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JERONIMOH: what changed

Two fiscal years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.

What changed

JERONIMOH

BE 0707.854.332
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€579,117
2024 · €357,501+€221,615
Equity
€1.7m
2024 · €1.1m+€579,117
Cash
€83,681
2024 · €24,325+€59,355
Balance sheet total
€1.8m
2024 · €1.2m+€565,679

Largest movements

2024 to 2025
Assets
  • Current investments +€482,884

    up €482,884 (+84.0%), from €575,000 to €1.1m

  • Cash +€59,355

    up €59,355 (+244.0%), from €24,325 to €83,681

    mainly Net result for the year (+€579,117) and Other debts (+€46,000)

Equity and liabilities
  • Profit (loss) carried forward +€385,457

    up €385,457 (+36.2%), from €1.1m to €1.4m

  • Reserves +€193,660

    up €193,660 (+10411.8%), from €1,860 to €195,520

    of which Tax-exempt reserves: +€193,660

  • Other debts +€46,000

    new in 2025: €46,000

  • Current portion of long-term debt -€26,214

    down €26,214 (-57.7%), from €45,419 to €19,204

  • Debts after one year -€19,204

    down €19,204 (-63.0%), from €30,475 to €11,270

Income statement
  • Gross operating margin +€203,478

    up €203,478 (+53.3%), from €381,632 to €585,110

  • Financial income +€79,367

    up €79,367 (+74.4%), from €106,670 to €186,037

  • Taxes +€45,086

    up €45,086 (+49.7%), from €90,719 to €135,805

  • Staff costs +€26,413

    up €26,413 (+122.6%), from €21,550 to €47,964

  • Depreciation -€10,592

    down €10,592 (-63.4%), from €16,703 to €6,111

From the 2024 result to the 2025 result

effect on the result

Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.

Result 2024 €357,501
Gross operating margin +€203,478
Staff costs -€26,413
Depreciation +€10,592
Other operating charges -€78
Financial income +€79,367
Financial charges -€244
Taxes -€45,086
Result 2025 €579,117

Cash bridge derived

cash 2024 to 2025

Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations +€600,094
Investment -€495,320
Financing -€45,419
Cash 2024 €24,325
Net result for the year +€579,117
Depreciation +€6,111
Receivables within one year -€15,764
Deferred charges and accrued income -€1,351
Trade debts -€1,811
Tax, wage and social debts -€12,208
Other debts +€46,000
Investment in fixed assets (net) -€12,436
Current investments -€482,884
Debts after one year -€19,204
Current portion of long-term debt -€26,214
Cash 2025 €83,681
Every line side by side 45 lines
Line Code 2024 2025 Change %
Total assets 20/58 €1,187,875 €1,753,554 +€565,679 +47.6%
Fixed assets 21/28 €548,914 €555,238 +€6,325 +1.2%
Tangible fixed assets 22/27 €30,514 €36,838 +€6,325 +20.7%
Furniture and vehicles 24 €4,915 €7,882 +€2,967 +60.4%
Other tangible fixed assets 26 €25,599 €28,956 +€3,357 +13.1%
Financial fixed assets 28 €518,400 €518,400 = 0.0%
Current assets 29/58 €638,961 €1,198,316 +€559,355 +87.5%
Amounts receivable within one year 40/41 €37,775 €53,540 +€15,764 +41.7%
Other amounts receivable 41 €37,775 €53,540 +€15,764 +41.7%
Current investments 50/53 €575,000 €1,057,884 +€482,884 +84.0%
Cash at bank and in hand 54/58 €24,325 €83,681 +€59,355 +244.0%
Deferred charges and accrued income 490/1 €1,860 €3,212 +€1,351 +72.6%
Total equity and liabilities 10/49 €1,187,875 €1,753,554 +€565,679 +47.6%
Equity 10/15 €1,084,045 €1,663,162 +€579,117 +53.4%
Contributions 10/11 €18,600 €18,600 = 0.0%
Reserves 13 €1,860 €195,520 +€193,660 +10411.8%
Non-distributable reserves 130/1 €1,860 €1,860 = 0.0%
Reserves not available under the articles 1311 €1,860 €1,860 = 0.0%
Tax-exempt reserves 132 - €193,660 +€193,660
Profit (loss) carried forward 14 €1,063,585 €1,449,042 +€385,457 +36.2%
Amounts payable 17/49 €103,830 €90,393 -€13,437 -12.9%
Amounts payable after more than one year 17 €30,475 €11,270 -€19,204 -63.0%
Financial debts 170/4 €30,475 €11,270 -€19,204 -63.0%
Amounts payable within one year 42/48 €73,355 €79,122 +€5,767 +7.9%
Current portion of amounts payable after more than one year 42 €45,419 €19,204 -€26,214 -57.7%
Trade debts 44 €3,862 €2,051 -€1,811 -46.9%
Suppliers 440/4 €3,862 €2,051 -€1,811 -46.9%
Taxes, remuneration and social security 45 €24,075 €11,867 -€12,208 -50.7%
Taxes 450/3 €18,438 €5,826 -€12,612 -68.4%
Remuneration and social security 454/9 €5,637 €6,041 +€405 +7.2%
Other amounts payable 47/48 - €46,000 +€46,000
Remuneration, social security and pensions 62 €21,550 €47,964 +€26,413 +122.6%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €16,703 €6,111 -€10,592 -63.4%
Other operating charges 640/8 €692 €770 +€78 +11.3%
Gross operating margin 9900 €381,632 €585,110 +€203,478 +53.3%
Operating profit (loss) 9901 €342,687 €530,265 +€187,578 +54.7%
Financial income 75/76B €106,670 €186,037 +€79,367 +74.4%
Recurring financial income 75 €106,670 €186,037 +€79,367 +74.4%
Financial charges 65/66B €1,137 €1,381 +€244 +21.4%
Recurring financial charges 65 €1,137 €1,381 +€244 +21.4%
Profit (loss) for the period before taxes 9903 €448,220 €714,922 +€266,702 +59.5%
Income taxes 67/77 €90,719 €135,805 +€45,086 +49.7%
Profit (loss) for the period 9904 €357,501 €579,117 +€221,615 +62.0%
Transfer to tax-exempt reserves 689 - €193,660 +€193,660
Profit (loss) for the period to be appropriated 9905 €357,501 €385,457 +€27,955 +7.8%

Source: filed annual accounts (NBB), fiscal years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.