HENDRIKS 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.
HENDRIKS VERZEKERINGEN
Largest movements
- Receivables within one year +€113,157
up €113,157 (+167%), from €67,713 to €180,870
of which Other amounts receivable: +€112,744
- Intangible fixed assets -€72,157
down €72,157 (-52.3%), from €138,056 to €65,899
- Current portion of long-term debt +€34,902
up €34,902 (+43.9%), from €79,590 to €114,492
- Trade debts +€22,616
up €22,616 (+115%), from €19,644 to €42,261
- Debts after one year +€16,634
up €16,634 (+3.2%), from €516,712 to €533,346
- Profit (loss) carried forward -€14,955
down €14,955 (-6.1%), from -€244,755 to -€259,710
- Other debts -€9,399
down €9,399 (-10.4%), from €90,399 to €81,000
- Gross operating margin -€11,718
down €11,718 (-13.5%), from €86,810 to €75,092
- Depreciation -€10,237
down €10,237 (-11.4%), from €90,036 to €79,799
- Financial income +€4,322
up €4,322 (+82.2%), from €5,258 to €9,580
- Financial charges +€1,240
up €1,240 (+7.0%), from €17,726 to €18,966
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €501,637 | €544,364 | +€42,727 | +8.5% |
| Fixed assets | 21/28 | €258,961 | €181,691 | -€77,270 | -29.8% |
| Intangible fixed assets | 21 | €138,056 | €65,899 | -€72,157 | -52.3% |
| Tangible fixed assets | 22/27 | €118,082 | €112,969 | -€5,113 | -4.3% |
| Land and buildings | 22 | €118,082 | €110,502 | -€7,580 | -6.4% |
| Furniture and vehicles | 24 | €0 | €2,467 | +€2,467 | |
| Financial fixed assets | 28 | €2,822 | €2,822 | = | 0.0% |
| Current assets | 29/58 | €242,676 | €362,673 | +€119,997 | +49.4% |
| Amounts receivable after more than one year | 29 | €164,000 | €164,000 | = | 0.0% |
| Other amounts receivable | 291 | €164,000 | €164,000 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €67,713 | €180,870 | +€113,157 | +167% |
| Trade receivables | 40 | €19,400 | €19,813 | +€414 | +2.1% |
| Other amounts receivable | 41 | €48,313 | €161,057 | +€112,744 | +233% |
| Cash at bank and in hand | 54/58 | €4,091 | €8,773 | +€4,682 | +114% |
| Deferred charges and accrued income | 490/1 | €6,872 | €9,030 | +€2,157 | +31.4% |
| Total equity and liabilities | 10/49 | €501,637 | €544,364 | +€42,727 | +8.5% |
| Equity | 10/15 | -€236,696 | -€251,651 | -€14,955 | -6.3% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €1,859 | €1,859 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,859 | €1,859 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,859 | €1,859 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€244,755 | -€259,710 | -€14,955 | -6.1% |
| Amounts payable | 17/49 | €738,333 | €796,015 | +€57,682 | +7.8% |
| Amounts payable after more than one year | 17 | €516,712 | €533,346 | +€16,634 | +3.2% |
| Financial debts | 170/4 | €516,712 | €533,346 | +€16,634 | +3.2% |
| Amounts payable within one year | 42/48 | €198,673 | €246,331 | +€47,658 | +24.0% |
| Current portion of amounts payable after more than one year | 42 | €79,590 | €114,492 | +€34,902 | +43.9% |
| Financial debts | 43 | €3,158 | €3,528 | +€370 | +11.7% |
| Credit institutions | 430/8 | €3,158 | €3,528 | +€370 | +11.7% |
| Trade debts | 44 | €19,644 | €42,261 | +€22,616 | +115% |
| Suppliers | 440/4 | €19,644 | €42,261 | +€22,616 | +115% |
| Advances received on contracts in progress | 46 | €1,950 | €1,950 | = | 0.0% |
| Taxes, remuneration and social security | 45 | €3,931 | €3,100 | -€831 | -21.1% |
| Taxes | 450/3 | €3,931 | €3,100 | -€831 | -21.1% |
| Other amounts payable | 47/48 | €90,399 | €81,000 | -€9,399 | -10.4% |
| Accrued charges and deferred income | 492/3 | €22,948 | €16,338 | -€6,610 | -28.8% |
| Remuneration, social security and pensions | 62 | €0 | - | = | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €90,036 | €79,799 | -€10,237 | -11.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €0 | - | = | |
| Other operating charges | 640/8 | €630 | €862 | +€233 | +36.9% |
| Non-recurring operating charges | 66A | €0 | - | = | |
| Gross operating margin | 9900 | €86,810 | €75,092 | -€11,718 | -13.5% |
| Operating profit (loss) | 9901 | -€3,855 | -€5,569 | -€1,714 | -44.5% |
| Financial income | 75/76B | €5,258 | €9,580 | +€4,322 | +82.2% |
| Recurring financial income | 75 | €5,258 | €9,580 | +€4,322 | +82.2% |
| Financial charges | 65/66B | €17,726 | €18,966 | +€1,240 | +7.0% |
| Recurring financial charges | 65 | €17,726 | €18,966 | +€1,240 | +7.0% |
| Profit (loss) for the period before taxes | 9903 | -€16,323 | -€14,955 | +€1,368 | +8.4% |
| Profit (loss) for the period | 9904 | -€16,323 | -€14,955 | +€1,368 | +8.4% |
| Profit (loss) for the period to be appropriated | 9905 | -€16,323 | -€14,955 | +€1,368 | +8.4% |
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 20 October 2026 via checked.be.