LOMMOL: what changed
What changed
LOMMOL
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€610,348
2024 · €837,961-€227,612
Equity
€161,309
2024 · €100,961+€60,348
Cash
€1,297
2024 · -+€1,297
Balance sheet total
€3.8m
2024 · €4.0m-€240,719
Largest movements
Assets
- Intangible fixed assets -€353,052
down €353,052 (-11.8%), from €3.0m to €2.6m
- Deferred charges and accrued income +€103,812
up €103,812 (+12.1%), from €859,651 to €963,463
Equity and liabilities
- Debts after one year -€280,680
down €280,680 (-12.2%), from €2.3m to €2.0m
- Other debts -€206,482
down €206,482 (-27.3%), from €757,068 to €550,586
- Short-term financial debts +€165,747
up €165,747 (+43.9%), from €377,321 to €543,068
- Reserves +€60,348
up €60,348 (+74.5%), from €80,961 to €141,309
Income statement
- Gross operating margin -€766,708
down €766,708 (-24.9%), from €3.1m to €2.3m
- Staff costs -€502,102
down €502,102 (-30.3%), from €1.7m to €1.2m
- Financial income -€200,173
down €200,173 (-100.0%), from €200,258 to €85
- Depreciation -€169,987
down €169,987 (-30.6%), from €555,719 to €385,733
- Financial charges -€62,254
down €62,254 (-35.4%), from €175,948 to €113,694
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
€837,961
Gross operating margin
-€766,708
Staff costs
+€502,102
Depreciation
+€169,987
Other operating charges
+€98
Other operating items
-€750
Financial income
-€200,173
Financial charges
+€62,254
Taxes
+€5,578
Result 2025
€610,348
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
+€692,566
Investment
-€36,625
Financing
-€654,644
Cash 2024
€0
From operations (derived)
+€692,566
Net result for the year
+€610,348
Depreciation
+€385,733
Receivables within one year
-€3,280
Deferred charges and accrued income
-€103,812
Trade debts
+€15,331
Tax, wage and social debts
-€5,272
Other debts
-€206,482
Investment (derived)
-€36,625
Investment in fixed assets (net)
-€36,625
Financing
-€654,644
Debts after one year
-€280,680
Current portion of long-term debt
+€10,288
Short-term financial debts
+€165,747
Contributions, distributions and other
-€550,000
Cash 2025
€1,297
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €3,995,364 | €3,754,646 | -€240,719 | -6.0% |
| Fixed assets | 21/28 | €3,135,603 | €2,786,495 | -€349,108 | -11.1% |
| Intangible fixed assets | 21 | €3,002,394 | €2,649,342 | -€353,052 | -11.8% |
| Tangible fixed assets | 22/27 | €133,209 | €137,153 | +€3,944 | +3.0% |
| Land and buildings | 22 | €14,930 | €14,530 | -€400 | -2.7% |
| Plant, machinery and equipment | 23 | €8,210 | €3,373 | -€4,837 | -58.9% |
| Furniture and vehicles | 24 | €105,283 | €89,406 | -€15,877 | -15.1% |
| Other tangible fixed assets | 26 | €4,786 | €29,845 | +€25,059 | +524% |
| Current assets | 29/58 | €859,762 | €968,151 | +€108,389 | +12.6% |
| Amounts receivable within one year | 40/41 | €111 | €3,391 | +€3,280 | +2,967% |
| Trade receivables | 40 | €111 | €3,391 | +€3,280 | +2,967% |
| Cash at bank and in hand | 54/58 | - | €1,297 | +€1,297 | |
| Deferred charges and accrued income | 490/1 | €859,651 | €963,463 | +€103,812 | +12.1% |
| Total equity and liabilities | 10/49 | €3,995,364 | €3,754,646 | -€240,719 | -6.0% |
| Equity | 10/15 | €100,961 | €161,309 | +€60,348 | +59.8% |
| Contributions | 10/11 | €20,000 | €20,000 | = | 0.0% |
| Reserves | 13 | €80,961 | €141,309 | +€60,348 | +74.5% |
| Distributable reserves | 133 | €80,961 | €141,309 | +€60,348 | +74.5% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €3,894,404 | €3,593,337 | -€301,067 | -7.7% |
| Amounts payable after more than one year | 17 | €2,309,296 | €2,028,616 | -€280,680 | -12.2% |
| Financial debts | 170/4 | €2,309,296 | €2,028,616 | -€280,680 | -12.2% |
| Amounts payable within one year | 42/48 | €1,585,108 | €1,564,721 | -€20,387 | -1.3% |
| Current portion of amounts payable after more than one year | 42 | €270,392 | €280,680 | +€10,288 | +3.8% |
| Financial debts | 43 | €377,321 | €543,068 | +€165,747 | +43.9% |
| Credit institutions | 430/8 | €377,321 | €543,068 | +€165,747 | +43.9% |
| Trade debts | 44 | €13,516 | €28,848 | +€15,331 | +113% |
| Suppliers | 440/4 | €13,516 | €28,848 | +€15,331 | +113% |
| Taxes, remuneration and social security | 45 | €166,811 | €161,539 | -€5,272 | -3.2% |
| Taxes | 450/3 | €50,037 | €44,417 | -€5,619 | -11.2% |
| Remuneration and social security | 454/9 | €116,775 | €117,122 | +€347 | +0.3% |
| Other amounts payable | 47/48 | €757,068 | €550,586 | -€206,482 | -27.3% |
| Remuneration, social security and pensions | 62 | €1,658,512 | €1,156,409 | -€502,102 | -30.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €555,719 | €385,733 | -€169,987 | -30.6% |
| Other operating charges | 640/8 | €5,606 | €5,507 | -€98 | -1.8% |
| Non-recurring operating charges | 66A | - | €750 | +€750 | |
| Gross operating margin | 9900 | €3,083,498 | €2,316,790 | -€766,708 | -24.9% |
| Operating profit (loss) | 9901 | €863,662 | €768,391 | -€95,271 | -11.0% |
| Financial income | 75/76B | €200,258 | €85 | -€200,173 | -100.0% |
| Recurring financial income | 75 | €200,258 | €85 | -€200,173 | -100.0% |
| Financial charges | 65/66B | €175,948 | €113,694 | -€62,254 | -35.4% |
| Recurring financial charges | 65 | €175,948 | €113,694 | -€62,254 | -35.4% |
| Profit (loss) for the period before taxes | 9903 | €887,972 | €654,782 | -€233,190 | -26.3% |
| Income taxes | 67/77 | €50,012 | €44,434 | -€5,578 | -11.2% |
| Profit (loss) for the period | 9904 | €837,961 | €610,348 | -€227,612 | -27.2% |
| Profit (loss) for the period to be appropriated | 9905 | €837,961 | €610,348 | -€227,612 | -27.2% |
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 4 November 2026 via checked.be.