D.M.D. Verzekeringen: what changed
D.M.D. Verzekeringen
Largest movements
- Cash +€174,906
up €174,906 (+64.6%), from €270,789 to €445,695
mainly Net result for the year (+€171,159) and Depreciation (+€69,007)
- Tangible fixed assets -€67,908
down €67,908 (-21.6%), from €314,656 to €246,748
of which Furniture and vehicles: -€64,378
- Receivables within one year -€18,464
down €18,464 (-3.6%), from €516,189 to €497,725
of which Trade receivables: -€32,475
- Reserves +€122,250
up €122,250 (+17.1%), from €716,887 to €839,137
of which Distributable reserves: +€122,250
- Debts after one year -€52,612
down €52,612 (-42.9%), from €122,557 to €69,945
- Tax, wage and social debts +€21,108
up €21,108 (+35.0%), from €60,284 to €81,392
of which Taxes: +€16,469
- Trade debts +€19,233
up €19,233 (+4.4%), from €433,545 to €452,778
of which Suppliers: +€19,233
- Gross operating margin +€65,115
up €65,115 (+14.2%), from €458,353 to €523,468
- Staff costs +€35,253
up €35,253 (+22.5%), from €156,369 to €191,622
- Taxes +€11,949
up €11,949 (+17.1%), from €70,026 to €81,975
- Depreciation +€8,847
up €8,847 (+14.7%), from €60,159 to €69,007
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,452,671 | €1,553,771 | +€101,100 | +7.0% |
| Fixed assets | 21/28 | €316,853 | €261,511 | -€55,342 | -17.5% |
| Intangible fixed assets | 21 | €2,197 | €14,763 | +€12,566 | +572% |
| Tangible fixed assets | 22/27 | €314,656 | €246,748 | -€67,908 | -21.6% |
| Land and buildings | 22 | €52,384 | €48,853 | -€3,531 | -6.7% |
| Furniture and vehicles | 24 | €262,273 | €197,895 | -€64,378 | -24.5% |
| Current assets | 29/58 | €1,135,817 | €1,292,260 | +€156,442 | +13.8% |
| Amounts receivable after more than one year | 29 | €340,000 | €340,000 | = | 0.0% |
| Other amounts receivable | 291 | €340,000 | €340,000 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €516,189 | €497,725 | -€18,464 | -3.6% |
| Trade receivables | 40 | €223,663 | €191,188 | -€32,475 | -14.5% |
| Other amounts receivable | 41 | €292,525 | €306,537 | +€14,012 | +4.8% |
| Cash at bank and in hand | 54/58 | €270,789 | €445,695 | +€174,906 | +64.6% |
| Deferred charges and accrued income | 490/1 | €8,840 | €8,840 | = | 0.0% |
| Total equity and liabilities | 10/49 | €1,452,671 | €1,553,771 | +€101,100 | +7.0% |
| Equity | 10/15 | €774,785 | €897,044 | +€122,259 | +15.8% |
| Contributions | 10/11 | €25,000 | €25,000 | = | 0.0% |
| Reserves | 13 | €716,887 | €839,137 | +€122,250 | +17.1% |
| Tax-exempt reserves | 132 | €15,907 | €15,907 | = | 0.0% |
| Distributable reserves | 133 | €700,980 | €823,230 | +€122,250 | +17.4% |
| Profit (loss) carried forward | 14 | €32,898 | €32,907 | +€9 | 0.0% |
| Amounts payable | 17/49 | €677,886 | €656,727 | -€21,159 | -3.1% |
| Amounts payable after more than one year | 17 | €122,557 | €69,945 | -€52,612 | -42.9% |
| Financial debts | 170/4 | €122,557 | €69,945 | -€52,612 | -42.9% |
| Amounts payable within one year | 42/48 | €555,329 | €586,782 | +€31,453 | +5.7% |
| Current portion of amounts payable after more than one year | 42 | €61,500 | €52,612 | -€8,888 | -14.5% |
| Trade debts | 44 | €433,545 | €452,778 | +€19,233 | +4.4% |
| Suppliers | 440/4 | €433,545 | €452,778 | +€19,233 | +4.4% |
| Bills of exchange payable | 441 | €0 | - | = | |
| Taxes, remuneration and social security | 45 | €60,284 | €81,392 | +€21,108 | +35.0% |
| Taxes | 450/3 | €45,532 | €62,001 | +€16,469 | +36.2% |
| Remuneration and social security | 454/9 | €14,752 | €19,391 | +€4,639 | +31.5% |
| Remuneration, social security and pensions | 62 | €156,369 | €191,622 | +€35,253 | +22.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €60,159 | €69,007 | +€8,847 | +14.7% |
| Other operating charges | 640/8 | €2,203 | €2,701 | +€498 | +22.6% |
| Gross operating margin | 9900 | €458,353 | €523,468 | +€65,115 | +14.2% |
| Operating profit (loss) | 9901 | €239,621 | €260,138 | +€20,517 | +8.6% |
| Financial income | 75/76B | €22,489 | €23,341 | +€852 | +3.8% |
| Recurring financial income | 75 | €22,489 | €23,341 | +€852 | +3.8% |
| Financial charges | 65/66B | €30,895 | €30,345 | -€550 | -1.8% |
| Recurring financial charges | 65 | €30,895 | €30,345 | -€550 | -1.8% |
| Profit (loss) for the period before taxes | 9903 | €231,215 | €253,134 | +€21,919 | +9.5% |
| Income taxes | 67/77 | €70,026 | €81,975 | +€11,949 | +17.1% |
| Profit (loss) for the period | 9904 | €161,189 | €171,159 | +€9,971 | +6.2% |
| Profit (loss) for the period to be appropriated | 9905 | €161,189 | €171,159 | +€9,971 | +6.2% |
Next steps
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 5 November 2026 via checked.be.