €159,929 | +€36,016 | +29.1% |
| Profit (loss) for the period to be appropriated | 9905 | €123,913 | €159,929 | +€36,016 | +29.1% |
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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 3 November 2026 via checked.be.