Cares assistance: what changed
What changed
Cares assistance
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€914,518
2024 · €2.0m-€1.1m
Equity
€4.6m
2024 · €3.6m+€914,518
Cash
€946,934
2024 · €1.0m-€88,166
Balance sheet total
€13.8m
2024 · €10.6m+€3.3m
Largest movements
Assets
- Deferred charges and accrued income +€3.2m
up €3.2m (+37.5%), from €8.5m to €11.7m
- Intangible fixed assets +€351,476
up €351,476 (+1,432%), from €24,544 to €376,020
- Current investments -€350,000
no longer reported in 2025 (was €350,000)
- Receivables within one year +€167,219
up €167,219 (+36.3%), from €460,565 to €627,784
of which Other amounts receivable: +€171,533
Equity and liabilities
- Accrued charges and deferred income +€2.9m
up €2.9m (+132%), from €2.2m to €5.1m
- Debts after one year -€1.3m
down €1.3m (-34.8%), from €3.8m to €2.5m
- Profit (loss) carried forward +€914,518
up €914,518 (+37.9%), from €2.4m to €3.3m
- Tax, wage and social debts +€368,038
up €368,038 (+67.5%), from €545,480 to €913,517
of which Taxes: +€335,301
- Current portion of long-term debt +€340,399
up €340,399 (+97.7%), from €348,414 to €688,812
Income statement
- Gross operating margin -€1.1m
down €1.1m (-32.9%), from €3.5m to €2.3m
- Taxes -€391,018
down €391,018 (-53.7%), from €728,124 to €337,106
- Staff costs +€348,290
up €348,290 (+103%), from €338,065 to €686,355
- Financial charges -€92,349
down €92,349 (-21.8%), from €424,481 to €332,132
- Depreciation +€71,545
up €71,545 (+184%), from €38,983 to €110,528
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
€2.0m
Gross operating margin
-€1.1m
Staff costs
-€348,290
Depreciation
-€71,545
Write-downs
+€33,984
Other operating charges
-€34,478
Financial income
+€4,054
Financial charges
+€92,349
Taxes
+€391,018
Result 2025
€914,518
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
+€1.0m
Investment
-€126,196
Financing
-€978,134
Cash 2024
€1.0m
From operations (derived)
+€1.0m
Net result for the year
+€914,518
Depreciation
+€110,528
Receivables within one year
-€167,219
Deferred charges and accrued income
-€3.2m
Trade debts
+€55,591
Tax, wage and social debts
+€368,038
Accrued charges and deferred income
+€2.9m
Investment (derived)
-€126,196
Investment in fixed assets (net)
-€476,196
Current investments
+€350,000
Financing
-€978,134
Debts after one year
-€1.3m
Current portion of long-term debt
+€340,399
Cash 2025
€946,934
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €10,558,585 | €13,837,684 | +€3.3m | +31.1% |
| Fixed assets | 21/28 | €218,219 | €583,887 | +€365,668 | +168% |
| Intangible fixed assets | 21 | €24,544 | €376,020 | +€351,476 | +1,432% |
| Tangible fixed assets | 22/27 | €193,675 | €207,867 | +€14,192 | +7.3% |
| Land and buildings | 22 | €164,060 | €147,116 | -€16,944 | -10.3% |
| Furniture and vehicles | 24 | €28,277 | €59,713 | +€31,436 | +111% |
| Other tangible fixed assets | 26 | €1,338 | €1,038 | -€300 | -22.4% |
| Current assets | 29/58 | €10,340,366 | €13,253,797 | +€2.9m | +28.2% |
| Amounts receivable within one year | 40/41 | €460,565 | €627,784 | +€167,219 | +36.3% |
| Trade receivables | 40 | €6,080 | €1,767 | -€4,314 | -70.9% |
| Other amounts receivable | 41 | €454,484 | €626,017 | +€171,533 | +37.7% |
| Current investments | 50/53 | €350,000 | - | -€350,000 | |
| Cash at bank and in hand | 54/58 | €1,035,100 | €946,934 | -€88,166 | -8.5% |
| Deferred charges and accrued income | 490/1 | €8,494,702 | €11,679,080 | +€3.2m | +37.5% |
| Total equity and liabilities | 10/49 | €10,558,585 | €13,837,684 | +€3.3m | +31.1% |
| Equity | 10/15 | €3,645,226 | €4,559,743 | +€914,518 | +25.1% |
| Contributions | 10/11 | €855,531 | €855,531 | = | 0.0% |
| Reserves | 13 | €374,690 | €374,690 | = | 0.0% |
| Tax-exempt reserves | 132 | €374,690 | €374,690 | = | 0.0% |
| Profit (loss) carried forward | 14 | €2,415,005 | €3,329,522 | +€914,518 | +37.9% |
| Amounts payable | 17/49 | €6,913,359 | €9,277,941 | +€2.4m | +34.2% |
| Amounts payable after more than one year | 17 | €3,793,391 | €2,474,859 | -€1.3m | -34.8% |
| Financial debts | 170/4 | €3,793,391 | €2,474,859 | -€1.3m | -34.8% |
| Amounts payable within one year | 42/48 | €903,816 | €1,667,843 | +€764,027 | +84.5% |
| Current portion of amounts payable after more than one year | 42 | €348,414 | €688,812 | +€340,399 | +97.7% |
| Trade debts | 44 | €9,923 | €65,514 | +€55,591 | +560% |
| Suppliers | 440/4 | €9,923 | €65,514 | +€55,591 | +560% |
| Taxes, remuneration and social security | 45 | €545,480 | €913,517 | +€368,038 | +67.5% |
| Taxes | 450/3 | €514,676 | €849,977 | +€335,301 | +65.1% |
| Remuneration and social security | 454/9 | €30,803 | €63,540 | +€32,737 | +106% |
| Accrued charges and deferred income | 492/3 | €2,216,153 | €5,135,239 | +€2.9m | +132% |
| Remuneration, social security and pensions | 62 | €338,065 | €686,355 | +€348,290 | +103% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €38,983 | €110,528 | +€71,545 | +184% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | - | -€33,984 | -€33,984 | |
| Other operating charges | 640/8 | €2,897 | €37,375 | +€34,478 | +1,190% |
| Gross operating margin | 9900 | €3,495,701 | €2,346,828 | -€1.1m | -32.9% |
| Operating profit (loss) | 9901 | €3,115,756 | €1,546,555 | -€1.6m | -50.4% |
| Financial income | 75/76B | €33,147 | €37,201 | +€4,054 | +12.2% |
| Recurring financial income | 75 | €33,147 | €37,201 | +€4,054 | +12.2% |
| Financial charges | 65/66B | €424,481 | €332,132 | -€92,349 | -21.8% |
| Recurring financial charges | 65 | €424,481 | €332,132 | -€92,349 | -21.8% |
| Profit (loss) for the period before taxes | 9903 | €2,724,422 | €1,251,624 | -€1.5m | -54.1% |
| Income taxes | 67/77 | €728,124 | €337,106 | -€391,018 | -53.7% |
| Profit (loss) for the period | 9904 | €1,996,297 | €914,518 | -€1.1m | -54.2% |
| Transfer to tax-exempt reserves | 689 | €374,690 | - | -€374,690 | |
| Profit (loss) for the period to be appropriated | 9905 | €1,621,607 | €914,518 | -€707,090 | -43.6% |
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.