Ilse Blommaert: what changed
What changed
Ilse Blommaert
NACE 66.191, Agents and brokers in banking services
filed annual accounts (NBB)
Net result for the year
€191,838
2024 · €200,915-€9,076
Equity
€666,914
2024 · €803,636-€136,722
Cash
€205,832
2024 · €178,046+€27,786
Balance sheet total
€1.2m
2024 · €1.2m+€51,476
Largest movements
Assets
- Current investments +€40,087
up €40,087 (+27.8%), from €144,057 to €184,143
- Cash +€27,786
up €27,786 (+15.6%), from €178,046 to €205,832
mainly Other debts (+€204,723) and Net result for the year (+€191,838)
- Tangible fixed assets -€18,198
down €18,198 (-2.5%), from €726,939 to €708,742
of which Land and buildings: -€10,209
Equity and liabilities
- Other debts +€204,723
up €204,723 (+164%), from €124,527 to €329,250
- Reserves -€136,722
down €136,722 (-17.0%), from €803,498 to €666,776
- Debts after one year -€31,258
down €31,258 (-22.3%), from €139,983 to €108,725
- Tax, wage and social debts +€19,601
up €19,601 (+35.1%), from €55,818 to €75,419
of which Taxes: +€11,805
Income statement
- Gross operating margin -€14,559
down €14,559 (-3.2%), from €450,622 to €436,063
- Staff costs +€7,569
up €7,569 (+6.3%), from €120,812 to €128,381
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
€200,915
Gross operating margin
-€14,559
Staff costs
-€7,569
Depreciation
+€828
Other operating charges
-€120
Financial income
+€4,367
Financial charges
+€3,485
Taxes
+€4,491
Result 2025
€191,838
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
+€428,789
Investment
-€40,087
Financing
-€360,916
Cash 2024
€178,046
From operations (derived)
+€428,789
Net result for the year
+€191,838
Depreciation
+€18,198
Receivables within one year
-€528
Deferred charges and accrued income
-€1,272
Trade debts
-€3,770
Tax, wage and social debts
+€19,601
Other debts
+€204,723
Investment (derived)
-€40,087
Current investments
-€40,087
Financing
-€360,916
Debts after one year
-€31,258
Current portion of long-term debt
-€1,099
Contributions, distributions and other
-€328,560
Cash 2025
€205,832
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,183,311 | €1,234,787 | +€51,476 | +4.4% |
| Fixed assets | 21/28 | €726,939 | €708,742 | -€18,198 | -2.5% |
| Tangible fixed assets | 22/27 | €726,939 | €708,742 | -€18,198 | -2.5% |
| Land and buildings | 22 | €702,359 | €692,150 | -€10,209 | -1.5% |
| Plant, machinery and equipment | 23 | €7,420 | €5,428 | -€1,992 | -26.8% |
| Other tangible fixed assets | 26 | €17,160 | €11,164 | -€5,996 | -34.9% |
| Current assets | 29/58 | €456,371 | €526,045 | +€69,674 | +15.3% |
| Amounts receivable within one year | 40/41 | €134,269 | €134,797 | +€528 | +0.4% |
| Trade receivables | 40 | €54,088 | €54,616 | +€528 | +1.0% |
| Other amounts receivable | 41 | €80,181 | €80,181 | = | 0.0% |
| Current investments | 50/53 | €144,057 | €184,143 | +€40,087 | +27.8% |
| Cash at bank and in hand | 54/58 | €178,046 | €205,832 | +€27,786 | +15.6% |
| Deferred charges and accrued income | 490/1 | - | €1,272 | +€1,272 | |
| Total equity and liabilities | 10/49 | €1,183,311 | €1,234,787 | +€51,476 | +4.4% |
| Equity | 10/15 | €803,636 | €666,914 | -€136,722 | -17.0% |
| Reserves | 13 | €803,498 | €666,776 | -€136,722 | -17.0% |
| Distributable reserves | 133 | €803,498 | €666,776 | -€136,722 | -17.0% |
| Profit (loss) carried forward | 14 | €138 | €138 | +€0 | +0.3% |
| Amounts payable | 17/49 | €379,675 | €567,872 | +€188,197 | +49.6% |
| Amounts payable after more than one year | 17 | €139,983 | €108,725 | -€31,258 | -22.3% |
| Financial debts | 170/4 | €139,983 | €108,725 | -€31,258 | -22.3% |
| Amounts payable within one year | 42/48 | €239,692 | €459,147 | +€219,455 | +91.6% |
| Current portion of amounts payable after more than one year | 42 | €32,356 | €31,258 | -€1,099 | -3.4% |
| Trade debts | 44 | €26,991 | €23,220 | -€3,770 | -14.0% |
| Suppliers | 440/4 | €26,991 | €23,220 | -€3,770 | -14.0% |
| Taxes, remuneration and social security | 45 | €55,818 | €75,419 | +€19,601 | +35.1% |
| Taxes | 450/3 | €41,695 | €53,500 | +€11,805 | +28.3% |
| Remuneration and social security | 454/9 | €14,123 | €21,918 | +€7,796 | +55.2% |
| Other amounts payable | 47/48 | €124,527 | €329,250 | +€204,723 | +164% |
| Remuneration, social security and pensions | 62 | €120,812 | €128,381 | +€7,569 | +6.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €19,026 | €18,198 | -€828 | -4.4% |
| Other operating charges | 640/8 | €9,716 | €9,836 | +€120 | +1.2% |
| Gross operating margin | 9900 | €450,622 | €436,063 | -€14,559 | -3.2% |
| Operating profit (loss) | 9901 | €301,068 | €279,648 | -€21,419 | -7.1% |
| Financial income | 75/76B | €2,029 | €6,397 | +€4,367 | +215% |
| Recurring financial income | 75 | €2,029 | €6,397 | +€4,367 | +215% |
| Financial charges | 65/66B | €10,771 | €7,287 | -€3,485 | -32.4% |
| Recurring financial charges | 65 | €10,771 | €7,287 | -€3,485 | -32.4% |
| Profit (loss) for the period before taxes | 9903 | €292,326 | €278,758 | -€13,568 | -4.6% |
| Income taxes | 67/77 | €91,411 | €86,920 | -€4,491 | -4.9% |
| Profit (loss) for the period | 9904 | €200,915 | €191,838 | -€9,076 | -4.5% |
| Profit (loss) for the period to be appropriated | 9905 | €200,915 | €191,838 | -€9,076 | -4.5% |
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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 4 November 2026 via checked.be.