DAMOISEAU: what changed
What changed
DAMOISEAU
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€20,850
2024 · €9,955+€10,895
Equity
€201,999
2024 · €181,148+€20,851
Cash
€41
2024 · €797-€756
Balance sheet total
€265,975
2024 · €248,923+€17,052
Largest movements
Assets
- Receivables within one year +€17,946
up €17,946 (+7.6%), from €234,591 to €252,537
of which Other amounts receivable: +€21,984
Equity and liabilities
- Reserves +€20,850
up €20,850 (+25.7%), from €81,155 to €102,005
of which Distributable reserves: +€20,850
- Trade debts -€6,921
down €6,921 (-44.2%), from €15,643 to €8,722
- Short-term financial debts +€5,314
up €5,314 (+49.6%), from €10,709 to €16,023
- Advances received +€2,859
up €2,859 (+14.5%), from €19,696 to €22,555
Income statement
- Gross operating margin +€14,036
up €14,036 (+18.8%), from €74,649 to €88,685
- Taxes +€3,628
up €3,628 (+64.3%), from €5,640 to €9,268
- Depreciation -€2,831
down €2,831 (-56.7%), from €4,994 to €2,163
- Staff costs +€1,198
up €1,198 (+1.9%), from €63,591 to €64,789
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
€9,955
Gross operating margin
+€14,036
Staff costs
-€1,198
Depreciation
+€2,831
Other operating charges
-€146
Financial income
-€656
Financial charges
-€343
Taxes
-€3,628
Result 2025
€20,850
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
-€2,750
Investment
-€2,026
Financing
+€4,020
Cash 2024
€797
From operations (derived)
-€2,750
Net result for the year
+€20,850
Depreciation
+€2,163
Stocks and contracts
+€0
Receivables within one year
-€17,946
Trade debts
-€6,921
Tax, wage and social debts
-€2,280
Advances received
+€2,859
Accrued charges and deferred income
-€1,475
Investment (derived)
-€2,026
Investment in fixed assets (net)
-€2,026
Financing
+€4,020
Current portion of long-term debt
-€1,296
Short-term financial debts
+€5,314
Contributions, distributions and other
+€1
Cash 2025
€41
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €248,923 | €265,975 | +€17,052 | +6.9% |
| Fixed assets | 21/28 | €12,791 | €12,654 | -€137 | -1.1% |
| Tangible fixed assets | 22/27 | €12,631 | €12,494 | -€137 | -1.1% |
| Land and buildings | 22 | €8,180 | €7,437 | -€743 | -9.1% |
| Furniture and vehicles | 24 | €4,451 | €5,057 | +€606 | +13.6% |
| Financial fixed assets | 28 | €160 | €160 | = | 0.0% |
| Current assets | 29/58 | €236,132 | €253,321 | +€17,189 | +7.3% |
| Stocks and contracts in progress | 3 | €744 | €744 | -€0 | 0.0% |
| Stocks | 30/36 | €744 | €744 | -€0 | 0.0% |
| Amounts receivable within one year | 40/41 | €234,591 | €252,537 | +€17,946 | +7.6% |
| Trade receivables | 40 | €7,834 | €3,795 | -€4,039 | -51.6% |
| Other amounts receivable | 41 | €226,757 | €248,741 | +€21,984 | +9.7% |
| Cash at bank and in hand | 54/58 | €797 | €41 | -€756 | -94.9% |
| Total equity and liabilities | 10/49 | €248,923 | €265,975 | +€17,052 | +6.9% |
| Equity | 10/15 | €181,148 | €201,999 | +€20,851 | +11.5% |
| Contributions | 10/11 | €99,157 | €99,157 | +€0 | 0.0% |
| Capital | 10 | €99,157 | €99,157 | +€0 | 0.0% |
| Issued capital | 100 | €99,157 | €99,157 | +€0 | 0.0% |
| Reserves | 13 | €81,155 | €102,005 | +€20,850 | +25.7% |
| Non-distributable reserves | 130/1 | €11,155 | €11,155 | +€0 | 0.0% |
| Legal reserve | 130 | €11,155 | €11,155 | +€0 | 0.0% |
| Distributable reserves | 133 | €70,000 | €90,850 | +€20,850 | +29.8% |
| Profit (loss) carried forward | 14 | €836 | €836 | +€0 | +0.1% |
| Amounts payable | 17/49 | €67,775 | €63,976 | -€3,799 | -5.6% |
| Amounts payable within one year | 42/48 | €66,300 | €63,976 | -€2,324 | -3.5% |
| Current portion of amounts payable after more than one year | 42 | €7,146 | €5,850 | -€1,296 | -18.1% |
| Financial debts | 43 | €10,709 | €16,023 | +€5,314 | +49.6% |
| Credit institutions | 430/8 | €10,709 | €16,023 | +€5,314 | +49.6% |
| Trade debts | 44 | €15,643 | €8,722 | -€6,921 | -44.2% |
| Suppliers | 440/4 | €15,643 | €8,722 | -€6,921 | -44.2% |
| Advances received on contracts in progress | 46 | €19,696 | €22,555 | +€2,859 | +14.5% |
| Taxes, remuneration and social security | 45 | €13,106 | €10,826 | -€2,280 | -17.4% |
| Taxes | 450/3 | €3,210 | €2,268 | -€942 | -29.3% |
| Remuneration and social security | 454/9 | €9,896 | €8,557 | -€1,339 | -13.5% |
| Accrued charges and deferred income | 492/3 | €1,475 | - | -€1,475 | |
| Remuneration, social security and pensions | 62 | €63,591 | €64,789 | +€1,198 | +1.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €4,994 | €2,163 | -€2,831 | -56.7% |
| Other operating charges | 640/8 | €2,640 | €2,786 | +€146 | +5.5% |
| Gross operating margin | 9900 | €74,649 | €88,685 | +€14,036 | +18.8% |
| Operating profit (loss) | 9901 | €3,424 | €18,947 | +€15,523 | +453% |
| Financial income | 75/76B | €13,428 | €12,772 | -€656 | -4.9% |
| Recurring financial income | 75 | €13,428 | €12,772 | -€656 | -4.9% |
| Financial charges | 65/66B | €1,257 | €1,600 | +€343 | +27.3% |
| Recurring financial charges | 65 | €1,257 | €1,600 | +€343 | +27.3% |
| Profit (loss) for the period before taxes | 9903 | €15,595 | €30,118 | +€14,523 | +93.1% |
| Income taxes | 67/77 | €5,640 | €9,268 | +€3,628 | +64.3% |
| Profit (loss) for the period | 9904 | €9,955 | €20,850 | +€10,895 | +109% |
| Profit (loss) for the period to be appropriated | 9905 | €9,955 | €20,850 | +€10,895 | +109% |
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 2 November 2026 via checked.be.