Isabelle Hannes: what changed
What changed
Isabelle Hannes
NACE 66.191, Agents and brokers in banking services
filed annual accounts (NBB)
Net result for the year
€138,268
2024 · €169,967-€31,699
Equity
€402,977
2024 · €264,709+€138,268
Cash
€98,923
2024 · €95,881+€3,042
Balance sheet total
€905,143
2024 · €882,274+€22,869
Largest movements
Assets
- Intangible fixed assets -€66,521
down €66,521 (-22.5%), from €295,186 to €228,666
- Receivables within one year +€56,260
up €56,260 (+46.3%), from €121,481 to €177,742
of which Other amounts receivable: +€43,726
- Current investments +€52,613
up €52,613 (+40.7%), from €129,387 to €182,000
- Tangible fixed assets -€24,142
down €24,142 (-10.3%), from €233,567 to €209,425
of which Land and buildings: -€24,711
Equity and liabilities
- Profit (loss) carried forward +€138,268
up €138,268 (+108%), from €128,040 to €266,308
- Debts after one year -€100,502
down €100,502 (-23.4%), from €429,747 to €329,246
- Tax, wage and social debts -€9,433
down €9,433 (-22.2%), from €42,576 to €33,144
of which Taxes: -€10,588
Income statement
- Staff costs +€39,283
up €39,283 (+20.3%), from €193,272 to €232,555
- Gross operating margin +€17,402
up €17,402 (+3.2%), from €544,181 to €561,583
- Financial charges +€12,406
up €12,406 (+73.0%), from €16,987 to €29,393
- Taxes -€5,693
down €5,693 (-9.6%), from €59,151 to €53,458
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
€169,967
Gross operating margin
+€17,402
Staff costs
-€39,283
Depreciation
-€173
Other operating charges
-€60
Other operating items
+€605
Financial income
-€3,477
Financial charges
-€12,406
Taxes
+€5,693
Result 2025
€138,268
raises the resultlowers the resultnot broken down further in the accounts
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
+€171,628
Investment
-€69,389
Financing
-€99,196
Cash 2024
€95,881
From operations (derived)
+€171,628
Net result for the year
+€138,268
Depreciation
+€107,439
Receivables after one year
+€2,233
Receivables within one year
-€56,260
Deferred charges and accrued income
-€3,849
Trade debts
-€6,771
Tax, wage and social debts
-€9,433
Investment (derived)
-€69,389
Investment in fixed assets (net)
-€16,776
Current investments
-€52,613
Financing
-€99,196
Debts after one year
-€100,502
Current portion of long-term debt
+€1,306
Cash 2025
€98,923
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €882,274 | €905,143 | +€22,869 | +2.6% |
| Fixed assets | 21/28 | €528,753 | €438,091 | -€90,663 | -17.1% |
| Intangible fixed assets | 21 | €295,186 | €228,666 | -€66,521 | -22.5% |
| Tangible fixed assets | 22/27 | €233,567 | €209,425 | -€24,142 | -10.3% |
| Land and buildings | 22 | €213,280 | €188,568 | -€24,711 | -11.6% |
| Plant, machinery and equipment | 23 | €9,233 | €11,995 | +€2,762 | +29.9% |
| Furniture and vehicles | 24 | €11,054 | €8,862 | -€2,192 | -19.8% |
| Current assets | 29/58 | €353,521 | €467,052 | +€113,532 | +32.1% |
| Amounts receivable after more than one year | 29 | €2,233 | €0 | -€2,233 | -100% |
| Other amounts receivable | 291 | €2,233 | €0 | -€2,233 | -100% |
| Amounts receivable within one year | 40/41 | €121,481 | €177,742 | +€56,260 | +46.3% |
| Trade receivables | 40 | €57,159 | €69,693 | +€12,534 | +21.9% |
| Other amounts receivable | 41 | €64,323 | €108,049 | +€43,726 | +68.0% |
| Current investments | 50/53 | €129,387 | €182,000 | +€52,613 | +40.7% |
| Cash at bank and in hand | 54/58 | €95,881 | €98,923 | +€3,042 | +3.2% |
| Deferred charges and accrued income | 490/1 | €4,539 | €8,387 | +€3,849 | +84.8% |
| Total equity and liabilities | 10/49 | €882,274 | €905,143 | +€22,869 | +2.6% |
| Equity | 10/15 | €264,709 | €402,977 | +€138,268 | +52.2% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €118,069 | €118,069 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €116,209 | €116,209 | = | 0.0% |
| Profit (loss) carried forward | 14 | €128,040 | €266,308 | +€138,268 | +108% |
| Amounts payable | 17/49 | €617,565 | €502,166 | -€115,399 | -18.7% |
| Amounts payable after more than one year | 17 | €429,747 | €329,246 | -€100,502 | -23.4% |
| Financial debts | 170/4 | €429,747 | €329,246 | -€100,502 | -23.4% |
| Amounts payable within one year | 42/48 | €187,817 | €172,920 | -€14,897 | -7.9% |
| Current portion of amounts payable after more than one year | 42 | €107,494 | €108,800 | +€1,306 | +1.2% |
| Trade debts | 44 | €37,747 | €30,977 | -€6,771 | -17.9% |
| Suppliers | 440/4 | €37,747 | €30,977 | -€6,771 | -17.9% |
| Taxes, remuneration and social security | 45 | €42,576 | €33,144 | -€9,433 | -22.2% |
| Taxes | 450/3 | €10,588 | €0 | -€10,588 | -100% |
| Remuneration and social security | 454/9 | €31,988 | €33,144 | +€1,156 | +3.6% |
| Other amounts payable | 47/48 | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €193,272 | €232,555 | +€39,283 | +20.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €107,266 | €107,439 | +€173 | +0.2% |
| Other operating charges | 640/8 | €4,215 | €4,275 | +€60 | +1.4% |
| Non-recurring operating charges | 66A | €605 | €0 | -€605 | -100% |
| Gross operating margin | 9900 | €544,181 | €561,583 | +€17,402 | +3.2% |
| Operating profit (loss) | 9901 | €238,823 | €217,314 | -€21,509 | -9.0% |
| Financial income | 75/76B | €7,282 | €3,804 | -€3,477 | -47.8% |
| Recurring financial income | 75 | €7,282 | €3,804 | -€3,477 | -47.8% |
| Financial charges | 65/66B | €16,987 | €29,393 | +€12,406 | +73.0% |
| Recurring financial charges | 65 | €16,987 | €29,393 | +€12,406 | +73.0% |
| Profit (loss) for the period before taxes | 9903 | €229,117 | €191,726 | -€37,392 | -16.3% |
| Income taxes | 67/77 | €59,151 | €53,458 | -€5,693 | -9.6% |
| Profit (loss) for the period | 9904 | €169,967 | €138,268 | -€31,699 | -18.6% |
| Profit (loss) for the period to be appropriated | 9905 | €169,967 | €138,268 | -€31,699 | -18.6% |
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.