Skip to content

CAVACELO: 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

CAVACELO

BE 0729.781.280
NACE 66.191, Agents and brokers in banking services
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€588,786
2024 · €285,959+€302,827
Equity
€34,588
2024 · €25,802+€8,786
Cash
€127,969
2024 · €258,427-€130,457
Balance sheet total
€1.0m
2024 · €631,927+€398,323

Largest movements

2024 to 2025
Assets
  • Receivables within one year +€482,936

    up €482,936 (+2830.2%), from €17,064 to €500,000

    of which Other amounts receivable: +€500,000

  • Cash -€130,457

    down €130,457 (-50.5%), from €258,427 to €127,969

    mainly Contributions, distributions and other (-€580,000) and Receivables within one year (-€482,936)

  • Deferred charges and accrued income +€46,655

    up €46,655 (+13.1%), from €355,626 to €402,281

Equity and liabilities
  • Other debts +€250,000

    up €250,000 (+75.8%), from €330,000 to €580,000

  • Short-term financial debts +€180,000

    up €180,000 (+600.0%), from €30,000 to €210,000

  • Current portion of long-term debt -€40,503

    no longer reported in 2025 (was €40,503)

Income statement
  • Gross operating margin +€502,643

    up €502,643 (+37.7%), from €1.3m to €1.8m

  • Taxes +€102,764

    up €102,764 (+93.0%), from €110,440 to €213,205

  • Staff costs +€95,118

    up €95,118 (+10.6%), from €900,477 to €995,595

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 €285,959
Gross operating margin +€502,643
Staff costs -€95,118
Depreciation +€746
Other operating charges +€81
Financial income +€504
Financial charges -€3,264
Taxes -€102,764
Result 2025 €588,786

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 +€310,046
Investment €0
Financing -€440,503
Cash 2024 €258,427
Net result for the year +€588,786
Depreciation +€811
Receivables within one year -€482,936
Deferred charges and accrued income -€46,655
Trade debts -€5,213
Tax, wage and social debts +€5,821
Other debts +€250,000
Accrued charges and deferred income -€567
Current portion of long-term debt -€40,503
Short-term financial debts +€180,000
Contributions, distributions and other -€580,000
Cash 2025 €127,969
Every line side by side 40 lines
Line Code 2024 2025 Change %
Total assets 20/58 €631,927 €1,030,250 +€398,323 +63.0%
Fixed assets 21/28 €811 - -€811
Tangible fixed assets 22/27 €811 - -€811
Furniture and vehicles 24 €811 - -€811
Current assets 29/58 €631,116 €1,030,250 +€399,134 +63.2%
Amounts receivable within one year 40/41 €17,064 €500,000 +€482,936 +2830.2%
Trade receivables 40 €17,064 - -€17,064
Other amounts receivable 41 - €500,000 +€500,000
Cash at bank and in hand 54/58 €258,427 €127,969 -€130,457 -50.5%
Deferred charges and accrued income 490/1 €355,626 €402,281 +€46,655 +13.1%
Total equity and liabilities 10/49 €631,927 €1,030,250 +€398,323 +63.0%
Equity 10/15 €25,802 €34,588 +€8,786 +34.1%
Contributions 10/11 €20,000 €20,000 = 0.0%
Reserves 13 €5,802 €14,588 +€8,786 +151.4%
Distributable reserves 133 €5,802 €14,588 +€8,786 +151.4%
Amounts payable 17/49 €606,124 €995,662 +€389,538 +64.3%
Amounts payable within one year 42/48 €604,518 €994,623 +€390,105 +64.5%
Current portion of amounts payable after more than one year 42 €40,503 - -€40,503
Financial debts 43 €30,000 €210,000 +€180,000 +600.0%
Credit institutions 430/8 €30,000 €210,000 +€180,000 +600.0%
Trade debts 44 €35,172 €29,959 -€5,213 -14.8%
Suppliers 440/4 €35,172 €29,959 -€5,213 -14.8%
Taxes, remuneration and social security 45 €168,843 €174,665 +€5,821 +3.4%
Taxes 450/3 €27,207 €81,385 +€54,178 +199.1%
Remuneration and social security 454/9 €141,637 €93,280 -€48,357 -34.1%
Other amounts payable 47/48 €330,000 €580,000 +€250,000 +75.8%
Accrued charges and deferred income 492/3 €1,606 €1,039 -€567 -35.3%
Remuneration, social security and pensions 62 €900,477 €995,595 +€95,118 +10.6%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €1,556 €811 -€746 -47.9%
Other operating charges 640/8 €935 €855 -€81 -8.6%
Gross operating margin 9900 €1,331,919 €1,834,562 +€502,643 +37.7%
Operating profit (loss) 9901 €428,950 €837,301 +€408,351 +95.2%
Financial income 75/76B €698 €1,201 +€504 +72.2%
Recurring financial income 75 €698 €1,201 +€504 +72.2%
Financial charges 65/66B €33,248 €36,512 +€3,264 +9.8%
Recurring financial charges 65 €33,248 €36,512 +€3,264 +9.8%
Profit (loss) for the period before taxes 9903 €396,399 €801,990 +€405,591 +102.3%
Income taxes 67/77 €110,440 €213,205 +€102,764 +93.0%
Profit (loss) for the period 9904 €285,959 €588,786 +€302,827 +105.9%
Profit (loss) for the period to be appropriated 9905 €285,959 €588,786 +€302,827 +105.9%

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 30 September 2026 via checked.be.