KRIKO IMMO: what changed
What changed
KRIKO IMMO
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
-€39,392
2024 · -€14,443-€24,949
Equity
€325,202
2024 · €364,594-€39,392
Cash
€9,876
2024 · €8,343+€1,533
Balance sheet total
€669,887
2024 · €693,094-€23,207
Largest movements
Assets
- Tangible fixed assets -€40,348
down €40,348 (-5.9%), from €681,749 to €641,401
of which Land and buildings: -€27,207
- Receivables within one year +€16,341
up €16,341 (+720%), from €2,269 to €18,610
of which Trade receivables: +€16,731
Equity and liabilities
- Profit (loss) carried forward -€39,392
down €39,392 (-27.2%), from €145,004 to €105,612
- Trade debts +€29,616
up €29,616 (+3,041%), from €974 to €30,590
- Debts after one year -€21,084
down €21,084 (-11.7%), from €180,055 to €158,971
- Other debts +€14,335
up €14,335 (+11.7%), from €122,438 to €136,773
- Current portion of long-term debt -€9,779
down €9,779 (-43.8%), from €22,306 to €12,527
Income statement
- Gross operating margin -€25,373
down €25,373 (-52.9%), from €47,990 to €22,617
- Depreciation -€17,385
down €17,385 (-35.1%), from €49,498 to €32,113
- Other operating charges +€5,028
up €5,028 (+94.5%), from €5,318 to €10,346
- Financial charges +€2,388
up €2,388 (+35.7%), from €6,691 to €9,079
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
-€14,443
Gross operating margin
-€25,373
Staff costs
+€284
Depreciation
+€17,385
Other operating charges
-€5,028
Other operating items
-€8,235
Financial charges
-€2,388
Taxes
-€450
Deferred taxes and other
-€1,144
Result 2025
-€39,392
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
+€24,161
Investment
+€8,235
Financing
-€30,863
Cash 2024
€8,343
From operations (derived)
+€24,161
Net result for the year
-€39,392
Depreciation
+€32,113
Receivables within one year
-€16,341
Deferred charges and accrued income
+€733
Trade debts
+€29,616
Tax, wage and social debts
+€5,133
Other debts
+€14,335
Accrued charges and deferred income
-€2,036
Investment (derived)
+€8,235
Investment in fixed assets (net)
+€8,235
Financing
-€30,863
Debts after one year
-€21,084
Current portion of long-term debt
-€9,779
Cash 2025
€9,876
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €693,094 | €669,887 | -€23,207 | -3.3% |
| Fixed assets | 21/28 | €681,749 | €641,401 | -€40,348 | -5.9% |
| Tangible fixed assets | 22/27 | €681,749 | €641,401 | -€40,348 | -5.9% |
| Land and buildings | 22 | €652,384 | €625,177 | -€27,207 | -4.2% |
| Plant, machinery and equipment | 23 | €3,283 | €1,798 | -€1,485 | -45.2% |
| Furniture and vehicles | 24 | €26,082 | €14,426 | -€11,656 | -44.7% |
| Current assets | 29/58 | €11,345 | €28,486 | +€17,141 | +151% |
| Amounts receivable within one year | 40/41 | €2,269 | €18,610 | +€16,341 | +720% |
| Trade receivables | 40 | €1,879 | €18,610 | +€16,731 | +890% |
| Other amounts receivable | 41 | €390 | - | -€390 | |
| Cash at bank and in hand | 54/58 | €8,343 | €9,876 | +€1,533 | +18.4% |
| Deferred charges and accrued income | 490/1 | €733 | - | -€733 | |
| Total equity and liabilities | 10/49 | €693,094 | €669,887 | -€23,207 | -3.3% |
| Equity | 10/15 | €364,594 | €325,202 | -€39,392 | -10.8% |
| Contributions | 10/11 | €18,592 | €18,592 | = | 0.0% |
| Revaluation surpluses | 12 | €7,906 | €7,906 | = | 0.0% |
| Reserves | 13 | €193,092 | €193,092 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,859 | €1,859 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,859 | €1,859 | = | 0.0% |
| Distributable reserves | 133 | €191,233 | €191,233 | = | 0.0% |
| Profit (loss) carried forward | 14 | €145,004 | €105,612 | -€39,392 | -27.2% |
| Amounts payable | 17/49 | €328,500 | €344,685 | +€16,185 | +4.9% |
| Amounts payable after more than one year | 17 | €180,055 | €158,971 | -€21,084 | -11.7% |
| Financial debts | 170/4 | €180,055 | €158,971 | -€21,084 | -11.7% |
| Amounts payable within one year | 42/48 | €146,409 | €185,714 | +€39,305 | +26.8% |
| Current portion of amounts payable after more than one year | 42 | €22,306 | €12,527 | -€9,779 | -43.8% |
| Trade debts | 44 | €974 | €30,590 | +€29,616 | +3,041% |
| Suppliers | 440/4 | €974 | €30,590 | +€29,616 | +3,041% |
| Taxes, remuneration and social security | 45 | €691 | €5,824 | +€5,133 | +743% |
| Taxes | 450/3 | €691 | €5,824 | +€5,133 | +743% |
| Other amounts payable | 47/48 | €122,438 | €136,773 | +€14,335 | +11.7% |
| Accrued charges and deferred income | 492/3 | €2,036 | - | -€2,036 | |
| Remuneration, social security and pensions | 62 | €284 | - | -€284 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €49,498 | €32,113 | -€17,385 | -35.1% |
| Other operating charges | 640/8 | €5,318 | €10,346 | +€5,028 | +94.5% |
| Non-recurring operating charges | 66A | - | €8,235 | +€8,235 | |
| Gross operating margin | 9900 | €47,990 | €22,617 | -€25,373 | -52.9% |
| Operating profit (loss) | 9901 | -€7,110 | -€28,077 | -€20,967 | -295% |
| Financial charges | 65/66B | €6,691 | €9,079 | +€2,388 | +35.7% |
| Recurring financial charges | 65 | €6,691 | €9,079 | +€2,388 | +35.7% |
| Profit (loss) for the period before taxes | 9903 | -€13,801 | -€37,156 | -€23,355 | -169% |
| Transfer from deferred taxes | 780 | €1,144 | - | -€1,144 | |
| Income taxes | 67/77 | €1,786 | €2,236 | +€450 | +25.2% |
| Profit (loss) for the period | 9904 | -€14,443 | -€39,392 | -€24,949 | -173% |
| Transfer from tax-exempt reserves | 789 | €3,432 | - | -€3,432 | |
| Profit (loss) for the period to be appropriated | 9905 | -€11,011 | -€39,392 | -€28,381 | -258% |
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 3 November 2026 via checked.be.