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i-FUTURE: 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

i-FUTURE

BE 0753.928.639
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€41,292
2024 · €45,400-€4,108
Equity
€96,462
2024 · €55,170+€41,292
Cash
€3
2024 · €9,669-€9,666
Balance sheet total
€277,485
2024 · €278,476-€991

Largest movements

2024 to 2025
Assets
  • Intangible fixed assets -€30,000

    down €30,000 (-17.1%), from €175,644 to €145,644

  • Tangible fixed assets +€19,581

    up €19,581 (+50.1%), from €39,092 to €58,672

    of which Land and buildings: +€15,795

  • Receivables within one year +€18,907

    up €18,907 (+39.0%), from €48,482 to €67,389

  • Cash -€9,666

    down €9,666 (-100.0%), from €9,669 to €3

    mainly Debts after one year (-€30,356) and Investment in fixed assets (net) (-€24,222)

Equity and liabilities
  • Profit (loss) carried forward +€41,292

    up €41,292 (+75.0%), from €55,070 to €96,362

  • Debts after one year -€30,356

    down €30,356 (-20.7%), from €146,556 to €116,200

  • Trade debts -€20,284

    down €20,284 (-76.7%), from €26,453 to €6,169

  • Tax, wage and social debts +€3,392

    up €3,392 (+22.4%), from €15,118 to €18,510

    of which Taxes: +€1,915

Income statement
  • Gross operating margin +€6,385

    up €6,385 (+5.8%), from €110,858 to €117,243

  • Staff costs +€6,222

    up €6,222 (+43.9%), from €14,186 to €20,408

  • Depreciation +€3,854

    up €3,854 (+12.4%), from €31,088 to €34,942

  • Financial charges -€1,511

    down €1,511 (-23.4%), from €6,452 to €4,942

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 €45,400
Gross operating margin +€6,385
Staff costs -€6,222
Depreciation -€3,854
Other operating charges -€1,017
Financial income +€251
Financial charges +€1,511
Taxes -€1,161
Result 2025 €41,292

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 +€42,442
Investment -€24,222
Financing -€27,887
Cash 2024 €9,669
Net result for the year +€41,292
Depreciation +€34,942
Receivables within one year -€18,907
Deferred charges and accrued income -€489
Trade debts -€20,284
Tax, wage and social debts +€3,392
Accrued charges and deferred income +€2,496
Investment in fixed assets (net) -€24,222
Debts after one year -€30,356
Current portion of long-term debt +€846
Short-term financial debts +€1,623
Cash 2025 €3
Every line side by side 45 lines
Line Code 2024 2025 Change %
Total assets 20/58 €278,476 €277,485 -€991 -0.4%
Formation expenses 20 €301 €0 -€301 -100.0%
Fixed assets 21/28 €217,286 €206,866 -€10,419 -4.8%
Intangible fixed assets 21 €175,644 €145,644 -€30,000 -17.1%
Tangible fixed assets 22/27 €39,092 €58,672 +€19,581 +50.1%
Land and buildings 22 €38,744 €54,538 +€15,795 +40.8%
Plant, machinery and equipment 23 - €3,132 +€3,132
Furniture and vehicles 24 €348 €1,003 +€654 +188.0%
Financial fixed assets 28 €2,550 €2,550 = 0.0%
Current assets 29/58 €60,889 €70,619 +€9,730 +16.0%
Amounts receivable within one year 40/41 €48,482 €67,389 +€18,907 +39.0%
Other amounts receivable 41 €48,482 €67,389 +€18,907 +39.0%
Cash at bank and in hand 54/58 €9,669 €3 -€9,666 -100.0%
Deferred charges and accrued income 490/1 €2,738 €3,227 +€489 +17.9%
Total equity and liabilities 10/49 €278,476 €277,485 -€991 -0.4%
Equity 10/15 €55,170 €96,462 +€41,292 +74.8%
Contributions 10/11 €100 €100 = 0.0%
Profit (loss) carried forward 14 €55,070 €96,362 +€41,292 +75.0%
Amounts payable 17/49 €223,306 €181,023 -€42,283 -18.9%
Amounts payable after more than one year 17 €146,556 €116,200 -€30,356 -20.7%
Financial debts 170/4 €146,556 €116,200 -€30,356 -20.7%
Amounts payable within one year 42/48 €76,750 €62,327 -€14,423 -18.8%
Current portion of amounts payable after more than one year 42 €29,509 €30,356 +€846 +2.9%
Financial debts 43 €5,669 €7,292 +€1,623 +28.6%
Credit institutions 430/8 €5,669 €7,292 +€1,623 +28.6%
Trade debts 44 €26,453 €6,169 -€20,284 -76.7%
Suppliers 440/4 €26,453 €6,169 -€20,284 -76.7%
Taxes, remuneration and social security 45 €15,118 €18,510 +€3,392 +22.4%
Taxes 450/3 €11,749 €13,663 +€1,915 +16.3%
Remuneration and social security 454/9 €3,370 €4,847 +€1,477 +43.8%
Accrued charges and deferred income 492/3 - €2,496 +€2,496
Remuneration, social security and pensions 62 €14,186 €20,408 +€6,222 +43.9%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €31,088 €34,942 +€3,854 +12.4%
Other operating charges 640/8 €628 €1,645 +€1,017 +162.1%
Non-recurring operating charges 66A €0 - =
Gross operating margin 9900 €110,858 €117,243 +€6,385 +5.8%
Operating profit (loss) 9901 €64,956 €60,248 -€4,708 -7.2%
Financial income 75/76B €2,982 €3,233 +€251 +8.4%
Recurring financial income 75 €2,982 €3,233 +€251 +8.4%
Financial charges 65/66B €6,452 €4,942 -€1,511 -23.4%
Recurring financial charges 65 €6,452 €4,942 -€1,511 -23.4%
Profit (loss) for the period before taxes 9903 €61,486 €58,539 -€2,947 -4.8%
Income taxes 67/77 €16,086 €17,247 +€1,161 +7.2%
Profit (loss) for the period 9904 €45,400 €41,292 -€4,108 -9.0%
Profit (loss) for the period to be appropriated 9905 €45,400 €41,292 -€4,108 -9.0%

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.