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DUCAVO: what changed

Two fiscal years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.

What changed

DUCAVO

BE 0440.212.526
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€10,597
2024 · €3,835+€6,762
Equity
€54,043
2024 · €43,446+€10,597
Cash
€100,865
2024 · €91,059+€9,806
Balance sheet total
€157,089
2024 · €152,097+€4,992

Largest movements

2024 to 2025
Assets
  • Cash +€9,806

    up €9,806 (+10.8%), from €91,059 to €100,865

    mainly Net result for the year (+€10,597) and Receivables within one year (+€5,793)

  • Receivables within one year -€5,793

    down €5,793 (-18.0%), from €32,147 to €26,354

    of which Trade receivables: -€5,371

  • Tangible fixed assets +€2,979

    up €2,979 (+11.1%), from €26,891 to €29,870

    of which Furniture and vehicles: +€3,556

  • Deferred charges and accrued income -€2,000

    no longer reported in 2025 (was €2,000)

Equity and liabilities
  • Trade debts -€10,990

    down €10,990 (-13.0%), from €84,316 to €73,326

  • Reserves +€10,597

    up €10,597 (+43.2%), from €24,527 to €35,124

  • Other debts +€3,949

    up €3,949 (+87.7%), from €4,505 to €8,455

Income statement
  • Gross operating margin +€13,331

    up €13,331 (+7.8%), from €170,762 to €184,093

  • Staff costs +€3,191

    up €3,191 (+2.0%), from €159,772 to €162,963

  • Taxes +€2,562

    up €2,562 (+75.3%), from €3,401 to €5,964

From the 2024 result to the 2025 result

effect on the result

Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.

Result 2024 €3,835
Gross operating margin +€13,331
Staff costs -€3,191
Depreciation -€30
Other operating charges -€571
Financial income -€26
Financial charges -€190
Taxes -€2,562
Result 2025 €10,597

Cash bridge derived

cash 2024 to 2025

Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations +€14,614
Investment -€4,800
Financing -€8
Cash 2024 €91,059
Net result for the year +€10,597
Depreciation +€1,821
Receivables within one year +€5,793
Deferred charges and accrued income +€2,000
Trade debts -€10,990
Tax, wage and social debts +€1,443
Other debts +€3,949
Investment in fixed assets (net) -€4,800
Short-term financial debts -€8
Cash 2025 €100,865
Every line side by side 41 lines
Line Code 2024 2025 Change %
Total assets 20/58 €152,097 €157,089 +€4,992 +3.3%
Fixed assets 21/28 €26,891 €29,870 +€2,979 +11.1%
Tangible fixed assets 22/27 €26,891 €29,870 +€2,979 +11.1%
Land and buildings 22 €25,753 €25,708 -€45 -0.2%
Plant, machinery and equipment 23 €1,025 €493 -€532 -51.9%
Furniture and vehicles 24 €113 €3,669 +€3,556 +3138.2%
Current assets 29/58 €125,206 €127,219 +€2,013 +1.6%
Amounts receivable within one year 40/41 €32,147 €26,354 -€5,793 -18.0%
Trade receivables 40 €29,866 €24,495 -€5,371 -18.0%
Other amounts receivable 41 €2,281 €1,859 -€422 -18.5%
Cash at bank and in hand 54/58 €91,059 €100,865 +€9,806 +10.8%
Deferred charges and accrued income 490/1 €2,000 - -€2,000
Total equity and liabilities 10/49 €152,097 €157,089 +€4,992 +3.3%
Equity 10/15 €43,446 €54,043 +€10,597 +24.4%
Contributions 10/11 €18,919 €18,919 = 0.0%
Reserves 13 €24,527 €35,124 +€10,597 +43.2%
Distributable reserves 133 €24,527 €35,124 +€10,597 +43.2%
Amounts payable 17/49 €108,651 €103,045 -€5,605 -5.2%
Amounts payable within one year 42/48 €108,651 €103,045 -€5,605 -5.2%
Financial debts 43 €1,690 €1,682 -€8 -0.5%
Other loans 439 €1,690 €1,682 -€8 -0.5%
Trade debts 44 €84,316 €73,326 -€10,990 -13.0%
Suppliers 440/4 €84,316 €73,326 -€10,990 -13.0%
Taxes, remuneration and social security 45 €18,139 €19,582 +€1,443 +8.0%
Taxes 450/3 €18,139 €964 -€17,175 -94.7%
Remuneration and social security 454/9 - €18,618 +€18,618
Other amounts payable 47/48 €4,505 €8,455 +€3,949 +87.7%
Non-recurring operating income 76A - €4,800 +€4,800
Remuneration, social security and pensions 62 €159,772 €162,963 +€3,191 +2.0%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €1,791 €1,821 +€30 +1.7%
Other operating charges 640/8 €2,125 €2,695 +€571 +26.9%
Gross operating margin 9900 €170,762 €184,093 +€13,331 +7.8%
Operating profit (loss) 9901 €7,075 €16,614 +€9,539 +134.8%
Financial income 75/76B €511 €486 -€26 -5.0%
Recurring financial income 75 €511 €486 -€26 -5.0%
Financial charges 65/66B €349 €539 +€190 +54.3%
Recurring financial charges 65 €349 €539 +€190 +54.3%
Profit (loss) for the period before taxes 9903 €7,237 €16,561 +€9,324 +128.8%
Income taxes 67/77 €3,401 €5,964 +€2,562 +75.3%
Profit (loss) for the period 9904 €3,835 €10,597 +€6,762 +176.3%
Profit (loss) for the period to be appropriated 9905 €3,835 €10,597 +€6,762 +176.3%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.