FLB Management: what changed
What changed
FLB Management
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€2,104
2024 · €2,753-€648
Equity
€199,073
2024 · €196,969+€2,104
Cash
€5,315
2024 · €3,372+€1,943
Balance sheet total
€200,273
2024 · €200,779-€506
Largest movements
Assets
No asset line moved by more than 1% of the balance sheet total.
Equity and liabilities
- Current portion of long-term debt -€2,605
down €2,605 (-100%), from €2,605 to €0
- Profit (loss) carried forward +€2,104
up €2,104 (+1.2%), from €174,408 to €176,512
Income statement
- Gross operating margin -€1,005
down €1,005 (-14.0%), from €7,204 to €6,199
- Financial income +€306
up €306 (+101,967%), from €0 to €306
- Depreciation +€192
up €192 (+8.0%), from €2,412 to €2,604
- Taxes -€184
down €184 (-15.6%), from €1,186 to €1,001
- Financial charges -€74
down €74 (-20.1%), from €369 to €295
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
€2,753
Gross operating margin
-€1,005
Depreciation
-€192
Other operating charges
-€15
Financial income
+€306
Financial charges
+€74
Taxes
+€184
Result 2025
€2,104
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
+€6,458
Investment
-€1,910
Financing
-€2,605
Cash 2024
€3,372
From operations (derived)
+€6,458
Net result for the year
+€2,104
Depreciation
+€2,604
Receivables within one year
+€1,767
Deferred charges and accrued income
-€12
Trade debts
-€455
Tax, wage and social debts
+€449
Investment (derived)
-€1,910
Investment in fixed assets (net)
-€1,910
Financing
-€2,605
Current portion of long-term debt
-€2,605
Short-term financial debts
-€0
Cash 2025
€5,315
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €200,779 | €200,273 | -€506 | -0.3% |
| Fixed assets | 21/28 | €155,580 | €154,887 | -€693 | -0.4% |
| Tangible fixed assets | 22/27 | €4,580 | €3,887 | -€693 | -15.1% |
| Furniture and vehicles | 24 | €4,580 | €3,887 | -€693 | -15.1% |
| Financial fixed assets | 28 | €151,000 | €151,000 | = | 0.0% |
| Current assets | 29/58 | €45,199 | €45,386 | +€187 | +0.4% |
| Amounts receivable within one year | 40/41 | €41,666 | €39,899 | -€1,767 | -4.2% |
| Trade receivables | 40 | €38,609 | €33,915 | -€4,694 | -12.2% |
| Other amounts receivable | 41 | €3,057 | €5,984 | +€2,927 | +95.7% |
| Cash at bank and in hand | 54/58 | €3,372 | €5,315 | +€1,943 | +57.6% |
| Deferred charges and accrued income | 490/1 | €161 | €172 | +€12 | +7.1% |
| Total equity and liabilities | 10/49 | €200,779 | €200,273 | -€506 | -0.3% |
| Equity | 10/15 | €196,969 | €199,073 | +€2,104 | +1.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €3,961 | €3,961 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Tax-exempt reserves | 132 | €2,101 | €2,101 | = | 0.0% |
| Profit (loss) carried forward | 14 | €174,408 | €176,512 | +€2,104 | +1.2% |
| Amounts payable | 17/49 | €3,810 | €1,200 | -€2,611 | -68.5% |
| Amounts payable after more than one year | 17 | €0 | - | = | |
| Financial debts | 170/4 | €0 | - | = | |
| Amounts payable within one year | 42/48 | €3,810 | €1,200 | -€2,611 | -68.5% |
| Current portion of amounts payable after more than one year | 42 | €2,605 | €0 | -€2,605 | -100% |
| Financial debts | 43 | €417 | €417 | -€0 | 0.0% |
| Credit institutions | 430/8 | €417 | €417 | -€0 | 0.0% |
| Trade debts | 44 | €788 | €334 | -€455 | -57.7% |
| Suppliers | 440/4 | €788 | €334 | -€455 | -57.7% |
| Taxes, remuneration and social security | 45 | - | €449 | +€449 | |
| Taxes | 450/3 | - | €449 | +€449 | |
| Other amounts payable | 47/48 | €0 | - | = | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,412 | €2,604 | +€192 | +8.0% |
| Other operating charges | 640/8 | €486 | €501 | +€15 | +3.2% |
| Gross operating margin | 9900 | €7,204 | €6,199 | -€1,005 | -14.0% |
| Operating profit (loss) | 9901 | €4,307 | €3,094 | -€1,213 | -28.2% |
| Financial income | 75/76B | €0 | €306 | +€306 | +101,967% |
| Recurring financial income | 75 | €0 | €306 | +€306 | +101,967% |
| Financial charges | 65/66B | €369 | €295 | -€74 | -20.1% |
| Recurring financial charges | 65 | €369 | €295 | -€74 | -20.1% |
| Profit (loss) for the period before taxes | 9903 | €3,939 | €3,106 | -€833 | -21.1% |
| Income taxes | 67/77 | €1,186 | €1,001 | -€184 | -15.6% |
| Profit (loss) for the period | 9904 | €2,753 | €2,104 | -€648 | -23.5% |
| Profit (loss) for the period to be appropriated | 9905 | €2,753 | €2,104 | -€648 | -23.5% |
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 3 November 2026 via checked.be.