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finans projects: 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

finans projects

BE 0824.977.971
NACE 66.220, Insurance agents and brokers
fiscal year 2023 against 2024filed annual accounts (NBB)
Net result for the year
-€25,056
2023 · -€10,118-€14,938
Equity
-€58,635
2023 · -€33,579-€25,056
Cash
€1,556
2023 · €1,030+€526
Balance sheet total
€6,345
2023 · €10,849-€4,504

Largest movements

2023 to 2024
Assets
  • Tangible fixed assets -€4,296

    down €4,296 (-52.0%), from €8,260 to €3,964

    of which Furniture and vehicles: -€3,848

  • Receivables within one year -€614

    down €614 (-46.1%), from €1,330 to €716

    of which Trade receivables: -€614

  • Cash +€526

    up €526 (+51.1%), from €1,030 to €1,556

    mainly Debts after one year (+€14,677) and Short-term financial debts (+€3,718)

  • Deferred charges and accrued income -€121

    down €121 (-52.8%), from €230 to €108

Equity and liabilities
  • Profit (loss) carried forward -€25,056

    down €25,056 (-47.1%), from -€53,151 to -€78,206

  • Debts after one year +€14,677

    new in 2024: €14,677

  • Short-term financial debts +€3,718

    new in 2024: €3,718

  • Tax, wage and social debts -€3,692

    down €3,692 (-73.1%), from €5,050 to €1,358

    of which Remuneration and social security: -€4,642

  • Current portion of long-term debt +€3,323

    new in 2024: €3,323

Income statement
  • Gross operating margin -€16,092

    down €16,092, from €4,344 to -€11,748

  • Financial charges +€2,837

    up €2,837 (+44.8%), from €6,327 to €9,164

  • Depreciation -€2,405

    down €2,405 (-71.1%), from €3,381 to €976

  • Staff costs -€1,447

    down €1,447 (-34.3%), from €4,216 to €2,769

  • Taxes -€141

    down €141 (-53.3%), from €265 to €124

From the 2023 result to the 2024 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 2023 -€10,118
Gross operating margin -€16,092
Staff costs +€1,447
Depreciation +€2,405
Other operating charges -€19
Financial income +€17
Financial charges -€2,837
Taxes +€141
Result 2024 -€25,056

Cash bridge derived

cash 2023 to 2024

Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations -€24,511
Investment +€3,320
Financing +€21,718
Cash 2023 €1,030
Net result for the year -€25,056
Depreciation +€976
Receivables within one year +€614
Deferred charges and accrued income +€121
Trade debts +€2,598
Tax, wage and social debts -€3,692
Other debts -€68
Accrued charges and deferred income -€5
Investment in fixed assets (net) +€3,320
Debts after one year +€14,677
Current portion of long-term debt +€3,323
Short-term financial debts +€3,718
Cash 2024 €1,556
Every line side by side 44 lines
Line Code 2023 2024 Change %
Total assets 20/58 €10,849 €6,345 -€4,504 -41.5%
Fixed assets 21/28 €8,260 €3,964 -€4,296 -52.0%
Tangible fixed assets 22/27 €8,260 €3,964 -€4,296 -52.0%
Plant, machinery and equipment 23 €2,671 €2,223 -€448 -16.8%
Furniture and vehicles 24 €5,589 €1,741 -€3,848 -68.8%
Current assets 29/58 €2,589 €2,381 -€208 -8.0%
Amounts receivable within one year 40/41 €1,330 €716 -€614 -46.1%
Trade receivables 40 €1,230 €616 -€614 -49.9%
Other amounts receivable 41 €100 €100 = 0.0%
Cash at bank and in hand 54/58 €1,030 €1,556 +€526 +51.1%
Deferred charges and accrued income 490/1 €230 €108 -€121 -52.8%
Total equity and liabilities 10/49 €10,849 €6,345 -€4,504 -41.5%
Equity 10/15 -€33,579 -€58,635 -€25,056 -74.6%
Contributions 10/11 €3,952 €3,952 = 0.0%
Reserves 13 €15,620 €15,620 = 0.0%
Distributable reserves 133 €15,620 €15,620 = 0.0%
Profit (loss) carried forward 14 -€53,151 -€78,206 -€25,056 -47.1%
Amounts payable 17/49 €44,428 €64,980 +€20,551 +46.3%
Amounts payable after more than one year 17 - €14,677 +€14,677
Financial debts 170/4 - €14,677 +€14,677
Amounts payable within one year 42/48 €44,199 €50,078 +€5,879 +13.3%
Current portion of amounts payable after more than one year 42 - €3,323 +€3,323
Financial debts 43 - €3,718 +€3,718
Other loans 439 - €3,718 +€3,718
Trade debts 44 €20,959 €23,557 +€2,598 +12.4%
Suppliers 440/4 €20,959 €23,557 +€2,598 +12.4%
Taxes, remuneration and social security 45 €5,050 €1,358 -€3,692 -73.1%
Taxes 450/3 €407 €1,358 +€951 +233.4%
Remuneration and social security 454/9 €4,642 - -€4,642
Other amounts payable 47/48 €18,190 €18,122 -€68 -0.4%
Accrued charges and deferred income 492/3 €230 €225 -€5 -2.1%
Remuneration, social security and pensions 62 €4,216 €2,769 -€1,447 -34.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €3,381 €976 -€2,405 -71.1%
Other operating charges 640/8 €273 €292 +€19 +6.9%
Gross operating margin 9900 €4,344 -€11,748 -€16,092
Operating profit (loss) 9901 -€3,526 -€15,785 -€12,259 -347.7%
Financial income 75/76B - €17 +€17
Recurring financial income 75 - €17 +€17
Financial charges 65/66B €6,327 €9,164 +€2,837 +44.8%
Recurring financial charges 65 €6,327 €9,164 +€2,837 +44.8%
Profit (loss) for the period before taxes 9903 -€9,853 -€24,932 -€15,079 -153.0%
Income taxes 67/77 €265 €124 -€141 -53.3%
Profit (loss) for the period 9904 -€10,118 -€25,056 -€14,938 -147.6%
Profit (loss) for the period to be appropriated 9905 -€10,118 -€25,056 -€14,938 -147.6%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.