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BV: 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

BV

BE 0809.768.965
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€8,039
2024 · -€1,957+€9,995
Equity
€277,161
2024 · €269,122+€8,039
Cash
€12,188
2024 · €26,220-€14,032
Balance sheet total
€293,911
2024 · €286,394+€7,517

Largest movements

2024 to 2025
Assets
  • Receivables after one year +€270,000

    new in 2025: €270,000

  • Receivables within one year -€248,504

    down €248,504 (-95.6%), from €260,000 to €11,496

  • Cash -€14,032

    down €14,032 (-53.5%), from €26,220 to €12,188

    mainly Receivables after one year (-€270,000) and Smaller working-capital items (-€574)

Equity and liabilities
  • Profit (loss) carried forward +€8,039

    up €8,039 (+3.1%), from €257,122 to €265,161

Income statement
  • Gross operating margin +€13,037

    up €13,037, from -€2,097 to €10,941

  • Taxes +€2,027

    up €2,027 (+281515.3%), from €1 to €2,028

  • Financial income -€888

    down €888 (-99.7%), from €891 to €3

  • Staff costs +€397

    no longer reported in 2025 (was -€397)

  • Financial charges -€285

    down €285 (-46.1%), from €618 to €333

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 -€1,957
Gross operating margin +€13,037
Staff costs -€397
Other operating charges -€16
Financial income -€888
Financial charges +€285
Taxes -€2,027
Result 2025 €8,039

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 -€14,032
Investment €0
Financing €0
Cash 2024 €26,220
Net result for the year +€8,039
Receivables after one year -€270,000
Receivables within one year +€248,504
Smaller working-capital items -€574
Cash 2025 €12,188
Every line side by side 36 lines
Line Code 2024 2025 Change %
Total assets 20/58 €286,394 €293,911 +€7,517 +2.6%
Fixed assets 21/28 €0 - =
Tangible fixed assets 22/27 €0 - =
Furniture and vehicles 24 €0 - =
Current assets 29/58 €286,394 €293,911 +€7,517 +2.6%
Amounts receivable after more than one year 29 - €270,000 +€270,000
Other amounts receivable 291 - €270,000 +€270,000
Amounts receivable within one year 40/41 €260,000 €11,496 -€248,504 -95.6%
Other amounts receivable 41 €260,000 €11,496 -€248,504 -95.6%
Cash at bank and in hand 54/58 €26,220 €12,188 -€14,032 -53.5%
Deferred charges and accrued income 490/1 €174 €227 +€53 +30.3%
Total equity and liabilities 10/49 €286,394 €293,911 +€7,517 +2.6%
Equity 10/15 €269,122 €277,161 +€8,039 +3.0%
Contributions 10/11 €10,000 €10,000 = 0.0%
Reserves 13 €2,000 €2,000 = 0.0%
Non-distributable reserves 130/1 €2,000 €2,000 = 0.0%
Reserves not available under the articles 1311 €2,000 €2,000 = 0.0%
Profit (loss) carried forward 14 €257,122 €265,161 +€8,039 +3.1%
Amounts payable 17/49 €17,272 €16,750 -€522 -3.0%
Amounts payable within one year 42/48 €1,633 €1,193 -€439 -26.9%
Trade debts 44 €609 €112 -€497 -81.6%
Suppliers 440/4 €609 €112 -€497 -81.6%
Other amounts payable 47/48 €1,023 €1,081 +€58 +5.6%
Accrued charges and deferred income 492/3 €15,639 €15,557 -€82 -0.5%
Remuneration, social security and pensions 62 -€397 - +€397
Other operating charges 640/8 €528 €544 +€16 +3.0%
Gross operating margin 9900 -€2,097 €10,941 +€13,037
Operating profit (loss) 9901 -€2,228 €10,397 +€12,625
Financial income 75/76B €891 €3 -€888 -99.7%
Recurring financial income 75 €891 €3 -€888 -99.7%
Financial charges 65/66B €618 €333 -€285 -46.1%
Recurring financial charges 65 €618 €333 -€285 -46.1%
Profit (loss) for the period before taxes 9903 -€1,956 €10,066 +€12,022
Income taxes 67/77 €1 €2,028 +€2,027 +281515.3%
Profit (loss) for the period 9904 -€1,957 €8,039 +€9,995
Profit (loss) for the period to be appropriated 9905 -€1,957 €8,039 +€9,995

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.