Just Verzekerd: what changed
What changed
Just Verzekerd
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€59,432
2024 · €60,045-€613
Equity
€71,579
2024 · €12,147+€59,432
Cash
€41,339
2024 · €25,987+€15,352
Balance sheet total
€1.4m
2024 · €1.5m-€140,150
Largest movements
Assets
- Intangible fixed assets -€173,500
down €173,500 (-12.7%), from €1.4m to €1.2m
- Deferred charges and accrued income +€23,555
up €23,555 (+21.0%), from €112,259 to €135,813
- Cash +€15,352
up €15,352 (+59.1%), from €25,987 to €41,339
mainly Depreciation (+€180,917) and Net result for the year (+€59,432)
Equity and liabilities
- Debts after one year -€121,989
down €121,989 (-10.0%), from €1.2m to €1.1m
- Reserves +€51,579
new in 2025: €51,579
- Trade debts -€51,458
down €51,458 (-66.6%), from €77,267 to €25,809
- Other debts -€22,625
down €22,625 (-61.8%), from €36,617 to €13,992
- Current portion of long-term debt -€20,967
down €20,967 (-14.7%), from €143,019 to €122,053
Income statement
- Gross operating margin +€57,327
up €57,327 (+13.5%), from €425,683 to €483,010
- Taxes +€28,562
up €28,562 (+1,144%), from €2,496 to €31,058
- Staff costs +€23,490
up €23,490 (+16.5%), from €142,737 to €166,226
- Other operating charges +€8,544
up €8,544 (+161%), from €5,322 to €13,866
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
€60,045
Gross operating margin
+€57,327
Staff costs
-€23,490
Depreciation
-€138
Other operating charges
-€8,544
Financial income
-€5
Financial charges
+€2,798
Taxes
-€28,562
Result 2025
€59,432
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
+€159,804
Investment
-€1,496
Financing
-€142,956
Cash 2024
€25,987
From operations (derived)
+€159,804
Net result for the year
+€59,432
Depreciation
+€180,917
Receivables within one year
-€365
Deferred charges and accrued income
-€23,555
Trade debts
-€51,458
Tax, wage and social debts
+€19,399
Other debts
-€22,625
Accrued charges and deferred income
-€1,942
Investment (derived)
-€1,496
Investment in fixed assets (net)
-€1,496
Financing
-€142,956
Debts after one year
-€121,989
Current portion of long-term debt
-€20,967
Cash 2025
€41,339
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,517,740 | €1,377,590 | -€140,150 | -9.2% |
| Fixed assets | 21/28 | €1,379,495 | €1,200,073 | -€179,421 | -13.0% |
| Intangible fixed assets | 21 | €1,370,159 | €1,196,659 | -€173,500 | -12.7% |
| Tangible fixed assets | 22/27 | €9,336 | €3,415 | -€5,921 | -63.4% |
| Plant, machinery and equipment | 23 | - | €1,358 | +€1,358 | |
| Furniture and vehicles | 24 | €9,336 | €2,056 | -€7,279 | -78.0% |
| Current assets | 29/58 | €138,245 | €177,517 | +€39,272 | +28.4% |
| Amounts receivable within one year | 40/41 | - | €365 | +€365 | |
| Trade receivables | 40 | - | €132 | +€132 | |
| Other amounts receivable | 41 | - | €233 | +€233 | |
| Cash at bank and in hand | 54/58 | €25,987 | €41,339 | +€15,352 | +59.1% |
| Deferred charges and accrued income | 490/1 | €112,259 | €135,813 | +€23,555 | +21.0% |
| Total equity and liabilities | 10/49 | €1,517,740 | €1,377,590 | -€140,150 | -9.2% |
| Equity | 10/15 | €12,147 | €71,579 | +€59,432 | +489% |
| Contributions | 10/11 | €20,000 | €20,000 | = | 0.0% |
| Reserves | 13 | - | €51,579 | +€51,579 | |
| Distributable reserves | 133 | - | €51,579 | +€51,579 | |
| Profit (loss) carried forward | 14 | -€7,853 | €0 | +€7,853 | |
| Amounts payable | 17/49 | €1,505,593 | €1,306,011 | -€199,582 | -13.3% |
| Amounts payable after more than one year | 17 | €1,217,325 | €1,095,336 | -€121,989 | -10.0% |
| Financial debts | 170/4 | €1,217,325 | €1,095,336 | -€121,989 | -10.0% |
| Amounts payable within one year | 42/48 | €286,026 | €210,375 | -€75,650 | -26.4% |
| Current portion of amounts payable after more than one year | 42 | €143,019 | €122,053 | -€20,967 | -14.7% |
| Trade debts | 44 | €77,267 | €25,809 | -€51,458 | -66.6% |
| Suppliers | 440/4 | €77,267 | €25,809 | -€51,458 | -66.6% |
| Taxes, remuneration and social security | 45 | €29,123 | €48,522 | +€19,399 | +66.6% |
| Taxes | 450/3 | €2,496 | €31,058 | +€28,562 | +1,144% |
| Remuneration and social security | 454/9 | €26,627 | €17,464 | -€9,163 | -34.4% |
| Other amounts payable | 47/48 | €36,617 | €13,992 | -€22,625 | -61.8% |
| Accrued charges and deferred income | 492/3 | €2,242 | €300 | -€1,942 | -86.6% |
| Remuneration, social security and pensions | 62 | €142,737 | €166,226 | +€23,490 | +16.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €180,779 | €180,917 | +€138 | +0.1% |
| Other operating charges | 640/8 | €5,322 | €13,866 | +€8,544 | +161% |
| Gross operating margin | 9900 | €425,683 | €483,010 | +€57,327 | +13.5% |
| Operating profit (loss) | 9901 | €96,845 | €122,001 | +€25,156 | +26.0% |
| Financial income | 75/76B | €5 | €0 | -€5 | -100% |
| Recurring financial income | 75 | €5 | €0 | -€5 | -100% |
| Financial charges | 65/66B | €34,309 | €31,511 | -€2,798 | -8.2% |
| Recurring financial charges | 65 | €34,309 | €31,511 | -€2,798 | -8.2% |
| Profit (loss) for the period before taxes | 9903 | €62,541 | €90,490 | +€27,949 | +44.7% |
| Income taxes | 67/77 | €2,496 | €31,058 | +€28,562 | +1,144% |
| Profit (loss) for the period | 9904 | €60,045 | €59,432 | -€613 | -1.0% |
| Profit (loss) for the period to be appropriated | 9905 | €60,045 | €59,432 | -€613 | -1.0% |
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 7 November 2026 via checked.be.