CCL-SURVEYS: what changed
What changed
CCL-SURVEYS
NACE 65.112, Insurance, reinsurance and pension funding, except compulsory social security
filed annual accounts (NBB)
Net result for the year
€17,246
2024 · €12,078+€5,168
Equity
€102,173
2024 · €84,927+€17,246
Cash
€28,879
2024 · €32,950-€4,071
Balance sheet total
€149,584
2024 · €138,382+€11,203
Largest movements
Assets
- Current investments +€30,000
new in 2025: €30,000
- Tangible fixed assets -€16,272
down €16,272 (-23.3%), from €69,947 to €53,675
of which Furniture and vehicles: -€17,487
- Cash -€4,071
down €4,071 (-12.4%), from €32,950 to €28,879
mainly Current investments (-€30,000) and Debts after one year (-€11,983)
Equity and liabilities
- Reserves +€17,246
up €17,246 (+21.6%), from €79,927 to €97,173
- Debts after one year -€11,983
down €11,983 (-32.1%), from €37,331 to €25,348
- Trade debts +€4,639
up €4,639 (+181%), from €2,558 to €7,197
Income statement
- Gross operating margin +€5,857
up €5,857 (+15.6%), from €37,581 to €43,438
- Taxes +€894
up €894 (+19.1%), from €4,677 to €5,571
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
€12,078
Gross operating margin
+€5,857
Depreciation
-€299
Other operating charges
+€74
Financial income
+€7
Financial charges
+€424
Taxes
-€894
Result 2025
€17,246
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
+€38,988
Investment
-€31,514
Financing
-€11,545
Cash 2024
€32,950
From operations (derived)
+€38,988
Net result for the year
+€17,246
Depreciation
+€17,785
Receivables within one year
-€1,437
Deferred charges and accrued income
-€108
Trade debts
+€4,639
Tax, wage and social debts
+€374
Other debts
+€489
Investment (derived)
-€31,514
Investment in fixed assets (net)
-€1,514
Current investments
-€30,000
Financing
-€11,545
Debts after one year
-€11,983
Current portion of long-term debt
+€438
Cash 2025
€28,879
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €138,382 | €149,584 | +€11,203 | +8.1% |
| Fixed assets | 21/28 | €69,947 | €53,675 | -€16,272 | -23.3% |
| Tangible fixed assets | 22/27 | €69,947 | €53,675 | -€16,272 | -23.3% |
| Plant, machinery and equipment | 23 | - | €1,215 | +€1,215 | |
| Furniture and vehicles | 24 | €69,947 | €52,460 | -€17,487 | -25.0% |
| Current assets | 29/58 | €68,435 | €95,909 | +€27,474 | +40.1% |
| Amounts receivable within one year | 40/41 | €33,213 | €34,650 | +€1,437 | +4.3% |
| Trade receivables | 40 | €26,794 | €29,378 | +€2,584 | +9.6% |
| Other amounts receivable | 41 | €6,419 | €5,272 | -€1,147 | -17.9% |
| Current investments | 50/53 | - | €30,000 | +€30,000 | |
| Cash at bank and in hand | 54/58 | €32,950 | €28,879 | -€4,071 | -12.4% |
| Deferred charges and accrued income | 490/1 | €2,272 | €2,380 | +€108 | +4.8% |
| Total equity and liabilities | 10/49 | €138,382 | €149,584 | +€11,203 | +8.1% |
| Equity | 10/15 | €84,927 | €102,173 | +€17,246 | +20.3% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €79,927 | €97,173 | +€17,246 | +21.6% |
| Distributable reserves | 133 | €79,927 | €97,173 | +€17,246 | +21.6% |
| Amounts payable | 17/49 | €53,455 | €47,411 | -€6,043 | -11.3% |
| Amounts payable after more than one year | 17 | €37,331 | €25,348 | -€11,983 | -32.1% |
| Financial debts | 170/4 | €37,331 | €25,348 | -€11,983 | -32.1% |
| Amounts payable within one year | 42/48 | €16,123 | €22,063 | +€5,940 | +36.8% |
| Current portion of amounts payable after more than one year | 42 | €11,545 | €11,983 | +€438 | +3.8% |
| Trade debts | 44 | €2,558 | €7,197 | +€4,639 | +181% |
| Suppliers | 440/4 | €2,558 | €7,197 | +€4,639 | +181% |
| Taxes, remuneration and social security | 45 | €1,725 | €2,098 | +€374 | +21.7% |
| Taxes | 450/3 | €1,725 | €2,098 | +€374 | +21.7% |
| Other amounts payable | 47/48 | €296 | €785 | +€489 | +166% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €17,487 | €17,785 | +€299 | +1.7% |
| Other operating charges | 640/8 | €1,162 | €1,089 | -€74 | -6.3% |
| Gross operating margin | 9900 | €37,581 | €43,438 | +€5,857 | +15.6% |
| Operating profit (loss) | 9901 | €18,932 | €24,564 | +€5,632 | +29.7% |
| Financial income | 75/76B | €0 | €7 | +€7 | |
| Recurring financial income | 75 | €0 | €7 | +€7 | |
| Financial charges | 65/66B | €2,178 | €1,754 | -€424 | -19.5% |
| Recurring financial charges | 65 | €2,178 | €1,754 | -€424 | -19.5% |
| Profit (loss) for the period before taxes | 9903 | €16,754 | €22,817 | +€6,062 | +36.2% |
| Income taxes | 67/77 | €4,677 | €5,571 | +€894 | +19.1% |
| Profit (loss) for the period | 9904 | €12,078 | €17,246 | +€5,168 | +42.8% |
| Profit (loss) for the period to be appropriated | 9905 | €12,078 | €17,246 | +€5,168 | +42.8% |
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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 6 November 2026 via checked.be.