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EXPONENTIALS: 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

EXPONENTIALS

BE 0416.629.252
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€4,299
2024 · -€15,329+€11,030
Equity
€37,218
2024 · €44,281-€7,063
Cash
€836
2024 · €6,725-€5,889
Balance sheet total
€64,867
2024 · €87,357-€22,490

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets -€13,406

    down €13,406 (-22.1%), from €60,596 to €47,190

  • Cash -€5,889

    down €5,889 (-87.6%), from €6,725 to €836

    mainly Other debts (-€13,513) and Net result for the year (-€4,299)

  • Intangible fixed assets -€3,472

    down €3,472 (-100.0%), from €3,472 to €0

Equity and liabilities
  • Other debts -€13,513

    down €13,513 (-50.5%), from €26,779 to €13,266

  • Reserves -€4,181

    down €4,181 (-13.1%), from €31,858 to €27,677

  • Profit (loss) carried forward -€2,882

    down €2,882 (-2.1%), from -€135,577 to -€138,459

  • Tax, wage and social debts -€1,781

    down €1,781 (-24.7%), from €7,198 to €5,416

    of which Taxes: -€2,099

  • Provisions -€1,392

    down €1,392 (-20.1%), from €6,924 to €5,532

Income statement
  • Depreciation -€32,889

    down €32,889 (-67.7%), from €48,563 to €15,674

  • Turnover -€21,823

    down €21,823 (-22.3%), from €97,818 to €75,995

  • Gross operating margin -€20,013

    down €20,013 (-30.6%), from €65,355 to €45,342

  • Purchases and services -€5,897

    down €5,897 (-15.1%), from €38,980 to €33,083

  • Other operating charges -€1,551

    down €1,551 (-66.9%), from €2,319 to €768

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 -€15,329
Gross operating margin -€20,013
Staff costs +€489
Depreciation +€32,889
Other operating charges +€1,551
Other operating items -€3,822
Financial charges -€5
Taxes -€59
Result 2025 -€4,299

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 -€4,329
Investment +€1,204
Financing -€2,764
Cash 2024 €6,725
Net result for the year -€4,299
Depreciation +€15,674
Deferred charges and accrued income -€277
Provisions -€1,392
Trade debts +€1,260
Tax, wage and social debts -€1,781
Other debts -€13,513
Investment in fixed assets (net) +€1,204
Contributions, distributions and other -€2,764
Cash 2025 €836
Every line side by side 46 lines
Line Code 2024 2025 Change %
Total assets 20/58 €87,357 €64,867 -€22,490 -25.7%
Fixed assets 21/28 €64,068 €47,190 -€16,878 -26.3%
Intangible fixed assets 21 €3,472 €0 -€3,472 -100.0%
Tangible fixed assets 22/27 €60,596 €47,190 -€13,406 -22.1%
Land and buildings 22 €44,537 €38,137 -€6,400 -14.4%
Furniture and vehicles 24 €6,236 €1,828 -€4,408 -70.7%
Other tangible fixed assets 26 €9,824 €7,225 -€2,598 -26.4%
Current assets 29/58 €23,289 €17,677 -€5,612 -24.1%
Amounts receivable within one year 40/41 €15,253 €15,253 = 0.0%
Trade receivables 40 €15,253 €15,253 = 0.0%
Cash at bank and in hand 54/58 €6,725 €836 -€5,889 -87.6%
Deferred charges and accrued income 490/1 €1,311 €1,588 +€277 +21.1%
Total equity and liabilities 10/49 €87,357 €64,867 -€22,490 -25.7%
Equity 10/15 €44,281 €37,218 -€7,063 -16.0%
Contributions 10/11 €148,000 €148,000 = 0.0%
Reserves 13 €31,858 €27,677 -€4,181 -13.1%
Tax-exempt reserves 132 €31,858 €27,677 -€4,181 -13.1%
Profit (loss) carried forward 14 -€135,577 -€138,459 -€2,882 -2.1%
Provisions and deferred taxes 16 €6,924 €5,532 -€1,392 -20.1%
Deferred taxes 168 €6,924 €5,532 -€1,392 -20.1%
Amounts payable 17/49 €36,152 €22,118 -€14,034 -38.8%
Amounts payable within one year 42/48 €36,152 €22,118 -€14,034 -38.8%
Trade debts 44 €2,176 €3,436 +€1,260 +57.9%
Suppliers 440/4 €2,176 €3,436 +€1,260 +57.9%
Taxes, remuneration and social security 45 €7,198 €5,416 -€1,781 -24.7%
Taxes 450/3 €3,414 €1,316 -€2,099 -61.5%
Remuneration and social security 454/9 €3,783 €4,101 +€317 +8.4%
Other amounts payable 47/48 €26,779 €13,266 -€13,513 -50.5%
Turnover 70 €97,818 €75,995 -€21,823 -22.3%
Non-recurring operating income 76A €76 - -€76
Goods, raw materials, services and sundry goods 60/61 €38,980 €33,083 -€5,897 -15.1%
Remuneration, social security and pensions 62 €33,771 €33,282 -€489 -1.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €48,563 €15,674 -€32,889 -67.7%
Other operating charges 640/8 €2,319 €768 -€1,551 -66.9%
Non-recurring operating charges 66A €0 €3,822 +€3,822
Gross operating margin 9900 €65,355 €45,342 -€20,013 -30.6%
Operating profit (loss) 9901 -€19,298 -€8,204 +€11,094 +57.5%
Financial charges 65/66B €67 €72 +€5 +7.4%
Recurring financial charges 65 €67 €72 +€5 +7.4%
Profit (loss) for the period before taxes 9903 -€19,365 -€8,277 +€11,089 +57.3%
Transfer from deferred taxes 780 €4,156 €4,156 = 0.0%
Income taxes 67/77 €120 €179 +€59 +49.4%
Profit (loss) for the period 9904 -€15,329 -€4,299 +€11,030 +72.0%
Transfer from tax-exempt reserves 789 €4,181 €4,181 = 0.0%
Transfer to tax-exempt reserves 689 €2,764 €2,764 = 0.0%
Profit (loss) for the period to be appropriated 9905 -€13,912 -€2,882 +€11,030 +79.3%

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.