Kantoor Stevens: what changed
What changed
Kantoor Stevens
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€34,301
2024 · €305,533-€271,232
Equity
€67,754
2024 · €33,453+€34,301
Cash
€600
2024 · €10,561-€9,961
Balance sheet total
€396,363
2024 · €437,046-€40,683
Largest movements
Assets
- Intangible fixed assets -€23,032
down €23,032 (-13.0%), from €177,714 to €154,682
- Cash -€9,961
down €9,961 (-94.3%), from €10,561 to €600
mainly Advances received (-€81,880) and Current portion of long-term debt (-€16,380)
- Tangible fixed assets -€8,505
down €8,505 (-6.3%), from €136,072 to €127,568
of which Land and buildings: -€8,505
- Receivables within one year +€5,462
up €5,462 (+10.4%), from €52,511 to €57,973
of which Trade receivables: +€19,702
- Deferred charges and accrued income -€4,647
down €4,647 (-16.2%), from €28,766 to €24,119
Equity and liabilities
- Advances received -€81,880
down €81,880 (-100%), from €81,880 to €0
- Profit (loss) carried forward +€34,301
up €34,301 (+21.1%), from -€162,745 to -€128,443
- Short-term financial debts +€23,854
new in 2025: €23,854
- Current portion of long-term debt -€16,380
down €16,380 (-41.3%), from €39,621 to €23,241
- Trade debts +€11,458
up €11,458 (+123%), from €9,330 to €20,788
Income statement
- Gross operating margin -€411,756
down €411,756 (-78.0%), from €528,145 to €116,390
- Taxes -€79,066
down €79,066 (-80.8%), from €97,795 to €18,729
- Financial income +€73,594
up €73,594 (+888%), from €8,291 to €81,886
- Staff costs +€11,247
up €11,247 (+12.1%), from €93,163 to €104,410
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
€305,533
Gross operating margin
-€411,756
Staff costs
-€11,247
Depreciation
+€1,064
Other operating charges
-€701
Financial income
+€73,594
Financial charges
-€1,253
Taxes
+€79,066
Result 2025
€34,301
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
-€9,973
Investment
+€0
Financing
+€12
Cash 2024
€10,561
From operations (derived)
-€9,973
Net result for the year
+€34,301
Depreciation
+€31,536
Receivables within one year
-€5,462
Deferred charges and accrued income
+€4,647
Trade debts
+€11,458
Tax, wage and social debts
+€1,667
Advances received
-€81,880
Other debts
-€6,316
Accrued charges and deferred income
+€76
Investment (derived)
+€0
Investment in fixed assets (net)
+€0
Financing
+€12
Debts after one year
-€7,463
Current portion of long-term debt
-€16,380
Short-term financial debts
+€23,854
Cash 2025
€600
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €437,046 | €396,363 | -€40,683 | -9.3% |
| Fixed assets | 21/28 | €345,207 | €313,671 | -€31,536 | -9.1% |
| Intangible fixed assets | 21 | €177,714 | €154,682 | -€23,032 | -13.0% |
| Tangible fixed assets | 22/27 | €136,072 | €127,568 | -€8,505 | -6.3% |
| Land and buildings | 22 | €136,072 | €127,568 | -€8,505 | -6.3% |
| Furniture and vehicles | 24 | €0 | - | = | |
| Financial fixed assets | 28 | €31,421 | €31,421 | = | 0.0% |
| Current assets | 29/58 | €91,839 | €82,692 | -€9,146 | -10.0% |
| Amounts receivable within one year | 40/41 | €52,511 | €57,973 | +€5,462 | +10.4% |
| Trade receivables | 40 | €32,949 | €52,651 | +€19,702 | +59.8% |
| Other amounts receivable | 41 | €19,562 | €5,322 | -€14,240 | -72.8% |
| Cash at bank and in hand | 54/58 | €10,561 | €600 | -€9,961 | -94.3% |
| Deferred charges and accrued income | 490/1 | €28,766 | €24,119 | -€4,647 | -16.2% |
| Total equity and liabilities | 10/49 | €437,046 | €396,363 | -€40,683 | -9.3% |
| Equity | 10/15 | €33,453 | €67,754 | +€34,301 | +103% |
| Contributions | 10/11 | €190,000 | €190,000 | = | 0.0% |
| Contributions outside capital | 11 | €190,000 | €190,000 | = | 0.0% |
| Other | 1109/19 | €190,000 | €190,000 | = | 0.0% |
| Reserves | 13 | €6,197 | €6,197 | = | 0.0% |
| Non-distributable reserves | 130/1 | €6,197 | €6,197 | = | 0.0% |
| Reserves not available under the articles | 1311 | €6,197 | €6,197 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€162,745 | -€128,443 | +€34,301 | +21.1% |
| Amounts payable | 17/49 | €403,593 | €328,609 | -€74,984 | -18.6% |
| Amounts payable after more than one year | 17 | €47,772 | €40,309 | -€7,463 | -15.6% |
| Financial debts | 170/4 | €47,772 | €40,309 | -€7,463 | -15.6% |
| Other amounts payable | 178/9 | €0 | - | = | |
| Amounts payable within one year | 42/48 | €355,822 | €288,224 | -€67,598 | -19.0% |
| Current portion of amounts payable after more than one year | 42 | €39,621 | €23,241 | -€16,380 | -41.3% |
| Financial debts | 43 | - | €23,854 | +€23,854 | |
| Credit institutions | 430/8 | - | €23,854 | +€23,854 | |
| Trade debts | 44 | €9,330 | €20,788 | +€11,458 | +123% |
| Suppliers | 440/4 | €9,330 | €20,788 | +€11,458 | +123% |
| Advances received on contracts in progress | 46 | €81,880 | €0 | -€81,880 | -100% |
| Taxes, remuneration and social security | 45 | €14,029 | €15,696 | +€1,667 | +11.9% |
| Taxes | 450/3 | €2,221 | €136 | -€2,085 | -93.9% |
| Remuneration and social security | 454/9 | €11,808 | €15,560 | +€3,751 | +31.8% |
| Other amounts payable | 47/48 | €210,962 | €204,645 | -€6,316 | -3.0% |
| Accrued charges and deferred income | 492/3 | - | €76 | +€76 | |
| Remuneration, social security and pensions | 62 | €93,163 | €104,410 | +€11,247 | +12.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €32,601 | €31,536 | -€1,064 | -3.3% |
| Other operating charges | 640/8 | €1,477 | €2,178 | +€701 | +47.5% |
| Non-recurring operating charges | 66A | €0 | - | = | |
| Gross operating margin | 9900 | €528,145 | €116,390 | -€411,756 | -78.0% |
| Operating profit (loss) | 9901 | €400,905 | -€21,735 | -€422,639 | |
| Financial income | 75/76B | €8,291 | €81,886 | +€73,594 | +888% |
| Recurring financial income | 75 | €8,291 | €81,886 | +€73,594 | +888% |
| Financial charges | 65/66B | €5,867 | €7,120 | +€1,253 | +21.4% |
| Recurring financial charges | 65 | €5,867 | €7,120 | +€1,253 | +21.4% |
| Profit (loss) for the period before taxes | 9903 | €403,328 | €53,031 | -€350,298 | -86.9% |
| Income taxes | 67/77 | €97,795 | €18,729 | -€79,066 | -80.8% |
| Profit (loss) for the period | 9904 | €305,533 | €34,301 | -€271,232 | -88.8% |
| Profit (loss) for the period to be appropriated | 9905 | €305,533 | €34,301 | -€271,232 | -88.8% |
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 6 November 2026 via checked.be.