Gorris Verzekeringen: what changed
Two financial 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
Gorris Verzekeringen
NACE 66.220, Insurance agents and brokers
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€517,530
2024 · €439,817+€77,713
Equity
€1.4m
2024 · €921,216+€517,530
Cash
€800,975
2024 · €822,696-€21,721
Balance sheet total
€5.5m
2024 · €3.7m+€1.7m
Largest movements
Assets
- Intangible fixed assets +€1.2m
up €1.2m (+85.8%), from €1.4m to €2.6m
- Receivables within one year +€576,708
up €576,708 (+80.5%), from €716,237 to €1.3m
of which Trade receivables: +€344,300
Equity and liabilities
- Debts after one year +€1.4m
up €1.4m (+131%), from €1.0m to €2.4m
- Reserves +€517,530
up €517,530 (+61.1%), from €846,848 to €1.4m
of which Distributable reserves: +€517,530
- Trade debts -€152,301
down €152,301 (-51.8%), from €294,255 to €141,954
- Short-term financial debts +€70,210
up €70,210 (+5,117%), from €1,372 to €71,582
- Other debts -€61,665
down €61,665 (-4.3%), from €1.4m to €1.4m
Income statement
- Gross operating margin +€173,113
up €173,113 (+10.9%), from €1.6m to €1.8m
- Staff costs +€37,987
up €37,987 (+7.0%), from €541,849 to €579,836
- Depreciation +€36,607
up €36,607 (+12.5%), from €293,979 to €330,587
From the 2024 result to the 2025 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
€439,817
Gross operating margin
+€173,113
Staff costs
-€37,987
Depreciation
-€36,607
Other operating charges
-€346
Financial income
+€882
Financial charges
-€11,127
Taxes
-€10,215
Result 2025
€517,530
raises the resultlowers the result
Derived cash bridge
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
+€80,971
Investment
-€1.5m
Financing
+€1.4m
Cash 2024
€822,696
From operations (derived)
+€80,971
Net result for the year
+€517,530
Depreciation
+€330,587
Receivables within one year
-€576,708
Trade debts
-€152,301
Tax, wage and social debts
+€29,025
Other debts
-€61,665
Accrued charges and deferred income
-€5,497
Investment (derived)
-€1.5m
Investment in fixed assets (net)
-€1.5m
Financing
+€1.4m
Debts after one year
+€1.4m
Short-term financial debts
+€70,210
Cash 2025
€800,975
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €3,742,927 | €5,490,229 | +€1.7m | +46.7% |
| Fixed assets | 21/28 | €2,168,893 | €3,361,208 | +€1.2m | +55.0% |
| Intangible fixed assets | 21 | €1,426,411 | €2,649,961 | +€1.2m | +85.8% |
| Tangible fixed assets | 22/27 | €742,482 | €711,248 | -€31,234 | -4.2% |
| Land and buildings | 22 | €66,787 | €53,333 | -€13,453 | -20.1% |
| Furniture and vehicles | 24 | €287,634 | €298,321 | +€10,687 | +3.7% |
| Other tangible fixed assets | 26 | €388,062 | €359,593 | -€28,468 | -7.3% |
| Current assets | 29/58 | €1,574,034 | €2,129,021 | +€554,987 | +35.3% |
| Amounts receivable after more than one year | 29 | €33,000 | €33,000 | = | 0.0% |
| Other amounts receivable | 291 | €33,000 | €33,000 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €716,237 | €1,292,946 | +€576,708 | +80.5% |
| Trade receivables | 40 | €152,226 | €496,525 | +€344,300 | +226% |
| Other amounts receivable | 41 | €564,012 | €796,421 | +€232,409 | +41.2% |
| Cash at bank and in hand | 54/58 | €822,696 | €800,975 | -€21,721 | -2.6% |
| Deferred charges and accrued income | 490/1 | €2,100 | €2,100 | = | 0.0% |
| Total equity and liabilities | 10/49 | €3,742,927 | €5,490,229 | +€1.7m | +46.7% |
| Equity | 10/15 | €921,216 | €1,438,746 | +€517,530 | +56.2% |
| Contributions | 10/11 | €74,368 | €74,368 | = | 0.0% |
| Capital | 10 | €74,368 | €74,368 | = | 0.0% |
| Issued capital | 100 | €74,368 | €74,368 | = | 0.0% |
| Reserves | 13 | €846,848 | €1,364,378 | +€517,530 | +61.1% |
| Non-distributable reserves | 130/1 | €7,437 | €7,437 | = | 0.0% |
| Legal reserve | 130 | €7,437 | €7,437 | = | 0.0% |
| Distributable reserves | 133 | €839,411 | €1,356,941 | +€517,530 | +61.7% |
| Amounts payable | 17/49 | €2,821,711 | €4,051,483 | +€1.2m | +43.6% |
| Amounts payable after more than one year | 17 | €1,028,000 | €2,378,000 | +€1.4m | +131% |
| Financial debts | 170/4 | €1,028,000 | €2,378,000 | +€1.4m | +131% |
| Amounts payable within one year | 42/48 | €1,785,603 | €1,670,872 | -€114,731 | -6.4% |
| Financial debts | 43 | €1,372 | €71,582 | +€70,210 | +5,117% |
| Other loans | 439 | €1,372 | €71,582 | +€70,210 | +5,117% |
| Trade debts | 44 | €294,255 | €141,954 | -€152,301 | -51.8% |
| Suppliers | 440/4 | €294,255 | €141,954 | -€152,301 | -51.8% |
| Taxes, remuneration and social security | 45 | €67,404 | €96,429 | +€29,025 | +43.1% |
| Taxes | 450/3 | €3,568 | €33,658 | +€30,090 | +843% |
| Remuneration and social security | 454/9 | €63,836 | €62,771 | -€1,065 | -1.7% |
| Other amounts payable | 47/48 | €1,422,572 | €1,360,907 | -€61,665 | -4.3% |
| Accrued charges and deferred income | 492/3 | €8,108 | €2,610 | -€5,497 | -67.8% |
| Non-recurring operating income | 76A | €6,114 | €1,385 | -€4,728 | -77.3% |
| Remuneration, social security and pensions | 62 | €541,849 | €579,836 | +€37,987 | +7.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €293,979 | €330,587 | +€36,607 | +12.5% |
| Other operating charges | 640/8 | €4,470 | €4,815 | +€346 | +7.7% |
| Gross operating margin | 9900 | €1,593,026 | €1,766,139 | +€173,113 | +10.9% |
| Operating profit (loss) | 9901 | €752,728 | €850,901 | +€98,173 | +13.0% |
| Financial income | 75/76B | €7,991 | €8,873 | +€882 | +11.0% |
| Recurring financial income | 75 | €7,991 | €8,873 | +€882 | +11.0% |
| Financial charges | 65/66B | €96,639 | €107,766 | +€11,127 | +11.5% |
| Recurring financial charges | 65 | €96,639 | €107,766 | +€11,127 | +11.5% |
| Profit (loss) for the period before taxes | 9903 | €664,080 | €752,007 | +€87,928 | +13.2% |
| Income taxes | 67/77 | €224,262 | €234,477 | +€10,215 | +4.6% |
| Profit (loss) for the period | 9904 | €439,817 | €517,530 | +€77,713 | +17.7% |
| Profit (loss) for the period to be appropriated | 9905 | €439,817 | €517,530 | +€77,713 | +17.7% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 23 October 2026 via checked.be.