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ERIL: 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

ERIL

BE 0806.008.533
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€4,350
2024 · -€11,014+€15,364
Equity
€50,583
2024 · €60,133-€9,550
Cash
€55,853
2024 · €89,733-€33,880
Balance sheet total
€64,853
2024 · €91,780-€26,927

Largest movements

2024 to 2025
Assets
  • Cash -€33,880

    down €33,880 (-37.8%), from €89,733 to €55,853

    mainly Contributions, distributions and other (-€13,900) and Tax, wage and social debts (-€9,957)

  • Receivables within one year +€7,732

    up €7,732, from €0 to €7,732

Equity and liabilities
  • Reserves -€13,900

    down €13,900 (-26.4%), from €52,597 to €38,697

    of which Distributable reserves: -€12,045

  • Tax, wage and social debts -€9,957

    down €9,957 (-96.4%), from €10,328 to €370

  • Other debts -€6,759

    down €6,759 (-32.7%), from €20,659 to €13,900

  • Profit (loss) carried forward +€4,350

    up €4,350 (+39.5%), from -€11,014 to -€6,664

Income statement
  • Gross operating margin +€8,078

    up €8,078, from -€2,288 to €5,790

  • Depreciation -€7,796

    down €7,796 (-95.0%), from €8,204 to €407

  • Taxes +€285

    up €285 (+154.9%), from €184 to €469

  • Financial income -€208

    down €208 (-36.3%), from €575 to €366

  • Other operating charges +€77

    up €77 (+10.2%), from €748 to €825

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 -€11,014
Gross operating margin +€8,078
Depreciation +€7,796
Other operating charges -€77
Financial income -€208
Financial charges +€60
Taxes -€285
Result 2025 €4,350

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 -€19,980
Investment €0
Financing -€13,900
Cash 2024 €89,733
Net result for the year +€4,350
Depreciation +€407
Receivables within one year -€7,732
Deferred charges and accrued income +€371
Trade debts -€661
Tax, wage and social debts -€9,957
Other debts -€6,759
Contributions, distributions and other -€13,900
Cash 2025 €55,853
Every line side by side 38 lines
Line Code 2024 2025 Change %
Total assets 20/58 €91,780 €64,853 -€26,927 -29.3%
Fixed assets 21/28 €407 €0 -€407 -100.0%
Tangible fixed assets 22/27 €407 €0 -€407 -100.0%
Plant, machinery and equipment 23 €135 €0 -€135 -100.0%
Furniture and vehicles 24 €272 €0 -€272 -100.0%
Current assets 29/58 €91,373 €64,853 -€26,520 -29.0%
Amounts receivable within one year 40/41 €0 €7,732 +€7,732
Other amounts receivable 41 €0 €7,732 +€7,732
Cash at bank and in hand 54/58 €89,733 €55,853 -€33,880 -37.8%
Deferred charges and accrued income 490/1 €1,639 €1,268 -€371 -22.7%
Total equity and liabilities 10/49 €91,780 €64,853 -€26,927 -29.3%
Equity 10/15 €60,133 €50,583 -€9,550 -15.9%
Contributions 10/11 €18,550 €18,550 = 0.0%
Reserves 13 €52,597 €38,697 -€13,900 -26.4%
Non-distributable reserves 130/1 €1,855 €0 -€1,855 -100.0%
Reserves not available under the articles 1311 €1,855 €0 -€1,855 -100.0%
Distributable reserves 133 €50,742 €38,697 -€12,045 -23.7%
Profit (loss) carried forward 14 -€11,014 -€6,664 +€4,350 +39.5%
Amounts payable 17/49 €31,647 €14,270 -€17,377 -54.9%
Amounts payable within one year 42/48 €31,647 €14,270 -€17,377 -54.9%
Trade debts 44 €661 €0 -€661 -100.0%
Suppliers 440/4 €661 €0 -€661 -100.0%
Taxes, remuneration and social security 45 €10,328 €370 -€9,957 -96.4%
Taxes 450/3 €10,328 €370 -€9,957 -96.4%
Other amounts payable 47/48 €20,659 €13,900 -€6,759 -32.7%
Non-recurring operating income 76A €0 - =
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €8,204 €407 -€7,796 -95.0%
Other operating charges 640/8 €748 €825 +€77 +10.2%
Gross operating margin 9900 -€2,288 €5,790 +€8,078
Operating profit (loss) 9901 -€11,240 €4,558 +€15,798
Financial income 75/76B €575 €366 -€208 -36.3%
Recurring financial income 75 €575 €366 -€208 -36.3%
Financial charges 65/66B €165 €105 -€60 -36.3%
Recurring financial charges 65 €165 €105 -€60 -36.3%
Profit (loss) for the period before taxes 9903 -€10,830 €4,819 +€15,650
Income taxes 67/77 €184 €469 +€285 +154.9%
Profit (loss) for the period 9904 -€11,014 €4,350 +€15,364
Profit (loss) for the period to be appropriated 9905 -€11,014 €4,350 +€15,364

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 28 September 2026 via checked.be.