KANTOOR WOUTERS: what changed
What changed
KANTOOR WOUTERS
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€232,580
2024 · €107,374+€125,207
Equity
€577,544
2024 · €705,010-€127,466
Cash
€369,832
2024 · €417,808-€47,976
Balance sheet total
€732,759
2024 · €892,333-€159,574
Largest movements
Assets
- Intangible fixed assets -€72,000
down €72,000 (-25.0%), from €288,000 to €216,000
- Cash -€47,976
down €47,976 (-11.5%), from €417,808 to €369,832
mainly Contributions, distributions and other (-€360,046) and Current portion of long-term debt (-€73,384)
- Tangible fixed assets -€34,473
down €34,473 (-33.1%), from €104,281 to €69,808
of which Furniture and vehicles: -€23,139
Equity and liabilities
- Reserves -€127,466
down €127,466 (-18.6%), from €686,410 to €558,944
- Current portion of long-term debt -€73,384
down €73,384 (-86.4%), from €84,912 to €11,528
- Tax, wage and social debts +€58,997
up €58,997 (+120%), from €49,201 to €108,198
of which Taxes: +€59,638
- Debts after one year -€11,528
down €11,528 (-30.5%), from €37,785 to €26,257
Income statement
- Gross operating margin +€186,575
up €186,575 (+33.4%), from €559,252 to €745,827
- Taxes +€61,233
up €61,233 (+125%), from €49,059 to €110,292
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
€107,374
Gross operating margin
+€186,575
Staff costs
-€2,510
Depreciation
-€1,289
Other operating charges
+€472
Financial income
+€2,438
Financial charges
+€754
Taxes
-€61,233
Result 2025
€232,580
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
+€396,981
Investment
€0
Financing
-€444,957
Cash 2024
€417,808
From operations (derived)
+€396,981
Net result for the year
+€232,580
Depreciation
+€106,473
Receivables within one year
+€7,497
Deferred charges and accrued income
-€2,371
Trade debts
-€6,597
Tax, wage and social debts
+€58,997
Smaller working-capital items
+€403
Financing
-€444,957
Debts after one year
-€11,528
Current portion of long-term debt
-€73,384
Contributions, distributions and other
-€360,046
Cash 2025
€369,832
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €892,333 | €732,759 | -€159,574 | -17.9% |
| Fixed assets | 21/28 | €392,281 | €285,808 | -€106,473 | -27.1% |
| Intangible fixed assets | 21 | €288,000 | €216,000 | -€72,000 | -25.0% |
| Tangible fixed assets | 22/27 | €104,281 | €69,808 | -€34,473 | -33.1% |
| Land and buildings | 22 | €20,778 | €9,444 | -€11,333 | -54.5% |
| Furniture and vehicles | 24 | €83,503 | €60,364 | -€23,139 | -27.7% |
| Current assets | 29/58 | €500,053 | €446,951 | -€53,102 | -10.6% |
| Amounts receivable within one year | 40/41 | €71,376 | €63,879 | -€7,497 | -10.5% |
| Trade receivables | 40 | €30,782 | €32,631 | +€1,849 | +6.0% |
| Other amounts receivable | 41 | €40,594 | €31,248 | -€9,346 | -23.0% |
| Current investments | 50/53 | €0 | - | = | |
| Cash at bank and in hand | 54/58 | €417,808 | €369,832 | -€47,976 | -11.5% |
| Deferred charges and accrued income | 490/1 | €10,869 | €13,240 | +€2,371 | +21.8% |
| Total equity and liabilities | 10/49 | €892,333 | €732,759 | -€159,574 | -17.9% |
| Equity | 10/15 | €705,010 | €577,544 | -€127,466 | -18.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €686,410 | €558,944 | -€127,466 | -18.6% |
| Distributable reserves | 133 | €686,410 | €558,944 | -€127,466 | -18.6% |
| Profit (loss) carried forward | 14 | - | €0 | = | |
| Amounts payable | 17/49 | €187,323 | €155,215 | -€32,109 | -17.1% |
| Amounts payable after more than one year | 17 | €37,785 | €26,257 | -€11,528 | -30.5% |
| Financial debts | 170/4 | €37,785 | €26,257 | -€11,528 | -30.5% |
| Amounts payable within one year | 42/48 | €147,623 | €127,417 | -€20,206 | -13.7% |
| Current portion of amounts payable after more than one year | 42 | €84,912 | €11,528 | -€73,384 | -86.4% |
| Trade debts | 44 | €10,881 | €4,284 | -€6,597 | -60.6% |
| Suppliers | 440/4 | €10,881 | €4,284 | -€6,597 | -60.6% |
| Taxes, remuneration and social security | 45 | €49,201 | €108,198 | +€58,997 | +120% |
| Taxes | 450/3 | €8,481 | €68,119 | +€59,638 | +703% |
| Remuneration and social security | 454/9 | €40,721 | €40,079 | -€642 | -1.6% |
| Other amounts payable | 47/48 | €2,629 | €3,407 | +€778 | +29.6% |
| Accrued charges and deferred income | 492/3 | €1,916 | €1,541 | -€375 | -19.6% |
| Non-recurring operating income | 76A | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €292,371 | €294,881 | +€2,510 | +0.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €105,183 | €106,473 | +€1,289 | +1.2% |
| Other operating charges | 640/8 | €2,814 | €2,342 | -€472 | -16.8% |
| Gross operating margin | 9900 | €559,252 | €745,827 | +€186,575 | +33.4% |
| Operating profit (loss) | 9901 | €158,884 | €342,132 | +€183,248 | +115% |
| Financial income | 75/76B | €292 | €2,730 | +€2,438 | +834% |
| Recurring financial income | 75 | €292 | €2,730 | +€2,438 | +834% |
| Financial charges | 65/66B | €2,745 | €1,990 | -€754 | -27.5% |
| Recurring financial charges | 65 | €2,745 | €1,990 | -€754 | -27.5% |
| Profit (loss) for the period before taxes | 9903 | €156,432 | €342,872 | +€186,439 | +119% |
| Income taxes | 67/77 | €49,059 | €110,292 | +€61,233 | +125% |
| Profit (loss) for the period | 9904 | €107,374 | €232,580 | +€125,207 | +117% |
| Profit (loss) for the period to be appropriated | 9905 | €107,374 | €232,580 | +€125,207 | +117% |
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 8 November 2026 via checked.be.