Dewals Verzekeringen: what changed
What changed
Dewals Verzekeringen
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€146,799
2024 · €136,370+€10,429
Equity
€165,399
2024 · €245,612-€80,213
Cash
€162,467
2024 · €281,024-€118,557
Balance sheet total
€476,864
2024 · €595,125-€118,261
Largest movements
Assets
- Cash -€118,557
down €118,557 (-42.2%), from €281,024 to €162,467
mainly Contributions, distributions and other (-€227,012) and Investment in fixed assets (net) (-€34,603)
- Receivables within one year +€10,063
up €10,063 (+25.3%), from €39,704 to €49,768
of which Other amounts receivable: +€46,129
- Tangible fixed assets -€8,208
down €8,208 (-3.1%), from €265,419 to €257,210
of which Furniture and vehicles: -€13,417
Equity and liabilities
- Reserves -€80,213
down €80,213 (-35.3%), from €227,012 to €146,799
- Debts after one year -€30,033
down €30,033 (-32.4%), from €92,644 to €62,611
- Other debts -€14,746
down €14,746 (-8.6%), from €171,659 to €156,913
Income statement
- Staff costs -€18,898
down €18,898 (-6.6%), from €287,646 to €268,749
- Depreciation +€13,603
up €13,603 (+41.7%), from €32,620 to €46,223
- Gross operating margin +€9,202
up €9,202 (+1.8%), from €506,518 to €515,720
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
€136,370
Gross operating margin
+€9,202
Staff costs
+€18,898
Depreciation
-€13,603
Other operating charges
-€379
Financial income
+€1,114
Financial charges
-€537
Taxes
-€4,266
Result 2025
€146,799
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
+€172,369
Investment
-€34,603
Financing
-€256,323
Cash 2024
€281,024
From operations (derived)
+€172,369
Net result for the year
+€146,799
Depreciation
+€46,223
Receivables within one year
-€10,063
Deferred charges and accrued income
-€1,853
Trade debts
+€2,514
Tax, wage and social debts
+€3,486
Other debts
-€14,746
Accrued charges and deferred income
+€9
Investment (derived)
-€34,603
Investment in fixed assets (net)
-€34,603
Financing
-€256,323
Debts after one year
-€30,033
Current portion of long-term debt
+€722
Contributions, distributions and other
-€227,012
Cash 2025
€162,467
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €595,125 | €476,864 | -€118,261 | -19.9% |
| Fixed assets | 21/28 | €273,187 | €261,567 | -€11,620 | -4.3% |
| Tangible fixed assets | 22/27 | €265,419 | €257,210 | -€8,208 | -3.1% |
| Land and buildings | 22 | €117,819 | €107,045 | -€10,774 | -9.1% |
| Plant, machinery and equipment | 23 | €7,456 | €4,597 | -€2,859 | -38.3% |
| Furniture and vehicles | 24 | €86,231 | €72,814 | -€13,417 | -15.6% |
| Other tangible fixed assets | 26 | €53,913 | €72,754 | +€18,841 | +34.9% |
| Financial fixed assets | 28 | €7,769 | €4,357 | -€3,412 | -43.9% |
| Current assets | 29/58 | €321,938 | €215,297 | -€106,641 | -33.1% |
| Amounts receivable within one year | 40/41 | €39,704 | €49,768 | +€10,063 | +25.3% |
| Trade receivables | 40 | €38,108 | €2,042 | -€36,066 | -94.6% |
| Other amounts receivable | 41 | €1,596 | €47,725 | +€46,129 | +2,890% |
| Cash at bank and in hand | 54/58 | €281,024 | €162,467 | -€118,557 | -42.2% |
| Deferred charges and accrued income | 490/1 | €1,209 | €3,062 | +€1,853 | +153% |
| Total equity and liabilities | 10/49 | €595,125 | €476,864 | -€118,261 | -19.9% |
| Equity | 10/15 | €245,612 | €165,399 | -€80,213 | -32.7% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €227,012 | €146,799 | -€80,213 | -35.3% |
| Distributable reserves | 133 | €227,012 | €146,799 | -€80,213 | -35.3% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €349,513 | €311,465 | -€38,049 | -10.9% |
| Amounts payable after more than one year | 17 | €92,644 | €62,611 | -€30,033 | -32.4% |
| Financial debts | 170/4 | €92,644 | €62,611 | -€30,033 | -32.4% |
| Amounts payable within one year | 42/48 | €256,419 | €248,394 | -€8,025 | -3.1% |
| Current portion of amounts payable after more than one year | 42 | €29,311 | €30,033 | +€722 | +2.5% |
| Trade debts | 44 | €17,865 | €20,379 | +€2,514 | +14.1% |
| Suppliers | 440/4 | €17,865 | €20,379 | +€2,514 | +14.1% |
| Taxes, remuneration and social security | 45 | €37,583 | €41,069 | +€3,486 | +9.3% |
| Taxes | 450/3 | €4,704 | €0 | -€4,704 | -100% |
| Remuneration and social security | 454/9 | €32,879 | €41,069 | +€8,190 | +24.9% |
| Other amounts payable | 47/48 | €171,659 | €156,913 | -€14,746 | -8.6% |
| Accrued charges and deferred income | 492/3 | €450 | €459 | +€9 | +2.0% |
| Non-recurring operating income | 76A | €11,213 | €9,645 | -€1,568 | -14.0% |
| Remuneration, social security and pensions | 62 | €287,646 | €268,749 | -€18,898 | -6.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €32,620 | €46,223 | +€13,603 | +41.7% |
| Other operating charges | 640/8 | €3,767 | €4,146 | +€379 | +10.1% |
| Gross operating margin | 9900 | €506,518 | €515,720 | +€9,202 | +1.8% |
| Operating profit (loss) | 9901 | €182,484 | €196,602 | +€14,118 | +7.7% |
| Financial income | 75/76B | €441 | €1,555 | +€1,114 | +253% |
| Recurring financial income | 75 | €441 | €1,555 | +€1,114 | +253% |
| Financial charges | 65/66B | €2,630 | €3,167 | +€537 | +20.4% |
| Recurring financial charges | 65 | €2,630 | €3,167 | +€537 | +20.4% |
| Non-recurring financial charges | 66B | €0 | - | = | |
| Profit (loss) for the period before taxes | 9903 | €180,295 | €194,990 | +€14,695 | +8.2% |
| Income taxes | 67/77 | €43,925 | €48,191 | +€4,266 | +9.7% |
| Profit (loss) for the period | 9904 | €136,370 | €146,799 | +€10,429 | +7.6% |
| Profit (loss) for the period to be appropriated | 9905 | €136,370 | €146,799 | +€10,429 | +7.6% |
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.