Intentio-Waasland: what changed
What changed
Intentio-Waasland
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€83,498
2024 · €5,724+€77,774
Equity
€136,462
2024 · €92,964+€43,498
Cash
€122,552
2024 · €66,314+€56,238
Balance sheet total
€2.3m
2024 · €2.5m-€150,819
Largest movements
Assets
- Intangible fixed assets -€254,735
down €254,735 (-11.3%), from €2.3m to €2.0m
- Cash +€56,238
up €56,238 (+84.8%), from €66,314 to €122,552
mainly Debts after one year (+€830,596) and Depreciation (+€281,554)
- Receivables within one year +€39,078
up €39,078 (+154%), from €25,419 to €64,497
Equity and liabilities
- Trade debts -€1.1m
down €1.1m (-99.9%), from €1.1m to €878
- Debts after one year +€830,596
up €830,596 (+78.9%), from €1.1m to €1.9m
- Current portion of long-term debt +€105,120
up €105,120 (+73.8%), from €142,492 to €247,612
- Profit (loss) carried forward +€43,498
up €43,498, from -€42,930 to €568
Income statement
- Gross operating margin +€469,262
up €469,262 (+141%), from €333,839 to €803,101
- Staff costs +€231,922
up €231,922 (+206%), from €112,541 to €344,464
- Depreciation +€120,694
up €120,694 (+75.0%), from €160,859 to €281,554
- Financial charges +€24,452
up €24,452 (+47.8%), from €51,170 to €75,623
- Taxes +€12,328
up €12,328 (+3,794%), from €325 to €12,653
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
€5,724
Gross operating margin
+€469,262
Staff costs
-€231,922
Depreciation
-€120,694
Other operating charges
-€2,376
Financial income
+€285
Financial charges
-€24,452
Taxes
-€12,328
Result 2025
€83,498
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
-€803,334
Investment
-€36,144
Financing
+€895,716
Cash 2024
€66,314
From operations (derived)
-€803,334
Net result for the year
+€83,498
Depreciation
+€281,554
Receivables within one year
-€39,078
Deferred charges and accrued income
+€725
Trade debts
-€1.1m
Tax, wage and social debts
+€13,957
Accrued charges and deferred income
-€4,013
Investment (derived)
-€36,144
Investment in fixed assets (net)
-€36,144
Financing
+€895,716
Debts after one year
+€830,596
Current portion of long-term debt
+€105,120
Contributions, distributions and other
-€40,000
Cash 2025
€122,552
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €2,466,526 | €2,315,707 | -€150,819 | -6.1% |
| Fixed assets | 21/28 | €2,362,156 | €2,116,746 | -€245,410 | -10.4% |
| Intangible fixed assets | 21 | €2,256,165 | €2,001,431 | -€254,735 | -11.3% |
| Tangible fixed assets | 22/27 | €105,985 | €115,310 | +€9,325 | +8.8% |
| Plant, machinery and equipment | 23 | €638 | €419 | -€219 | -34.3% |
| Furniture and vehicles | 24 | €56,549 | €71,014 | +€14,465 | +25.6% |
| Other tangible fixed assets | 26 | €48,799 | €43,877 | -€4,922 | -10.1% |
| Financial fixed assets | 28 | €5 | €5 | = | 0.0% |
| Current assets | 29/58 | €104,370 | €198,961 | +€94,591 | +90.6% |
| Amounts receivable within one year | 40/41 | €25,419 | €64,497 | +€39,078 | +154% |
| Trade receivables | 40 | €25,419 | €64,497 | +€39,078 | +154% |
| Cash at bank and in hand | 54/58 | €66,314 | €122,552 | +€56,238 | +84.8% |
| Deferred charges and accrued income | 490/1 | €12,637 | €11,912 | -€725 | -5.7% |
| Total equity and liabilities | 10/49 | €2,466,526 | €2,315,707 | -€150,819 | -6.1% |
| Equity | 10/15 | €92,964 | €136,462 | +€43,498 | +46.8% |
| Contributions | 10/11 | €135,894 | €135,894 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€42,930 | €568 | +€43,498 | |
| Amounts payable | 17/49 | €2,373,561 | €2,179,245 | -€194,316 | -8.2% |
| Amounts payable after more than one year | 17 | €1,052,969 | €1,883,565 | +€830,596 | +78.9% |
| Financial debts | 170/4 | €1,052,969 | €1,883,565 | +€830,596 | +78.9% |
| Amounts payable within one year | 42/48 | €1,316,579 | €295,680 | -€1.0m | -77.5% |
| Current portion of amounts payable after more than one year | 42 | €142,492 | €247,612 | +€105,120 | +73.8% |
| Trade debts | 44 | €1,140,854 | €878 | -€1.1m | -99.9% |
| Suppliers | 440/4 | €1,140,854 | €878 | -€1.1m | -99.9% |
| Taxes, remuneration and social security | 45 | €33,233 | €47,190 | +€13,957 | +42.0% |
| Taxes | 450/3 | €259 | €498 | +€239 | +92.1% |
| Remuneration and social security | 454/9 | €32,974 | €46,692 | +€13,718 | +41.6% |
| Accrued charges and deferred income | 492/3 | €4,013 | €0 | -€4,013 | -100% |
| Remuneration, social security and pensions | 62 | €112,541 | €344,464 | +€231,922 | +206% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €160,859 | €281,554 | +€120,694 | +75.0% |
| Other operating charges | 640/8 | €3,452 | €5,829 | +€2,376 | +68.8% |
| Gross operating margin | 9900 | €333,839 | €803,101 | +€469,262 | +141% |
| Operating profit (loss) | 9901 | €56,986 | €171,255 | +€114,269 | +201% |
| Financial income | 75/76B | €233 | €517 | +€285 | +122% |
| Recurring financial income | 75 | €233 | €517 | +€285 | +122% |
| Financial charges | 65/66B | €51,170 | €75,623 | +€24,452 | +47.8% |
| Recurring financial charges | 65 | €51,170 | €75,623 | +€24,452 | +47.8% |
| Profit (loss) for the period before taxes | 9903 | €6,049 | €96,150 | +€90,102 | +1,490% |
| Income taxes | 67/77 | €325 | €12,653 | +€12,328 | +3,794% |
| Profit (loss) for the period | 9904 | €5,724 | €83,498 | +€77,774 | +1,359% |
| Profit (loss) for the period to be appropriated | 9905 | €5,724 | €83,498 | +€77,774 | +1,359% |
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 2 November 2026 via checked.be.