INSURANCE CONSULTING: what changed
What changed
INSURANCE CONSULTING
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€96,055
2024 · €95,187+€868
Equity
€554,857
2024 · €526,761+€28,096
Cash
€341,708
2024 · €254,073+€87,635
Balance sheet total
€609,181
2024 · €590,251+€18,930
Largest movements
Assets
- Cash +€87,635
up €87,635 (+34.5%), from €254,073 to €341,708
mainly Net result for the year (+€96,055) and Current investments (+€60,000)
- Current investments -€60,000
down €60,000 (-19.6%), from €306,015 to €246,015
- Tangible fixed assets -€10,068
down €10,068 (-34.3%), from €29,363 to €19,295
Equity and liabilities
- Reserves +€28,096
up €28,096 (+6.4%), from €440,065 to €468,161
Income statement
- Financial income +€2,265
up €2,265 (+30.8%), from €7,351 to €9,616
of which Financial income: +€2,025
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
€95,187
Gross operating margin
-€1,010
Other operating charges
+€110
Financial income
+€2,265
Financial charges
-€0
Taxes
-€497
Result 2025
€96,055
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
+€95,593
Investment
+€60,000
Financing
-€67,959
Cash 2024
€254,073
From operations (derived)
+€95,593
Net result for the year
+€96,055
Depreciation
+€10,068
Receivables within one year
-€633
Deferred charges and accrued income
-€729
Trade debts
-€2,158
Tax, wage and social debts
-€5,402
Other debts
-€1,607
Investment (derived)
+€60,000
Current investments
+€60,000
Financing
-€67,959
Contributions, distributions and other
-€67,959
Cash 2025
€341,708
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €590,251 | €609,181 | +€18,930 | +3.2% |
| Fixed assets | 21/28 | €29,363 | €19,295 | -€10,068 | -34.3% |
| Tangible fixed assets | 22/27 | €29,363 | €19,295 | -€10,068 | -34.3% |
| Furniture and vehicles | 24 | €29,363 | €19,295 | -€10,068 | -34.3% |
| Current assets | 29/58 | €560,889 | €589,886 | +€28,997 | +5.2% |
| Amounts receivable within one year | 40/41 | €801 | €1,434 | +€633 | +79.1% |
| Trade receivables | 40 | €801 | €1,434 | +€633 | +79.1% |
| Current investments | 50/53 | €306,015 | €246,015 | -€60,000 | -19.6% |
| Cash at bank and in hand | 54/58 | €254,073 | €341,708 | +€87,635 | +34.5% |
| Deferred charges and accrued income | 490/1 | - | €729 | +€729 | |
| Total equity and liabilities | 10/49 | €590,251 | €609,181 | +€18,930 | +3.2% |
| Equity | 10/15 | €526,761 | €554,857 | +€28,096 | +5.3% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €440,065 | €468,161 | +€28,096 | +6.4% |
| Distributable reserves | 133 | €440,065 | €468,161 | +€28,096 | +6.4% |
| Profit (loss) carried forward | 14 | €80,496 | €80,496 | = | 0.0% |
| Amounts payable | 17/49 | €63,491 | €54,324 | -€9,167 | -14.4% |
| Amounts payable after more than one year | 17 | €25,000 | €25,000 | = | 0.0% |
| Financial debts | 170/4 | €25,000 | €25,000 | = | 0.0% |
| Amounts payable within one year | 42/48 | €38,491 | €29,324 | -€9,167 | -23.8% |
| Trade debts | 44 | €2,327 | €169 | -€2,158 | -92.7% |
| Suppliers | 440/4 | €2,327 | €169 | -€2,158 | -92.7% |
| Taxes, remuneration and social security | 45 | €13,784 | €8,383 | -€5,402 | -39.2% |
| Taxes | 450/3 | €13,694 | €8,383 | -€5,312 | -38.8% |
| Remuneration and social security | 454/9 | €90 | - | -€90 | |
| Other amounts payable | 47/48 | €22,379 | €20,773 | -€1,607 | -7.2% |
| Non-recurring operating income | 76A | €255 | €269 | +€14 | +5.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €10,068 | €10,068 | = | 0.0% |
| Other operating charges | 640/8 | €1,318 | €1,207 | -€110 | -8.4% |
| Gross operating margin | 9900 | €138,924 | €137,914 | -€1,010 | -0.7% |
| Operating profit (loss) | 9901 | €127,539 | €126,640 | -€899 | -0.7% |
| Financial income | 75/76B | €7,351 | €9,616 | +€2,265 | +30.8% |
| Recurring financial income | 75 | €4,011 | €6,036 | +€2,025 | +50.5% |
| Non-recurring financial income | 76B | €3,340 | €3,580 | +€240 | +7.2% |
| Financial charges | 65/66B | €375 | €375 | +€0 | +0.1% |
| Recurring financial charges | 65 | €375 | €375 | +€0 | +0.1% |
| Profit (loss) for the period before taxes | 9903 | €134,515 | €135,880 | +€1,365 | +1.0% |
| Income taxes | 67/77 | €39,328 | €39,825 | +€497 | +1.3% |
| Profit (loss) for the period | 9904 | €95,187 | €96,055 | +€868 | +0.9% |
| Profit (loss) for the period to be appropriated | 9905 | €95,187 | €96,055 | +€868 | +0.9% |
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.