LOOSVELT VERZEKERINGEN: what changed
LOOSVELT VERZEKERINGEN
Largest movements
- Cash +€29,982
up €29,982 (+19.1%), from €156,762 to €186,744
mainly Depreciation (+€34,249) and Net result for the year (+€32,473)
- Intangible fixed assets -€19,042
down €19,042 (-25.0%), from €76,169 to €57,127
- Deferred charges and accrued income +€16,468
up €16,468 (+216%), from €7,607 to €24,076
- Tangible fixed assets -€13,981
down €13,981 (-23.7%), from €58,881 to €44,900
of which Furniture and vehicles: -€9,888
- Receivables within one year -€3,295
down €3,295 (-71.1%), from €4,635 to €1,340
- Reserves +€29,148
up €29,148 (+26.2%), from €111,215 to €140,363
of which Distributable reserves: +€33,619
- Debts after one year -€13,648
down €13,648 (-25.1%), from €54,295 to €40,647
- Current portion of long-term debt -€5,516
down €5,516 (-28.8%), from €19,164 to €13,648
- Tax, wage and social debts +€5,306
up €5,306 (+11.1%), from €47,820 to €53,126
- Trade debts -€4,327
down €4,327 (-56.2%), from €7,703 to €3,375
- Taxes +€5,999
up €5,999 (+52.2%), from €11,490 to €17,489
- Gross operating margin +€5,814
up €5,814 (+1.7%), from €350,906 to €356,720
- Staff costs -€5,548
down €5,548 (-2.0%), from €275,678 to €270,130
- Depreciation -€4,501
down €4,501 (-11.6%), from €38,750 to €34,249
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €309,147 | €319,278 | +€10,132 | +3.3% |
| Fixed assets | 21/28 | €140,102 | €107,078 | -€33,024 | -23.6% |
| Intangible fixed assets | 21 | €76,169 | €57,127 | -€19,042 | -25.0% |
| Tangible fixed assets | 22/27 | €58,881 | €44,900 | -€13,981 | -23.7% |
| Land and buildings | 22 | €20,408 | €20,408 | = | 0.0% |
| Plant, machinery and equipment | 23 | €24,522 | €19,671 | -€4,851 | -19.8% |
| Furniture and vehicles | 24 | €11,528 | €1,640 | -€9,888 | -85.8% |
| Other tangible fixed assets | 26 | €2,424 | €3,181 | +€757 | +31.2% |
| Financial fixed assets | 28 | €5,051 | €5,051 | = | 0.0% |
| Current assets | 29/58 | €169,045 | €212,201 | +€43,155 | +25.5% |
| Amounts receivable within one year | 40/41 | €4,635 | €1,340 | -€3,295 | -71.1% |
| Other amounts receivable | 41 | €4,635 | €1,340 | -€3,295 | -71.1% |
| Current investments | 50/53 | €41 | €41 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €156,762 | €186,744 | +€29,982 | +19.1% |
| Deferred charges and accrued income | 490/1 | €7,607 | €24,076 | +€16,468 | +216% |
| Total equity and liabilities | 10/49 | €309,147 | €319,278 | +€10,132 | +3.3% |
| Equity | 10/15 | €175,582 | €204,731 | +€29,148 | +16.6% |
| Contributions | 10/11 | €64,367 | €64,367 | = | 0.0% |
| Reserves | 13 | €111,215 | €140,363 | +€29,148 | +26.2% |
| Non-distributable reserves | 130/1 | €7,676 | €7,676 | = | 0.0% |
| Reserves not available under the articles | 1311 | €7,676 | €7,676 | = | 0.0% |
| Tax-exempt reserves | 132 | €28,430 | €23,960 | -€4,470 | -15.7% |
| Distributable reserves | 133 | €75,109 | €108,728 | +€33,619 | +44.8% |
| Provisions and deferred taxes | 16 | €4,583 | €3,437 | -€1,146 | -25.0% |
| Deferred taxes | 168 | €4,583 | €3,437 | -€1,146 | -25.0% |
| Amounts payable | 17/49 | €128,982 | €111,111 | -€17,871 | -13.9% |
| Amounts payable after more than one year | 17 | €54,295 | €40,647 | -€13,648 | -25.1% |
| Financial debts | 170/4 | €54,295 | €40,647 | -€13,648 | -25.1% |
| Amounts payable within one year | 42/48 | €74,687 | €70,464 | -€4,223 | -5.7% |
| Current portion of amounts payable after more than one year | 42 | €19,164 | €13,648 | -€5,516 | -28.8% |
| Trade debts | 44 | €7,703 | €3,375 | -€4,327 | -56.2% |
| Suppliers | 440/4 | €7,703 | €3,375 | -€4,327 | -56.2% |
| Taxes, remuneration and social security | 45 | €47,820 | €53,126 | +€5,306 | +11.1% |
| Remuneration and social security | 454/9 | €47,820 | €53,126 | +€5,306 | +11.1% |
| Other amounts payable | 47/48 | - | €314 | +€314 | |
| Remuneration, social security and pensions | 62 | €275,678 | €270,130 | -€5,548 | -2.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €38,750 | €34,249 | -€4,501 | -11.6% |
| Other operating charges | 640/8 | €4,716 | €5,129 | +€413 | +8.8% |
| Non-recurring operating charges | 66A | - | €963 | +€963 | |
| Gross operating margin | 9900 | €350,906 | €356,720 | +€5,814 | +1.7% |
| Operating profit (loss) | 9901 | €31,762 | €46,249 | +€14,487 | +45.6% |
| Financial income | 75/76B | €293 | €182 | -€111 | -37.9% |
| Recurring financial income | 75 | €293 | €182 | -€111 | -37.9% |
| Financial charges | 65/66B | €1,680 | €939 | -€741 | -44.1% |
| Recurring financial charges | 65 | €1,680 | €939 | -€741 | -44.1% |
| Profit (loss) for the period before taxes | 9903 | €30,375 | €45,492 | +€15,117 | +49.8% |
| Transfer from deferred taxes | 780 | €4,470 | €4,470 | = | 0.0% |
| Income taxes | 67/77 | €11,490 | €17,489 | +€5,999 | +52.2% |
| Profit (loss) for the period | 9904 | €23,356 | €32,473 | +€9,118 | +39.0% |
| Transfer from tax-exempt reserves | 789 | €1,146 | €1,146 | = | 0.0% |
| Profit (loss) for the period to be appropriated | 9905 | €24,501 | €33,619 | +€9,118 | +37.2% |
Next steps
Calculation and sources
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 8 November 2026 via checked.be.