EASY CREDIT: what changed
What changed
EASY CREDIT
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
-€34,357
2024 · -€51,583+€17,226
Equity
-€162,755
2024 · -€128,399-€34,357
Cash
€592
2024 · €1,902-€1,311
Balance sheet total
€635,162
2024 · €735,537-€100,374
Largest movements
Assets
- Intangible fixed assets -€75,331
down €75,331 (-14.6%), from €514,496 to €439,165
- Tangible fixed assets -€14,860
down €14,860 (-12.8%), from €116,119 to €101,258
of which Land and buildings: -€7,762
- Receivables within one year -€11,553
down €11,553 (-15.8%), from €73,346 to €61,792
of which Trade receivables: -€9,875
Equity and liabilities
- Debts after one year -€89,138
down €89,138 (-18.3%), from €485,785 to €396,647
- Profit (loss) carried forward -€34,357
down €34,357 (-25.5%), from -€134,737 to -€169,094
- Other debts +€28,377
up €28,377 (+20.8%), from €136,501 to €164,878
- Trade debts -€15,122
down €15,122 (-12.0%), from €125,936 to €110,814
Income statement
- Gross operating margin +€13,783
up €13,783 (+6.9%), from €201,054 to €214,838
- Other operating charges -€7,849
down €7,849 (-33.3%), from €23,581 to €15,732
- Depreciation +€4,150
up €4,150 (+4.6%), from €90,553 to €94,703
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
-€51,583
Gross operating margin
+€13,783
Staff costs
-€971
Depreciation
-€4,150
Other operating charges
+€7,849
Financial income
+€225
Financial charges
+€300
Taxes
+€190
Result 2025
-€34,357
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
+€88,915
Investment
-€4,511
Financing
-€85,714
Cash 2024
€1,902
From operations (derived)
+€88,915
Net result for the year
-€34,357
Depreciation
+€94,703
Receivables within one year
+€11,553
Deferred charges and accrued income
-€2,681
Trade debts
-€15,122
Tax, wage and social debts
+€6,506
Other debts
+€28,377
Accrued charges and deferred income
-€63
Investment (derived)
-€4,511
Investment in fixed assets (net)
-€4,511
Financing
-€85,714
Debts after one year
-€89,138
Current portion of long-term debt
+€3,424
Cash 2025
€592
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €735,537 | €635,162 | -€100,374 | -13.6% |
| Fixed assets | 21/28 | €630,615 | €540,423 | -€90,191 | -14.3% |
| Intangible fixed assets | 21 | €514,496 | €439,165 | -€75,331 | -14.6% |
| Tangible fixed assets | 22/27 | €116,119 | €101,258 | -€14,860 | -12.8% |
| Land and buildings | 22 | €80,663 | €72,901 | -€7,762 | -9.6% |
| Furniture and vehicles | 24 | €4,561 | €2,870 | -€1,691 | -37.1% |
| Other tangible fixed assets | 26 | €30,895 | €25,488 | -€5,407 | -17.5% |
| Current assets | 29/58 | €104,922 | €94,739 | -€10,183 | -9.7% |
| Amounts receivable within one year | 40/41 | €73,346 | €61,792 | -€11,553 | -15.8% |
| Trade receivables | 40 | €19,517 | €9,642 | -€9,875 | -50.6% |
| Other amounts receivable | 41 | €53,828 | €52,150 | -€1,678 | -3.1% |
| Cash at bank and in hand | 54/58 | €1,902 | €592 | -€1,311 | -68.9% |
| Deferred charges and accrued income | 490/1 | €29,674 | €32,355 | +€2,681 | +9.0% |
| Total equity and liabilities | 10/49 | €735,537 | €635,162 | -€100,374 | -13.6% |
| Equity | 10/15 | -€128,399 | -€162,755 | -€34,357 | -26.8% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €138 | €138 | = | 0.0% |
| Non-distributable reserves | 130/1 | €138 | €138 | = | 0.0% |
| Reserves not available under the articles | 1311 | €138 | €138 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€134,737 | -€169,094 | -€34,357 | -25.5% |
| Amounts payable | 17/49 | €863,935 | €797,918 | -€66,017 | -7.6% |
| Amounts payable after more than one year | 17 | €485,785 | €396,647 | -€89,138 | -18.3% |
| Financial debts | 170/4 | €485,785 | €396,647 | -€89,138 | -18.3% |
| Amounts payable within one year | 42/48 | €378,022 | €401,206 | +€23,184 | +6.1% |
| Current portion of amounts payable after more than one year | 42 | €87,472 | €90,896 | +€3,424 | +3.9% |
| Trade debts | 44 | €125,936 | €110,814 | -€15,122 | -12.0% |
| Suppliers | 440/4 | €125,936 | €110,814 | -€15,122 | -12.0% |
| Taxes, remuneration and social security | 45 | €28,112 | €34,618 | +€6,506 | +23.1% |
| Taxes | 450/3 | €6,884 | €113 | -€6,771 | -98.4% |
| Remuneration and social security | 454/9 | €21,228 | €34,506 | +€13,277 | +62.5% |
| Other amounts payable | 47/48 | €136,501 | €164,878 | +€28,377 | +20.8% |
| Accrued charges and deferred income | 492/3 | €128 | €66 | -€63 | -49.0% |
| Non-recurring operating income | 76A | - | €6,112 | +€6,112 | |
| Remuneration, social security and pensions | 62 | €129,619 | €130,590 | +€971 | +0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €90,553 | €94,703 | +€4,150 | +4.6% |
| Other operating charges | 640/8 | €23,581 | €15,732 | -€7,849 | -33.3% |
| Gross operating margin | 9900 | €201,054 | €214,838 | +€13,783 | +6.9% |
| Operating profit (loss) | 9901 | -€42,699 | -€26,188 | +€16,511 | +38.7% |
| Financial income | 75/76B | €2,262 | €2,487 | +€225 | +10.0% |
| Recurring financial income | 75 | €2,262 | €2,487 | +€225 | +10.0% |
| Financial charges | 65/66B | €10,653 | €10,354 | -€300 | -2.8% |
| Recurring financial charges | 65 | €10,653 | €10,354 | -€300 | -2.8% |
| Profit (loss) for the period before taxes | 9903 | -€51,090 | -€34,054 | +€17,036 | +33.3% |
| Income taxes | 67/77 | €493 | €303 | -€190 | -38.6% |
| Profit (loss) for the period | 9904 | -€51,583 | -€34,357 | +€17,226 | +33.4% |
| Profit (loss) for the period to be appropriated | 9905 | -€51,583 | -€34,357 | +€17,226 | +33.4% |
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 8 November 2026 via checked.be.