Ides Ramboer: what changed
What changed
Ides Ramboer
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€273,606
2024 · €307,475-€33,869
Equity
€7.0m
2024 · €6.8m+€266,966
Cash
€1.7m
2024 · €1.0m+€701,809
Balance sheet total
€9.1m
2024 · €8.9m+€250,239
Largest movements
Assets
- Cash +€701,809
up €701,809 (+69.3%), from €1.0m to €1.7m
mainly Receivables within one year (+€360,435) and Net result for the year (+€273,606)
- Receivables within one year -€360,435
down €360,435 (-54.5%), from €661,181 to €300,746
of which Trade receivables: -€415,796
- Tangible fixed assets -€91,995
down €91,995 (-3.4%), from €2.7m to €2.6m
of which Land and buildings: -€165,516
Equity and liabilities
- Profit (loss) carried forward +€273,606
up €273,606 (+16.4%), from €1.7m to €1.9m
Income statement
- Staff costs +€165,790
up €165,790 (+20.3%), from €815,396 to €981,186
- Gross operating margin +€113,753
up €113,753 (+9.9%), from €1.1m to €1.3m
- Taxes -€107,834
down €107,834, from €89,038 to -€18,795
- Financial income -€80,060
down €80,060 (-23.0%), from €348,488 to €268,428
- Depreciation +€14,706
up €14,706 (+7.2%), from €203,396 to €218,103
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
€307,475
Gross operating margin
+€113,753
Staff costs
-€165,790
Depreciation
-€14,706
Other operating charges
-€1,002
Financial income
-€80,060
Financial charges
+€6,103
Taxes
+€107,834
Result 2025
€273,606
raises the resultlowers the result
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
+€834,557
Investment
-€126,108
Financing
-€6,640
Cash 2024
€1.0m
From operations (derived)
+€834,557
Net result for the year
+€273,606
Depreciation
+€218,103
Receivables within one year
+€360,435
Deferred charges and accrued income
-€860
Provisions
-€2,789
Trade debts
-€41,604
Tax, wage and social debts
-€7,440
Other debts
+€34,130
Accrued charges and deferred income
+€975
Investment (derived)
-€126,108
Investment in fixed assets (net)
-€126,108
Financing
-€6,640
Contributions, distributions and other
-€6,640
Cash 2025
€1.7m
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €8,878,867 | €9,129,105 | +€250,239 | +2.8% |
| Fixed assets | 21/28 | €6,170,270 | €6,078,276 | -€91,995 | -1.5% |
| Tangible fixed assets | 22/27 | €2,686,767 | €2,594,772 | -€91,995 | -3.4% |
| Land and buildings | 22 | €2,618,941 | €2,453,425 | -€165,516 | -6.3% |
| Plant, machinery and equipment | 23 | €22,248 | €13,628 | -€8,621 | -38.7% |
| Furniture and vehicles | 24 | €45,578 | €127,720 | +€82,142 | +180% |
| Financial fixed assets | 28 | €3,483,503 | €3,483,503 | = | 0.0% |
| Current assets | 29/58 | €2,708,596 | €3,050,830 | +€342,234 | +12.6% |
| Amounts receivable within one year | 40/41 | €661,181 | €300,746 | -€360,435 | -54.5% |
| Trade receivables | 40 | €436,055 | €20,259 | -€415,796 | -95.4% |
| Other amounts receivable | 41 | €225,126 | €280,487 | +€55,361 | +24.6% |
| Current investments | 50/53 | €1,028,918 | €1,028,918 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €1,012,891 | €1,714,699 | +€701,809 | +69.3% |
| Deferred charges and accrued income | 490/1 | €5,607 | €6,467 | +€860 | +15.3% |
| Total equity and liabilities | 10/49 | €8,878,867 | €9,129,105 | +€250,239 | +2.8% |
| Equity | 10/15 | €6,764,073 | €7,031,039 | +€266,966 | +3.9% |
| Contributions | 10/11 | €1,694,259 | €1,694,259 | = | 0.0% |
| Contributions outside capital | 11 | €1,694,259 | €1,694,259 | = | 0.0% |
| Other | 1109/19 | €1,694,259 | €1,694,259 | = | 0.0% |
| Reserves | 13 | €3,132,359 | €3,132,359 | = | 0.0% |
| Tax-exempt reserves | 132 | €17,741 | €17,741 | = | 0.0% |
| Distributable reserves | 133 | €3,114,618 | €3,114,618 | = | 0.0% |
| Profit (loss) carried forward | 14 | €1,664,730 | €1,938,336 | +€273,606 | +16.4% |
| Investment grants | 15 | €272,726 | €266,086 | -€6,640 | -2.4% |
| Provisions and deferred taxes | 16 | €114,559 | €111,770 | -€2,789 | -2.4% |
| Deferred taxes | 168 | €114,559 | €111,770 | -€2,789 | -2.4% |
| Amounts payable | 17/49 | €2,000,235 | €1,986,297 | -€13,938 | -0.7% |
| Amounts payable within one year | 42/48 | €1,935,081 | €1,920,167 | -€14,913 | -0.8% |
| Trade debts | 44 | €966,423 | €924,819 | -€41,604 | -4.3% |
| Suppliers | 440/4 | €44,412 | €13,214 | -€31,198 | -70.2% |
| Bills of exchange payable | 441 | €922,011 | €911,605 | -€10,406 | -1.1% |
| Taxes, remuneration and social security | 45 | €162,669 | €155,229 | -€7,440 | -4.6% |
| Taxes | 450/3 | €73,308 | €47,897 | -€25,411 | -34.7% |
| Remuneration and social security | 454/9 | €89,361 | €107,332 | +€17,972 | +20.1% |
| Other amounts payable | 47/48 | €805,989 | €840,119 | +€34,130 | +4.2% |
| Accrued charges and deferred income | 492/3 | €65,155 | €66,130 | +€975 | +1.5% |
| Remuneration, social security and pensions | 62 | €815,396 | €981,186 | +€165,790 | +20.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €203,396 | €218,103 | +€14,706 | +7.2% |
| Other operating charges | 640/8 | €18,825 | €19,827 | +€1,002 | +5.3% |
| Gross operating margin | 9900 | €1,146,395 | €1,260,149 | +€113,753 | +9.9% |
| Operating profit (loss) | 9901 | €108,778 | €41,033 | -€67,745 | -62.3% |
| Financial income | 75/76B | €348,488 | €268,428 | -€80,060 | -23.0% |
| Recurring financial income | 75 | €348,488 | €268,428 | -€80,060 | -23.0% |
| Financial charges | 65/66B | €63,542 | €57,439 | -€6,103 | -9.6% |
| Recurring financial charges | 65 | €63,542 | €57,439 | -€6,103 | -9.6% |
| Profit (loss) for the period before taxes | 9903 | €393,724 | €252,022 | -€141,702 | -36.0% |
| Transfer from deferred taxes | 780 | €2,789 | €2,789 | = | 0.0% |
| Income taxes | 67/77 | €89,038 | -€18,795 | -€107,834 | |
| Profit (loss) for the period | 9904 | €307,475 | €273,606 | -€33,869 | -11.0% |
| Profit (loss) for the period to be appropriated | 9905 | €307,475 | €273,606 | -€33,869 | -11.0% |
Next steps
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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 8 November 2026 via checked.be.