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HADVISORY: 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

HADVISORY

BE 0687.684.072
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€74,992
2024 · €81,046-€6,053
Equity
€20,504
2024 · €20,511-€8
Cash
€20,443
2024 · €71,354-€50,910
Balance sheet total
€415,426
2024 · €260,686+€154,741

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets +€188,759

    up €188,759 (+100.6%), from €187,611 to €376,370

    of which Land and buildings: +€187,978

  • Cash -€50,910

    down €50,910 (-71.3%), from €71,354 to €20,443

    mainly Investment in fixed assets (net) (-€226,212) and Contributions, distributions and other (-€75,000)

  • Receivables within one year +€16,173

    new in 2025: €16,173

Equity and liabilities
  • Debts after one year +€150,819

    up €150,819 (+103.0%), from €146,452 to €297,271

    of which Financial debts: +€148,194

  • Other debts -€17,635

    down €17,635 (-21.4%), from €82,327 to €64,692

  • Trade debts +€14,455

    up €14,455 (+13711.6%), from €105 to €14,560

  • Current portion of long-term debt +€6,313

    up €6,313 (+118.2%), from €5,343 to €11,655

Income statement
  • Depreciation +€30,225

    up €30,225 (+418.1%), from €7,228 to €37,453

  • Gross operating margin +€22,329

    up €22,329 (+17.7%), from €126,195 to €148,525

  • Taxes -€2,259

    down €2,259 (-7.6%), from €29,700 to €27,441

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 €81,046
Gross operating margin +€22,329
Depreciation -€30,225
Other operating charges -€331
Financial income -€2
Financial charges -€83
Taxes +€2,259
Result 2025 €74,992

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 +€93,170
Investment -€226,212
Financing +€82,131
Cash 2024 €71,354
Net result for the year +€74,992
Depreciation +€37,453
Receivables within one year -€16,173
Deferred charges and accrued income -€719
Trade debts +€14,455
Smaller working-capital items +€797
Other debts -€17,635
Investment in fixed assets (net) -€226,212
Debts after one year +€150,819
Current portion of long-term debt +€6,313
Contributions, distributions and other -€75,000
Cash 2025 €20,443
Every line side by side 40 lines
Line Code 2024 2025 Change %
Total assets 20/58 €260,686 €415,426 +€154,741 +59.4%
Fixed assets 21/28 €187,611 €376,370 +€188,759 +100.6%
Tangible fixed assets 22/27 €187,611 €376,370 +€188,759 +100.6%
Land and buildings 22 €183,042 €371,020 +€187,978 +102.7%
Plant, machinery and equipment 23 €840 €752 -€88 -10.4%
Furniture and vehicles 24 €420 €2,489 +€2,069 +493.1%
Other tangible fixed assets 26 €3,309 €2,109 -€1,201 -36.3%
Current assets 29/58 €73,075 €39,056 -€34,018 -46.6%
Amounts receivable within one year 40/41 - €16,173 +€16,173
Trade receivables 40 - €16,173 +€16,173
Cash at bank and in hand 54/58 €71,354 €20,443 -€50,910 -71.3%
Deferred charges and accrued income 490/1 €1,721 €2,440 +€719 +41.8%
Total equity and liabilities 10/49 €260,686 €415,426 +€154,741 +59.4%
Equity 10/15 €20,511 €20,504 -€8 0.0%
Contributions 10/11 €20,405 €20,405 = 0.0%
Profit (loss) carried forward 14 €106 €99 -€8 -7.2%
Amounts payable 17/49 €240,174 €394,922 +€154,748 +64.4%
Amounts payable after more than one year 17 €146,452 €297,271 +€150,819 +103.0%
Financial debts 170/4 €141,517 €289,711 +€148,194 +104.7%
Other amounts payable 178/9 €4,935 €7,560 +€2,625 +53.2%
Amounts payable within one year 42/48 €93,315 €96,848 +€3,533 +3.8%
Current portion of amounts payable after more than one year 42 €5,343 €11,655 +€6,313 +118.2%
Trade debts 44 €105 €14,560 +€14,455 +13711.6%
Suppliers 440/4 €105 €14,560 +€14,455 +13711.6%
Taxes, remuneration and social security 45 €5,540 €5,940 +€400 +7.2%
Taxes 450/3 €5,540 €5,940 +€400 +7.2%
Other amounts payable 47/48 €82,327 €64,692 -€17,635 -21.4%
Accrued charges and deferred income 492/3 €407 €804 +€397 +97.5%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €7,228 €37,453 +€30,225 +418.1%
Other operating charges 640/8 €2,242 €2,574 +€331 +14.8%
Gross operating margin 9900 €126,195 €148,525 +€22,329 +17.7%
Operating profit (loss) 9901 €116,724 €108,498 -€8,227 -7.0%
Financial income 75/76B €3 €1 -€2 -79.4%
Recurring financial income 75 €3 €1 -€2 -79.4%
Financial charges 65/66B €5,982 €6,065 +€83 +1.4%
Recurring financial charges 65 €5,982 €6,065 +€83 +1.4%
Profit (loss) for the period before taxes 9903 €110,745 €102,433 -€8,312 -7.5%
Income taxes 67/77 €29,700 €27,441 -€2,259 -7.6%
Profit (loss) for the period 9904 €81,046 €74,992 -€6,053 -7.5%
Profit (loss) for the period to be appropriated 9905 €81,046 €74,992 -€6,053 -7.5%

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 28 September 2026 via checked.be.