MEUSE CONDROZ CONSEILS: what changed
What changed
MEUSE CONDROZ CONSEILS
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€212,389
2024 · €200,111+€12,278
Equity
€119,030
2024 · €106,641+€12,389
Cash
€221,388
2024 · €142,398+€78,990
Balance sheet total
€1.2m
2024 · €1.3m-€87,310
Largest movements
Assets
- Intangible fixed assets -€110,233
down €110,233 (-37.6%), from €293,082 to €182,850
- Cash +€78,990
up €78,990 (+55.5%), from €142,398 to €221,388
mainly Net result for the year (+€212,389) and Depreciation (+€109,894)
- Tangible fixed assets -€37,126
down €37,126 (-4.8%), from €768,511 to €731,385
of which Land and buildings: -€34,554
Equity and liabilities
- Debts after one year -€178,213
down €178,213 (-23.6%), from €753,878 to €575,664
- Tax, wage and social debts +€48,025
up €48,025 (+57.3%), from €83,878 to €131,902
of which Taxes: +€38,028
- Other debts +€20,065
up €20,065 (+11.1%), from €180,840 to €200,906
Income statement
- Staff costs +€28,894
up €28,894 (+11.9%), from €243,367 to €272,260
- Gross operating margin +€26,468
up €26,468 (+3.9%), from €682,854 to €709,322
- Depreciation -€13,148
down €13,148 (-10.7%), from €123,041 to €109,894
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
€200,111
Gross operating margin
+€26,468
Staff costs
-€28,894
Depreciation
+€13,148
Other operating charges
-€675
Financial income
+€305
Financial charges
+€4,015
Taxes
-€2,089
Result 2025
€212,389
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
+€409,397
Investment
+€37,465
Financing
-€367,872
Cash 2024
€142,398
From operations (derived)
+€409,397
Net result for the year
+€212,389
Depreciation
+€109,894
Receivables within one year
+€8,778
Deferred charges and accrued income
+€10,164
Trade debts
+€83
Tax, wage and social debts
+€48,025
Other debts
+€20,065
Investment (derived)
+€37,465
Investment in fixed assets (net)
+€37,465
Financing
-€367,872
Debts after one year
-€178,213
Current portion of long-term debt
+€10,342
Contributions, distributions and other
-€200,000
Cash 2025
€221,388
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,321,374 | €1,234,064 | -€87,310 | -6.6% |
| Fixed assets | 21/28 | €1,061,593 | €914,235 | -€147,358 | -13.9% |
| Intangible fixed assets | 21 | €293,082 | €182,850 | -€110,233 | -37.6% |
| Tangible fixed assets | 22/27 | €768,511 | €731,385 | -€37,126 | -4.8% |
| Land and buildings | 22 | €733,860 | €699,306 | -€34,554 | -4.7% |
| Furniture and vehicles | 24 | €34,650 | €32,079 | -€2,571 | -7.4% |
| Current assets | 29/58 | €259,782 | €319,830 | +€60,048 | +23.1% |
| Amounts receivable within one year | 40/41 | €101,937 | €93,159 | -€8,778 | -8.6% |
| Trade receivables | 40 | €101,937 | €93,159 | -€8,778 | -8.6% |
| Cash at bank and in hand | 54/58 | €142,398 | €221,388 | +€78,990 | +55.5% |
| Deferred charges and accrued income | 490/1 | €15,447 | €5,283 | -€10,164 | -65.8% |
| Total equity and liabilities | 10/49 | €1,321,374 | €1,234,064 | -€87,310 | -6.6% |
| Equity | 10/15 | €106,641 | €119,030 | +€12,389 | +11.6% |
| Contributions | 10/11 | €80,800 | €80,800 | = | 0.0% |
| Profit (loss) carried forward | 14 | €25,841 | €38,230 | +€12,389 | +47.9% |
| Amounts payable | 17/49 | €1,214,733 | €1,115,035 | -€99,699 | -8.2% |
| Amounts payable after more than one year | 17 | €753,878 | €575,664 | -€178,213 | -23.6% |
| Financial debts | 170/4 | €753,878 | €575,664 | -€178,213 | -23.6% |
| Amounts payable within one year | 42/48 | €460,856 | €539,370 | +€78,515 | +17.0% |
| Current portion of amounts payable after more than one year | 42 | €191,348 | €201,689 | +€10,342 | +5.4% |
| Trade debts | 44 | €4,790 | €4,873 | +€83 | +1.7% |
| Suppliers | 440/4 | €4,790 | €4,873 | +€83 | +1.7% |
| Taxes, remuneration and social security | 45 | €83,878 | €131,902 | +€48,025 | +57.3% |
| Taxes | 450/3 | €55,778 | €93,806 | +€38,028 | +68.2% |
| Remuneration and social security | 454/9 | €28,100 | €38,097 | +€9,997 | +35.6% |
| Other amounts payable | 47/48 | €180,840 | €200,906 | +€20,065 | +11.1% |
| Remuneration, social security and pensions | 62 | €243,367 | €272,260 | +€28,894 | +11.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €123,041 | €109,894 | -€13,148 | -10.7% |
| Other operating charges | 640/8 | €9,696 | €10,371 | +€675 | +7.0% |
| Gross operating margin | 9900 | €682,854 | €709,322 | +€26,468 | +3.9% |
| Operating profit (loss) | 9901 | €306,750 | €316,797 | +€10,047 | +3.3% |
| Financial income | 75/76B | €1 | €306 | +€305 | +30,193% |
| Recurring financial income | 75 | €1 | €306 | +€305 | +30,193% |
| Financial charges | 65/66B | €32,643 | €28,628 | -€4,015 | -12.3% |
| Recurring financial charges | 65 | €32,597 | €28,628 | -€3,969 | -12.2% |
| Non-recurring financial charges | 66B | €46 | - | -€46 | |
| Profit (loss) for the period before taxes | 9903 | €274,108 | €288,475 | +€14,367 | +5.2% |
| Income taxes | 67/77 | €73,998 | €76,086 | +€2,089 | +2.8% |
| Profit (loss) for the period | 9904 | €200,111 | €212,389 | +€12,278 | +6.1% |
| Profit (loss) for the period to be appropriated | 9905 | €200,111 | €212,389 | +€12,278 | +6.1% |
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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 2 November 2026 via checked.be.