CC VERZEKERINGEN: what changed
Two financial 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.
CC VERZEKERINGEN
Largest movements
- Cash -€15,662
down €15,662 (-57.0%), from €27,484 to €11,823
mainly Contributions, distributions and other (-€24,919) and Short-term financial debts (-€4,413)
- Receivables within one year -€9,350
down €9,350 (-100%), from €9,350 to €0
of which Other amounts receivable: -€9,350
- Deferred charges and accrued income +€4,012
up €4,012 (+17.7%), from €22,619 to €26,631
- Tangible fixed assets +€776
up €776 (+20.6%), from €3,773 to €4,549
- Reserves -€20,771
down €20,771 (-83.4%), from €24,919 to €4,148
- Other debts +€8,750
new in 2025: €8,750
- Short-term financial debts -€4,413
down €4,413 (-100%), from €4,413 to €0
- Tax, wage and social debts -€4,022
down €4,022 (-20.7%), from €19,391 to €15,369
of which Taxes: -€5,618
- Trade debts +€3,036
up €3,036 (+134%), from €2,266 to €5,302
- Staff costs +€11,464
up €11,464 (+21.4%), from €53,531 to €64,995
- Financial charges +€1,297
up €1,297 (+81.0%), from €1,602 to €2,899
- Gross operating margin -€1,047
down €1,047 (-1.3%), from €82,255 to €81,208
From the 2024 result to the 2025 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.
Derived cash bridge
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €63,227 | €43,003 | -€20,225 | -32.0% |
| Fixed assets | 21/28 | €3,773 | €4,549 | +€776 | +20.6% |
| Tangible fixed assets | 22/27 | €3,773 | €4,549 | +€776 | +20.6% |
| Furniture and vehicles | 24 | €3,773 | €4,549 | +€776 | +20.6% |
| Current assets | 29/58 | €59,454 | €38,454 | -€21,001 | -35.3% |
| Amounts receivable within one year | 40/41 | €9,350 | €0 | -€9,350 | -100% |
| Trade receivables | 40 | €0 | €0 | -€0 | -100% |
| Other amounts receivable | 41 | €9,350 | €0 | -€9,350 | -100% |
| Cash at bank and in hand | 54/58 | €27,484 | €11,823 | -€15,662 | -57.0% |
| Deferred charges and accrued income | 490/1 | €22,619 | €26,631 | +€4,012 | +17.7% |
| Total equity and liabilities | 10/49 | €63,227 | €43,003 | -€20,225 | -32.0% |
| Equity | 10/15 | €31,919 | €11,148 | -€20,771 | -65.1% |
| Contributions | 10/11 | €7,000 | €7,000 | = | 0.0% |
| Reserves | 13 | €24,919 | €4,148 | -€20,771 | -83.4% |
| Distributable reserves | 133 | €24,919 | €4,148 | -€20,771 | -83.4% |
| Profit (loss) carried forward | 14 | - | €0 | = | |
| Amounts payable | 17/49 | €31,308 | €31,854 | +€547 | +1.7% |
| Amounts payable after more than one year | 17 | €1,949 | €0 | -€1,949 | -100% |
| Financial debts | 170/4 | €1,949 | €0 | -€1,949 | -100% |
| Amounts payable within one year | 42/48 | €29,359 | €31,369 | +€2,010 | +6.8% |
| Current portion of amounts payable after more than one year | 42 | €3,289 | €1,949 | -€1,340 | -40.8% |
| Financial debts | 43 | €4,413 | €0 | -€4,413 | -100% |
| Other loans | 439 | €4,413 | €0 | -€4,413 | -100% |
| Trade debts | 44 | €2,266 | €5,302 | +€3,036 | +134% |
| Suppliers | 440/4 | €2,266 | €5,302 | +€3,036 | +134% |
| Taxes, remuneration and social security | 45 | €19,391 | €15,369 | -€4,022 | -20.7% |
| Taxes | 450/3 | €7,314 | €1,696 | -€5,618 | -76.8% |
| Remuneration and social security | 454/9 | €12,077 | €13,673 | +€1,596 | +13.2% |
| Other amounts payable | 47/48 | - | €8,750 | +€8,750 | |
| Accrued charges and deferred income | 492/3 | €0 | €485 | +€485 | |
| Non-recurring operating income | 76A | €14,482 | €0 | -€14,482 | -100% |
| Remuneration, social security and pensions | 62 | €53,531 | €64,995 | +€11,464 | +21.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,733 | €2,634 | -€98 | -3.6% |
| Other operating charges | 640/8 | €1,217 | €930 | -€287 | -23.6% |
| Gross operating margin | 9900 | €82,255 | €81,208 | -€1,047 | -1.3% |
| Operating profit (loss) | 9901 | €24,775 | €12,649 | -€12,126 | -48.9% |
| Financial income | 75/76B | €507 | €94 | -€413 | -81.5% |
| Recurring financial income | 75 | €507 | €94 | -€413 | -81.5% |
| Financial charges | 65/66B | €1,602 | €2,899 | +€1,297 | +81.0% |
| Recurring financial charges | 65 | €1,602 | €2,899 | +€1,297 | +81.0% |
| Profit (loss) for the period before taxes | 9903 | €23,680 | €9,844 | -€13,836 | -58.4% |
| Income taxes | 67/77 | €6,505 | €5,696 | -€809 | -12.4% |
| Profit (loss) for the period | 9904 | €17,175 | €4,148 | -€13,027 | -75.8% |
| Profit (loss) for the period to be appropriated | 9905 | €17,175 | €4,148 | -€13,027 | -75.8% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 26 October 2026 via checked.be.