NOVERIA: what changed
What changed
NOVERIA
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€214,697
2024 · €84,245+€130,451
Equity
€531,279
2024 · €389,713+€141,566
Cash
€18,687
2024 · €13,416+€5,271
Balance sheet total
€872,956
2024 · €717,605+€155,351
Largest movements
Assets
- Receivables within one year +€229,097
up €229,097 (+535%), from €42,830 to €271,927
of which Other amounts receivable: +€225,614
- Receivables after one year -€68,000
down €68,000 (-13.1%), from €521,058 to €453,058
- Tangible fixed assets -€30,908
down €30,908 (-49.2%), from €62,778 to €31,870
of which Furniture and vehicles: -€29,654
- Current investments +€28,944
up €28,944 (+53.4%), from €54,234 to €83,178
Equity and liabilities
- Profit (loss) carried forward +€214,697
up €214,697 (+6,758%), from €3,177 to €217,874
- Tax, wage and social debts +€76,258
up €76,258 (+173%), from €44,132 to €120,390
of which Taxes: +€54,792
- Reserves -€73,131
down €73,131 (-19.9%), from €367,936 to €294,805
- Other debts -€36,185
down €36,185 (-18.7%), from €193,409 to €157,224
- Debts after one year -€21,960
down €21,960 (-43.3%), from €50,685 to €28,725
Income statement
- Gross operating margin +€184,018
up €184,018 (+66.9%), from €274,973 to €458,991
- Taxes +€57,766
up €57,766 (+332%), from €17,409 to €75,175
- Financial charges -€41,853
down €41,853 (-93.7%), from €44,658 to €2,805
- Provisions +€40,783
no longer reported in 2025 (was -€40,783)
- Staff costs +€24,960
up €24,960 (+19.3%), from €129,098 to €154,058
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
€84,245
Gross operating margin
+€184,018
Staff costs
-€24,960
Depreciation
+€15,689
Provisions
-€40,783
Other operating charges
+€10,627
Financial income
+€1,774
Financial charges
+€41,853
Taxes
-€57,766
Result 2025
€214,697
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
+€126,194
Investment
-€18,278
Financing
-€102,644
Cash 2024
€13,416
From operations (derived)
+€126,194
Net result for the year
+€214,697
Depreciation
+€26,700
Receivables after one year
+€68,000
Receivables within one year
-€229,097
Deferred charges and accrued income
+€2,595
Trade debts
+€3,267
Tax, wage and social debts
+€76,258
Other debts
-€36,185
Accrued charges and deferred income
-€41
Investment (derived)
-€18,278
Investment in fixed assets (net)
+€10,666
Current investments
-€28,944
Financing
-€102,644
Debts after one year
-€21,960
Current portion of long-term debt
-€7,553
Contributions, distributions and other
-€73,131
Cash 2025
€18,687
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €717,605 | €872,956 | +€155,351 | +21.6% |
| Fixed assets | 21/28 | €81,814 | €44,448 | -€37,366 | -45.7% |
| Intangible fixed assets | 21 | €19,036 | €12,577 | -€6,458 | -33.9% |
| Tangible fixed assets | 22/27 | €62,778 | €31,870 | -€30,908 | -49.2% |
| Furniture and vehicles | 24 | €61,243 | €31,590 | -€29,654 | -48.4% |
| Other tangible fixed assets | 26 | €1,535 | €281 | -€1,254 | -81.7% |
| Current assets | 29/58 | €635,791 | €828,509 | +€192,717 | +30.3% |
| Amounts receivable after more than one year | 29 | €521,058 | €453,058 | -€68,000 | -13.1% |
| Other amounts receivable | 291 | €521,058 | €453,058 | -€68,000 | -13.1% |
| Amounts receivable within one year | 40/41 | €42,830 | €271,927 | +€229,097 | +535% |
| Trade receivables | 40 | €28,873 | €32,356 | +€3,483 | +12.1% |
| Other amounts receivable | 41 | €13,957 | €239,571 | +€225,614 | +1,616% |
| Current investments | 50/53 | €54,234 | €83,178 | +€28,944 | +53.4% |
| Cash at bank and in hand | 54/58 | €13,416 | €18,687 | +€5,271 | +39.3% |
| Deferred charges and accrued income | 490/1 | €4,253 | €1,658 | -€2,595 | -61.0% |
| Total equity and liabilities | 10/49 | €717,605 | €872,956 | +€155,351 | +21.6% |
| Equity | 10/15 | €389,713 | €531,279 | +€141,566 | +36.3% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €367,936 | €294,805 | -€73,131 | -19.9% |
| Distributable reserves | 133 | €367,936 | €294,805 | -€73,131 | -19.9% |
| Profit (loss) carried forward | 14 | €3,177 | €217,874 | +€214,697 | +6,758% |
| Amounts payable | 17/49 | €327,892 | €341,677 | +€13,785 | +4.2% |
| Amounts payable after more than one year | 17 | €50,685 | €28,725 | -€21,960 | -43.3% |
| Financial debts | 170/4 | €50,685 | €28,725 | -€21,960 | -43.3% |
| Amounts payable within one year | 42/48 | €277,165 | €312,952 | +€35,787 | +12.9% |
| Current portion of amounts payable after more than one year | 42 | €29,513 | €21,960 | -€7,553 | -25.6% |
| Trade debts | 44 | €10,111 | €13,378 | +€3,267 | +32.3% |
| Suppliers | 440/4 | €10,111 | €13,378 | +€3,267 | +32.3% |
| Taxes, remuneration and social security | 45 | €44,132 | €120,390 | +€76,258 | +173% |
| Taxes | 450/3 | €31,409 | €86,201 | +€54,792 | +174% |
| Remuneration and social security | 454/9 | €12,723 | €34,189 | +€21,467 | +169% |
| Other amounts payable | 47/48 | €193,409 | €157,224 | -€36,185 | -18.7% |
| Accrued charges and deferred income | 492/3 | €41 | - | -€41 | |
| Remuneration, social security and pensions | 62 | €129,098 | €154,058 | +€24,960 | +19.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €42,390 | €26,700 | -€15,689 | -37.0% |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | -€40,783 | - | +€40,783 | |
| Other operating charges | 640/8 | €11,550 | €923 | -€10,627 | -92.0% |
| Gross operating margin | 9900 | €274,973 | €458,991 | +€184,018 | +66.9% |
| Operating profit (loss) | 9901 | €132,720 | €277,310 | +€144,590 | +109% |
| Financial income | 75/76B | €13,593 | €15,367 | +€1,774 | +13.1% |
| Recurring financial income | 75 | €13,593 | €15,367 | +€1,774 | +13.1% |
| Financial charges | 65/66B | €44,658 | €2,805 | -€41,853 | -93.7% |
| Recurring financial charges | 65 | €44,658 | €2,805 | -€41,853 | -93.7% |
| Profit (loss) for the period before taxes | 9903 | €101,654 | €289,872 | +€188,217 | +185% |
| Income taxes | 67/77 | €17,409 | €75,175 | +€57,766 | +332% |
| Profit (loss) for the period | 9904 | €84,245 | €214,697 | +€130,451 | +155% |
| Profit (loss) for the period to be appropriated | 9905 | €84,245 | €214,697 | +€130,451 | +155% |
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 7 November 2026 via checked.be.