INTEGRIS: what changed
What changed
INTEGRIS
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€69,411
2024 · €40,598+€28,813
Equity
€315,154
2024 · €245,743+€69,411
Cash
€22,174
2024 · €24,318-€2,145
Balance sheet total
€1.2m
2024 · €386,069+€839,503
Largest movements
Assets
- Intangible fixed assets +€646,572
up €646,572 (+317%), from €203,905 to €850,477
- Receivables within one year +€188,346
up €188,346 (+133%), from €141,455 to €329,801
of which Trade receivables: +€201,227
Equity and liabilities
- Debts after one year +€529,914
up €529,914 (+766%), from €69,219 to €599,133
- Accrued charges and deferred income +€180,709
new in 2025: €180,709
- Reserves +€69,411
up €69,411 (+30.6%), from €227,143 to €296,554
- Current portion of long-term debt +€57,967
up €57,967 (+171%), from €33,976 to €91,944
- Trade debts -€18,636
down €18,636 (-86.9%), from €21,434 to €2,799
Income statement
- Gross operating margin +€137,048
up €137,048 (+94.1%), from €145,632 to €282,680
- Staff costs +€49,163
up €49,163 (+107%), from €45,837 to €94,999
- Depreciation +€30,893
up €30,893 (+76.3%), from €40,490 to €71,383
- Financial charges +€14,788
up €14,788 (+610%), from €2,424 to €17,212
- Taxes +€10,082
up €10,082 (+67.7%), from €14,890 to €24,971
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
€40,598
Gross operating margin
+€137,048
Staff costs
-€49,163
Depreciation
-€30,893
Other operating charges
-€3,307
Financial income
-€4
Financial charges
-€14,788
Taxes
-€10,082
Result 2025
€69,411
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
+€130,093
Investment
-€728,159
Financing
+€595,921
Cash 2024
€24,318
From operations (derived)
+€130,093
Net result for the year
+€69,411
Depreciation
+€71,383
Receivables within one year
-€188,346
Deferred charges and accrued income
+€3,474
Trade debts
-€18,636
Tax, wage and social debts
+€12,099
Accrued charges and deferred income
+€180,709
Investment (derived)
-€728,159
Investment in fixed assets (net)
-€728,159
Financing
+€595,921
Debts after one year
+€529,914
Current portion of long-term debt
+€57,967
Short-term financial debts
+€8,039
Cash 2025
€22,174
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €386,069 | €1,225,572 | +€839,503 | +217% |
| Fixed assets | 21/28 | €215,049 | €871,825 | +€656,776 | +305% |
| Intangible fixed assets | 21 | €203,905 | €850,477 | +€646,572 | +317% |
| Tangible fixed assets | 22/27 | €6,270 | €16,474 | +€10,203 | +163% |
| Furniture and vehicles | 24 | €6,270 | €10,293 | +€4,023 | +64.2% |
| Other tangible fixed assets | 26 | - | €6,180 | +€6,180 | |
| Financial fixed assets | 28 | €4,874 | €4,874 | = | 0.0% |
| Current assets | 29/58 | €171,019 | €353,747 | +€182,728 | +107% |
| Amounts receivable within one year | 40/41 | €141,455 | €329,801 | +€188,346 | +133% |
| Trade receivables | 40 | €110,571 | €311,798 | +€201,227 | +182% |
| Other amounts receivable | 41 | €30,884 | €18,003 | -€12,881 | -41.7% |
| Cash at bank and in hand | 54/58 | €24,318 | €22,174 | -€2,145 | -8.8% |
| Deferred charges and accrued income | 490/1 | €5,246 | €1,772 | -€3,474 | -66.2% |
| Total equity and liabilities | 10/49 | €386,069 | €1,225,572 | +€839,503 | +217% |
| Equity | 10/15 | €245,743 | €315,154 | +€69,411 | +28.2% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €227,143 | €296,554 | +€69,411 | +30.6% |
| Distributable reserves | 133 | €227,143 | €296,554 | +€69,411 | +30.6% |
| Amounts payable | 17/49 | €140,326 | €910,418 | +€770,092 | +549% |
| Amounts payable after more than one year | 17 | €69,219 | €599,133 | +€529,914 | +766% |
| Financial debts | 170/4 | €69,219 | €599,133 | +€529,914 | +766% |
| Amounts payable within one year | 42/48 | €71,107 | €130,576 | +€59,470 | +83.6% |
| Current portion of amounts payable after more than one year | 42 | €33,976 | €91,944 | +€57,967 | +171% |
| Financial debts | 43 | €6,377 | €14,417 | +€8,039 | +126% |
| Credit institutions | 430/8 | €6,377 | €14,417 | +€8,039 | +126% |
| Trade debts | 44 | €21,434 | €2,799 | -€18,636 | -86.9% |
| Suppliers | 440/4 | €21,434 | €2,799 | -€18,636 | -86.9% |
| Taxes, remuneration and social security | 45 | €9,319 | €21,417 | +€12,099 | +130% |
| Taxes | 450/3 | - | €2,132 | +€2,132 | |
| Remuneration and social security | 454/9 | €9,319 | €19,286 | +€9,967 | +107% |
| Accrued charges and deferred income | 492/3 | - | €180,709 | +€180,709 | |
| Remuneration, social security and pensions | 62 | €45,837 | €94,999 | +€49,163 | +107% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €40,490 | €71,383 | +€30,893 | +76.3% |
| Other operating charges | 640/8 | €1,397 | €4,703 | +€3,307 | +237% |
| Gross operating margin | 9900 | €145,632 | €282,680 | +€137,048 | +94.1% |
| Operating profit (loss) | 9901 | €57,908 | €111,595 | +€53,686 | +92.7% |
| Financial income | 75/76B | €4 | - | -€4 | |
| Recurring financial income | 75 | €4 | - | -€4 | |
| Financial charges | 65/66B | €2,424 | €17,212 | +€14,788 | +610% |
| Recurring financial charges | 65 | €2,424 | €17,212 | +€14,788 | +610% |
| Profit (loss) for the period before taxes | 9903 | €55,488 | €94,382 | +€38,894 | +70.1% |
| Income taxes | 67/77 | €14,890 | €24,971 | +€10,082 | +67.7% |
| Profit (loss) for the period | 9904 | €40,598 | €69,411 | +€28,813 | +71.0% |
| Profit (loss) for the period to be appropriated | 9905 | €40,598 | €69,411 | +€28,813 | +71.0% |
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 1 November 2026 via checked.be.