Casneuf - De Roover: what changed
What changed
Casneuf - De Roover
NACE 66.191, Agents and brokers in banking services
filed annual accounts (NBB)
Net result for the year
€416,735
2024 · €359,633+€57,102
Equity
€2.7m
2024 · €1.8m+€874,347
Cash
€837,873
2024 · €575,632+€262,241
Balance sheet total
€3.4m
2024 · €2.6m+€831,606
Largest movements
Assets
- Receivables after one year +€464,204
up €464,204 (+198%), from €234,075 to €698,279
- Cash +€262,241
up €262,241 (+45.6%), from €575,632 to €837,873
mainly Contributions, distributions and other (+€457,612) and Net result for the year (+€416,735)
- Receivables within one year -€234,301
down €234,301 (-100%), from €234,301 to €0
of which Other amounts receivable: -€234,301
- Current investments +€125,180
up €125,180 (+24.5%), from €511,213 to €636,393
- Tangible fixed assets +€118,484
up €118,484 (+14.4%), from €820,755 to €939,240
of which Land and buildings: +€132,328
Equity and liabilities
- Reserves +€868,147
up €868,147 (+48.7%), from €1.8m to €2.6m
- Debts after one year -€52,056
down €52,056 (-10.0%), from €522,147 to €470,091
Income statement
- Gross operating margin +€157,962
up €157,962 (+16.1%), from €982,963 to €1.1m
- Depreciation +€59,124
up €59,124 (+52.1%), from €113,377 to €172,501
- Taxes +€30,053
up €30,053 (+18.3%), from €164,097 to €194,150
- Staff costs +€24,709
up €24,709 (+7.2%), from €342,297 to €367,006
- Financial income +€15,132
up €15,132 (+106%), from €14,270 to €29,402
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
€359,633
Gross operating margin
+€157,962
Staff costs
-€24,709
Depreciation
-€59,124
Other operating charges
-€1,179
Financial income
+€15,132
Financial charges
-€926
Taxes
-€30,053
Result 2025
€416,735
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
+€297,389
Investment
-€463,007
Financing
+€427,859
Cash 2024
€575,632
From operations (derived)
+€297,389
Net result for the year
+€416,735
Depreciation
+€172,501
Receivables after one year
-€464,204
Receivables within one year
+€234,301
Deferred charges and accrued income
-€48,955
Trade debts
-€14,523
Tax, wage and social debts
+€32,284
Other debts
-€30,749
Investment (derived)
-€463,007
Investment in fixed assets (net)
-€337,827
Current investments
-€125,180
Financing
+€427,859
Debts after one year
-€52,056
Current portion of long-term debt
+€6,752
Short-term financial debts
+€15,551
Contributions, distributions and other
+€457,612
Cash 2025
€837,873
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €2,585,464 | €3,417,070 | +€831,606 | +32.2% |
| Fixed assets | 21/28 | €948,867 | €1,114,193 | +€165,326 | +17.4% |
| Intangible fixed assets | 21 | €127,112 | €173,954 | +€46,842 | +36.9% |
| Tangible fixed assets | 22/27 | €820,755 | €939,240 | +€118,484 | +14.4% |
| Land and buildings | 22 | €581,672 | €714,000 | +€132,328 | +22.7% |
| Plant, machinery and equipment | 23 | €6,596 | €11,720 | +€5,125 | +77.7% |
| Furniture and vehicles | 24 | €232,488 | €212,699 | -€19,789 | -8.5% |
| Other tangible fixed assets | 26 | - | €820 | +€820 | |
| Financial fixed assets | 28 | €1,000 | €1,000 | = | 0.0% |
| Current assets | 29/58 | €1,636,597 | €2,302,876 | +€666,280 | +40.7% |
| Amounts receivable after more than one year | 29 | €234,075 | €698,279 | +€464,204 | +198% |
| Other amounts receivable | 291 | €234,075 | €698,279 | +€464,204 | +198% |
| Amounts receivable within one year | 40/41 | €234,301 | €0 | -€234,301 | -100% |
| Trade receivables | 40 | €0 | - | = | |
| Other amounts receivable | 41 | €234,301 | €0 | -€234,301 | -100% |
| Current investments | 50/53 | €511,213 | €636,393 | +€125,180 | +24.5% |
| Cash at bank and in hand | 54/58 | €575,632 | €837,873 | +€262,241 | +45.6% |
| Deferred charges and accrued income | 490/1 | €81,377 | €130,332 | +€48,955 | +60.2% |
| Total equity and liabilities | 10/49 | €2,585,464 | €3,417,070 | +€831,606 | +32.2% |
| Equity | 10/15 | €1,799,805 | €2,674,152 | +€874,347 | +48.6% |
| Contributions | 10/11 | €18,600 | €24,800 | +€6,200 | +33.3% |
| Reserves | 13 | €1,781,205 | €2,649,352 | +€868,147 | +48.7% |
| Distributable reserves | 133 | €1,781,205 | €2,649,352 | +€868,147 | +48.7% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €785,659 | €742,917 | -€42,741 | -5.4% |
| Amounts payable after more than one year | 17 | €522,147 | €470,091 | -€52,056 | -10.0% |
| Financial debts | 170/4 | €522,147 | €470,091 | -€52,056 | -10.0% |
| Amounts payable within one year | 42/48 | €263,511 | €272,827 | +€9,315 | +3.5% |
| Current portion of amounts payable after more than one year | 42 | €114,498 | €121,250 | +€6,752 | +5.9% |
| Financial debts | 43 | €0 | €15,551 | +€15,551 | |
| Credit institutions | 430/8 | €0 | €15,551 | +€15,551 | |
| Trade debts | 44 | €23,983 | €9,459 | -€14,523 | -60.6% |
| Suppliers | 440/4 | €23,983 | €9,459 | -€14,523 | -60.6% |
| Taxes, remuneration and social security | 45 | €72,702 | €104,986 | +€32,284 | +44.4% |
| Taxes | 450/3 | €12,598 | €47,216 | +€34,618 | +275% |
| Remuneration and social security | 454/9 | €60,104 | €57,771 | -€2,333 | -3.9% |
| Other amounts payable | 47/48 | €52,328 | €21,579 | -€30,749 | -58.8% |
| Remuneration, social security and pensions | 62 | €342,297 | €367,006 | +€24,709 | +7.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €113,377 | €172,501 | +€59,124 | +52.1% |
| Other operating charges | 640/8 | €4,464 | €5,643 | +€1,179 | +26.4% |
| Gross operating margin | 9900 | €982,963 | €1,140,925 | +€157,962 | +16.1% |
| Operating profit (loss) | 9901 | €522,825 | €595,775 | +€72,950 | +14.0% |
| Financial income | 75/76B | €14,270 | €29,402 | +€15,132 | +106% |
| Recurring financial income | 75 | €14,270 | €29,402 | +€15,132 | +106% |
| Financial charges | 65/66B | €13,365 | €14,292 | +€926 | +6.9% |
| Recurring financial charges | 65 | €13,365 | €14,292 | +€926 | +6.9% |
| Profit (loss) for the period before taxes | 9903 | €523,729 | €610,885 | +€87,155 | +16.6% |
| Income taxes | 67/77 | €164,097 | €194,150 | +€30,053 | +18.3% |
| Profit (loss) for the period | 9904 | €359,633 | €416,735 | +€57,102 | +15.9% |
| Profit (loss) for the period to be appropriated | 9905 | €359,633 | €416,735 | +€57,102 | +15.9% |
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.