Dincassur: what changed
What changed
Dincassur
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€426
2024 · €10,304-€9,879
Equity
€183,568
2024 · €183,143+€426
Cash
€187,940
2024 · €150,313+€37,627
Balance sheet total
€935,248
2024 · €877,281+€57,967
Largest movements
Assets
- Receivables within one year +€82,009
up €82,009 (+16.7%), from €490,212 to €572,220
of which Other amounts receivable: +€82,337
- Intangible fixed assets -€44,437
down €44,437 (-35.2%), from €126,315 to €81,878
- Cash +€37,627
up €37,627 (+25.0%), from €150,313 to €187,940
mainly Depreciation (+€71,915) and Trade debts (+€62,520)
- Tangible fixed assets -€20,626
down €20,626 (-19.7%), from €104,918 to €84,292
of which Furniture and vehicles: -€14,294
Equity and liabilities
- Trade debts +€62,520
up €62,520 (+20.2%), from €308,930 to €371,450
- Debts after one year -€19,673
down €19,673 (-7.2%), from €272,998 to €253,325
- Current portion of long-term debt +€12,432
up €12,432 (+23.6%), from €52,724 to €65,157
Income statement
- Staff costs +€22,991
up €22,991 (+7.8%), from €293,125 to €316,116
- Gross operating margin +€11,582
up €11,582 (+2.9%), from €405,841 to €417,423
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
€10,304
Gross operating margin
+€11,582
Staff costs
-€22,991
Depreciation
-€2,445
Other operating charges
-€840
Financial income
+€23
Financial charges
+€1,264
Taxes
+€3,529
Result 2025
€426
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
+€51,720
Investment
-€6,852
Financing
-€7,241
Cash 2024
€150,313
From operations (derived)
+€51,720
Net result for the year
+€426
Depreciation
+€71,915
Receivables within one year
-€82,009
Deferred charges and accrued income
-€3,394
Trade debts
+€62,520
Tax, wage and social debts
+€2,102
Accrued charges and deferred income
+€160
Investment (derived)
-€6,852
Investment in fixed assets (net)
-€6,852
Financing
-€7,241
Debts after one year
-€19,673
Current portion of long-term debt
+€12,432
Cash 2025
€187,940
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €877,281 | €935,248 | +€57,967 | +6.6% |
| Fixed assets | 21/28 | €232,733 | €167,670 | -€65,063 | -28.0% |
| Intangible fixed assets | 21 | €126,315 | €81,878 | -€44,437 | -35.2% |
| Tangible fixed assets | 22/27 | €104,918 | €84,292 | -€20,626 | -19.7% |
| Furniture and vehicles | 24 | €50,911 | €36,617 | -€14,294 | -28.1% |
| Other tangible fixed assets | 26 | €54,007 | €47,675 | -€6,331 | -11.7% |
| Financial fixed assets | 28 | €1,500 | €1,500 | = | 0.0% |
| Current assets | 29/58 | €644,549 | €767,579 | +€123,030 | +19.1% |
| Amounts receivable within one year | 40/41 | €490,212 | €572,220 | +€82,009 | +16.7% |
| Trade receivables | 40 | €60,368 | €60,040 | -€329 | -0.5% |
| Other amounts receivable | 41 | €429,843 | €512,180 | +€82,337 | +19.2% |
| Cash at bank and in hand | 54/58 | €150,313 | €187,940 | +€37,627 | +25.0% |
| Deferred charges and accrued income | 490/1 | €4,024 | €7,418 | +€3,394 | +84.3% |
| Total equity and liabilities | 10/49 | €877,281 | €935,248 | +€57,967 | +6.6% |
| Equity | 10/15 | €183,143 | €183,568 | +€426 | +0.2% |
| Contributions | 10/11 | €62,000 | €62,000 | = | 0.0% |
| Capital | 10 | €62,000 | €62,000 | = | 0.0% |
| Issued capital | 100 | €62,000 | €62,000 | = | 0.0% |
| Reserves | 13 | €120,400 | €120,400 | = | 0.0% |
| Non-distributable reserves | 130/1 | €6,200 | €6,200 | = | 0.0% |
| Legal reserve | 130 | €6,200 | €6,200 | = | 0.0% |
| Distributable reserves | 133 | €114,200 | €114,200 | = | 0.0% |
| Profit (loss) carried forward | 14 | €743 | €1,168 | +€426 | +57.3% |
| Amounts payable | 17/49 | €694,139 | €751,680 | +€57,541 | +8.3% |
| Amounts payable after more than one year | 17 | €272,998 | €253,325 | -€19,673 | -7.2% |
| Financial debts | 170/4 | €272,998 | €253,325 | -€19,673 | -7.2% |
| Amounts payable within one year | 42/48 | €420,760 | €497,815 | +€77,055 | +18.3% |
| Current portion of amounts payable after more than one year | 42 | €52,724 | €65,157 | +€12,432 | +23.6% |
| Trade debts | 44 | €308,930 | €371,450 | +€62,520 | +20.2% |
| Suppliers | 440/4 | €308,930 | €371,450 | +€62,520 | +20.2% |
| Taxes, remuneration and social security | 45 | €59,106 | €61,208 | +€2,102 | +3.6% |
| Taxes | 450/3 | €11,805 | €8,500 | -€3,305 | -28.0% |
| Remuneration and social security | 454/9 | €47,300 | €52,708 | +€5,408 | +11.4% |
| Accrued charges and deferred income | 492/3 | €381 | €541 | +€160 | +41.9% |
| Remuneration, social security and pensions | 62 | €293,125 | €316,116 | +€22,991 | +7.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €69,470 | €71,915 | +€2,445 | +3.5% |
| Other operating charges | 640/8 | €387 | €1,227 | +€840 | +217% |
| Gross operating margin | 9900 | €405,841 | €417,423 | +€11,582 | +2.9% |
| Operating profit (loss) | 9901 | €42,858 | €28,164 | -€14,694 | -34.3% |
| Financial income | 75/76B | €25 | €48 | +€23 | +90.7% |
| Recurring financial income | 75 | €25 | €48 | +€23 | +90.7% |
| Financial charges | 65/66B | €20,551 | €19,287 | -€1,264 | -6.1% |
| Recurring financial charges | 65 | €20,551 | €19,287 | -€1,264 | -6.1% |
| Profit (loss) for the period before taxes | 9903 | €22,333 | €8,926 | -€13,408 | -60.0% |
| Income taxes | 67/77 | €12,029 | €8,500 | -€3,529 | -29.3% |
| Profit (loss) for the period | 9904 | €10,304 | €426 | -€9,879 | -95.9% |
| Profit (loss) for the period to be appropriated | 9905 | €10,304 | €426 | -€9,879 | -95.9% |
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 3 November 2026 via checked.be.