GEFIPA ASSUMIX: what changed
What changed
GEFIPA ASSUMIX
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€68,100
2024 · €51,824+€16,276
Equity
€459,565
2024 · €427,914+€31,650
Cash
€101,277
2024 · €58,345+€42,932
Balance sheet total
€909,748
2024 · €959,776-€50,028
Largest movements
Assets
- Intangible fixed assets -€80,188
down €80,188 (-28.9%), from €277,626 to €197,437
- Cash +€42,932
up €42,932 (+73.6%), from €58,345 to €101,277
mainly Depreciation (+€151,492) and Net result for the year (+€68,100)
- Tangible fixed assets -€39,402
down €39,402 (-15.5%), from €254,776 to €215,374
of which Furniture and vehicles: -€36,400
- Receivables within one year +€22,081
up €22,081 (+26.1%), from €84,747 to €106,828
of which Other amounts receivable: +€13,015
- Current investments +€16,506
up €16,506 (+18.9%), from €87,221 to €103,727
Equity and liabilities
- Debts after one year -€60,811
down €60,811 (-25.5%), from €238,695 to €177,884
- Reserves +€31,650
up €31,650 (+8.1%), from €390,284 to €421,934
- Other debts -€14,991
down €14,991 (-10.6%), from €141,586 to €126,594
Income statement
- Gross operating margin +€92,089
up €92,089 (+14.5%), from €634,978 to €727,067
- Staff costs +€60,946
up €60,946 (+15.9%), from €384,164 to €445,110
- Depreciation +€20,105
up €20,105 (+15.3%), from €131,387 to €151,492
- Taxes -€12,040
down €12,040 (-25.7%), from €46,784 to €34,744
- Financial charges +€8,291
up €8,291 (+57.4%), from €14,449 to €22,741
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
€51,824
Gross operating margin
+€92,089
Staff costs
-€60,946
Depreciation
-€20,105
Write-downs
-€530
Other operating charges
-€409
Other operating items
+€1,751
Financial income
+€677
Financial charges
-€8,291
Taxes
+€12,040
Result 2025
€68,100
raises the resultlowers the resultnot broken down further in the accounts
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
+€185,311
Investment
-€48,407
Financing
-€93,972
Cash 2024
€58,345
From operations (derived)
+€185,311
Net result for the year
+€68,100
Depreciation
+€151,492
Receivables after one year
+€14,600
Receivables within one year
-€22,081
Deferred charges and accrued income
-€2,644
Trade debts
-€8,435
Tax, wage and social debts
+€366
Other debts
-€14,991
Accrued charges and deferred income
-€1,096
Investment (derived)
-€48,407
Investment in fixed assets (net)
-€31,901
Current investments
-€16,506
Financing
-€93,972
Debts after one year
-€60,811
Current portion of long-term debt
+€3,289
Contributions, distributions and other
-€36,450
Cash 2025
€101,277
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €959,776 | €909,748 | -€50,028 | -5.2% |
| Fixed assets | 21/28 | €532,402 | €412,811 | -€119,591 | -22.5% |
| Intangible fixed assets | 21 | €277,626 | €197,437 | -€80,188 | -28.9% |
| Tangible fixed assets | 22/27 | €254,776 | €215,374 | -€39,402 | -15.5% |
| Land and buildings | 22 | €4,124 | €3,631 | -€493 | -12.0% |
| Furniture and vehicles | 24 | €223,571 | €187,171 | -€36,400 | -16.3% |
| Other tangible fixed assets | 26 | €27,081 | €24,572 | -€2,510 | -9.3% |
| Current assets | 29/58 | €427,374 | €496,936 | +€69,563 | +16.3% |
| Amounts receivable after more than one year | 29 | €189,640 | €175,040 | -€14,600 | -7.7% |
| Other amounts receivable | 291 | €189,640 | €175,040 | -€14,600 | -7.7% |
| Amounts receivable within one year | 40/41 | €84,747 | €106,828 | +€22,081 | +26.1% |
| Trade receivables | 40 | €84,747 | €93,813 | +€9,066 | +10.7% |
| Other amounts receivable | 41 | - | €13,015 | +€13,015 | |
| Current investments | 50/53 | €87,221 | €103,727 | +€16,506 | +18.9% |
| Cash at bank and in hand | 54/58 | €58,345 | €101,277 | +€42,932 | +73.6% |
| Deferred charges and accrued income | 490/1 | €7,420 | €10,064 | +€2,644 | +35.6% |
| Total equity and liabilities | 10/49 | €959,776 | €909,748 | -€50,028 | -5.2% |
| Equity | 10/15 | €427,914 | €459,565 | +€31,650 | +7.4% |
| Contributions | 10/11 | €37,630 | €37,630 | = | 0.0% |
| Reserves | 13 | €390,284 | €421,934 | +€31,650 | +8.1% |
| Distributable reserves | 133 | €390,284 | €421,934 | +€31,650 | +8.1% |
| Amounts payable | 17/49 | €531,861 | €450,183 | -€81,678 | -15.4% |
| Amounts payable after more than one year | 17 | €238,695 | €177,884 | -€60,811 | -25.5% |
| Financial debts | 170/4 | €238,695 | €177,884 | -€60,811 | -25.5% |
| Amounts payable within one year | 42/48 | €284,858 | €265,086 | -€19,771 | -6.9% |
| Current portion of amounts payable after more than one year | 42 | €70,909 | €74,198 | +€3,289 | +4.6% |
| Trade debts | 44 | €26,463 | €18,028 | -€8,435 | -31.9% |
| Suppliers | 440/4 | €26,463 | €18,028 | -€8,435 | -31.9% |
| Taxes, remuneration and social security | 45 | €45,900 | €46,265 | +€366 | +0.8% |
| Taxes | 450/3 | €1,771 | - | -€1,771 | |
| Remuneration and social security | 454/9 | €44,129 | €46,265 | +€2,136 | +4.8% |
| Other amounts payable | 47/48 | €141,586 | €126,594 | -€14,991 | -10.6% |
| Accrued charges and deferred income | 492/3 | €8,308 | €7,213 | -€1,096 | -13.2% |
| Non-recurring operating income | 76A | - | €2,798 | +€2,798 | |
| Remuneration, social security and pensions | 62 | €384,164 | €445,110 | +€60,946 | +15.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €131,387 | €151,492 | +€20,105 | +15.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | -€1,100 | -€570 | +€530 | +48.1% |
| Other operating charges | 640/8 | €5,903 | €6,313 | +€409 | +6.9% |
| Non-recurring operating charges | 66A | €1,751 | - | -€1,751 | |
| Gross operating margin | 9900 | €634,978 | €727,067 | +€92,089 | +14.5% |
| Operating profit (loss) | 9901 | €112,873 | €124,723 | +€11,850 | +10.5% |
| Financial income | 75/76B | €185 | €862 | +€677 | +367% |
| Recurring financial income | 75 | €185 | €862 | +€677 | +367% |
| Financial charges | 65/66B | €14,449 | €22,741 | +€8,291 | +57.4% |
| Recurring financial charges | 65 | €14,449 | €22,741 | +€8,291 | +57.4% |
| Profit (loss) for the period before taxes | 9903 | €98,608 | €102,844 | +€4,236 | +4.3% |
| Income taxes | 67/77 | €46,784 | €34,744 | -€12,040 | -25.7% |
| Profit (loss) for the period | 9904 | €51,824 | €68,100 | +€16,276 | +31.4% |
| Profit (loss) for the period to be appropriated | 9905 | €51,824 | €68,100 | +€16,276 | +31.4% |
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Compare this company with its sector.Sector benchmark
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 5 November 2026 via checked.be.