DE NIL V.L.A.G.: what changed
What changed
DE NIL V.L.A.G.
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€62,504
2024 · €20,942+€41,562
Equity
€809,245
2024 · €746,719+€62,526
Cash
€338,738
2024 · €267,110+€71,628
Balance sheet total
€1.9m
2024 · €1.9m+€15,799
Largest movements
Assets
- Cash +€71,628
up €71,628 (+26.8%), from €267,110 to €338,738
mainly Net result for the year (+€62,504) and Depreciation (+€58,155)
- Tangible fixed assets -€56,545
down €56,545 (-3.5%), from €1.6m to €1.6m
of which Land and buildings: -€52,584
Equity and liabilities
- Debts after one year -€84,728
down €84,728 (-8.7%), from €970,316 to €885,588
- Reserves +€62,526
up €62,526 (+11.1%), from €563,363 to €625,889
of which Distributable reserves: +€62,526
Income statement
- Gross operating margin +€56,650
up €56,650 (+37.8%), from €149,941 to €206,591
- Taxes +€15,485
up €15,485 (+166%), from €9,325 to €24,809
- Depreciation +€2,770
up €2,770 (+5.0%), from €55,385 to €58,155
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
€20,942
Gross operating margin
+€56,650
Staff costs
-€1,108
Depreciation
-€2,770
Other operating charges
+€313
Financial income
+€2,004
Financial charges
+€1,957
Taxes
-€15,485
Result 2025
€62,504
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
+€157,976
Investment
-€1,610
Financing
-€84,738
Cash 2024
€267,110
From operations (derived)
+€157,976
Net result for the year
+€62,504
Depreciation
+€58,155
Receivables within one year
-€2,126
Deferred charges and accrued income
+€1,409
Trade debts
+€4,965
Tax, wage and social debts
+€6,053
Other debts
+€7,962
Accrued charges and deferred income
+€19,053
Investment (derived)
-€1,610
Investment in fixed assets (net)
-€1,610
Financing
-€84,738
Debts after one year
-€84,728
Current portion of long-term debt
-€32
Contributions, distributions and other
+€22
Cash 2025
€338,738
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,915,089 | €1,930,888 | +€15,799 | +0.8% |
| Fixed assets | 21/28 | €1,634,522 | €1,577,977 | -€56,545 | -3.5% |
| Tangible fixed assets | 22/27 | €1,634,233 | €1,577,688 | -€56,545 | -3.5% |
| Land and buildings | 22 | €1,625,018 | €1,572,434 | -€52,584 | -3.2% |
| Furniture and vehicles | 24 | €9,215 | €5,254 | -€3,961 | -43.0% |
| Financial fixed assets | 28 | €289 | €289 | = | 0.0% |
| Current assets | 29/58 | €280,567 | €352,911 | +€72,344 | +25.8% |
| Amounts receivable within one year | 40/41 | €9,724 | €11,849 | +€2,126 | +21.9% |
| Trade receivables | 40 | €2,109 | €4,235 | +€2,126 | +101% |
| Other amounts receivable | 41 | €7,615 | €7,615 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €267,110 | €338,738 | +€71,628 | +26.8% |
| Deferred charges and accrued income | 490/1 | €3,733 | €2,324 | -€1,409 | -37.7% |
| Total equity and liabilities | 10/49 | €1,915,089 | €1,930,888 | +€15,799 | +0.8% |
| Equity | 10/15 | €746,719 | €809,245 | +€62,526 | +8.4% |
| Contributions | 10/11 | €183,356 | €183,356 | = | 0.0% |
| Reserves | 13 | €563,363 | €625,889 | +€62,526 | +11.1% |
| Tax-exempt reserves | 132 | €24,671 | €24,671 | = | 0.0% |
| Distributable reserves | 133 | €538,692 | €601,218 | +€62,526 | +11.6% |
| Provisions and deferred taxes | 16 | €28,687 | €28,687 | = | 0.0% |
| Provisions for liabilities and charges | 160/5 | €28,687 | €28,687 | = | 0.0% |
| Pensions and similar obligations | 160 | €28,687 | €28,687 | = | 0.0% |
| Amounts payable | 17/49 | €1,139,682 | €1,092,955 | -€46,727 | -4.1% |
| Amounts payable after more than one year | 17 | €970,316 | €885,588 | -€84,728 | -8.7% |
| Financial debts | 170/4 | €970,316 | €885,588 | -€84,728 | -8.7% |
| Amounts payable within one year | 42/48 | €166,149 | €185,097 | +€18,949 | +11.4% |
| Current portion of amounts payable after more than one year | 42 | €84,760 | €84,728 | -€32 | 0.0% |
| Trade debts | 44 | €12,561 | €17,526 | +€4,965 | +39.5% |
| Suppliers | 440/4 | €12,561 | €17,526 | +€4,965 | +39.5% |
| Taxes, remuneration and social security | 45 | €18,431 | €24,484 | +€6,053 | +32.8% |
| Taxes | 450/3 | €12,734 | €18,425 | +€5,691 | +44.7% |
| Remuneration and social security | 454/9 | €5,697 | €6,059 | +€362 | +6.4% |
| Other amounts payable | 47/48 | €50,397 | €58,359 | +€7,962 | +15.8% |
| Accrued charges and deferred income | 492/3 | €3,217 | €22,270 | +€19,053 | +592% |
| Remuneration, social security and pensions | 62 | €40,419 | €41,527 | +€1,108 | +2.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €55,385 | €58,155 | +€2,770 | +5.0% |
| Other operating charges | 640/8 | €4,893 | €4,581 | -€313 | -6.4% |
| Gross operating margin | 9900 | €149,941 | €206,591 | +€56,650 | +37.8% |
| Operating profit (loss) | 9901 | €49,243 | €102,328 | +€53,085 | +108% |
| Financial income | 75/76B | €4,745 | €6,749 | +€2,004 | +42.2% |
| Recurring financial income | 75 | €4,745 | €6,749 | +€2,004 | +42.2% |
| Financial charges | 65/66B | €23,721 | €21,764 | -€1,957 | -8.3% |
| Recurring financial charges | 65 | €23,721 | €21,764 | -€1,957 | -8.3% |
| Profit (loss) for the period before taxes | 9903 | €30,267 | €87,313 | +€57,047 | +188% |
| Income taxes | 67/77 | €9,325 | €24,809 | +€15,485 | +166% |
| Profit (loss) for the period | 9904 | €20,942 | €62,504 | +€41,562 | +198% |
| Profit (loss) for the period to be appropriated | 9905 | €20,942 | €62,504 | +€41,562 | +198% |
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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 7 November 2026 via checked.be.