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OEBE: what changed

Two fiscal years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.

What changed

OEBE

BE 0671.901.281
NACE 66.191, Agents and brokers in banking services
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€5,710
2024 · -€13,802+€19,512
Equity
-€6,781
2024 · -€12,491+€5,710
Cash
€16,522
2024 · €115,866-€99,344
Balance sheet total
€17,946
2024 · €125,643-€107,697

Largest movements

2024 to 2025
Assets
  • Cash -€99,344

    down €99,344 (-85.7%), from €115,866 to €16,522

    mainly Other debts (-€114,720)

  • Tangible fixed assets -€6,185

    down €6,185 (-100.0%), from €6,185 to €0

    of which Plant, machinery and equipment: -€3,394

  • Receivables within one year -€2,301

    down €2,301 (-100.0%), from €2,301 to €0

    of which Other amounts receivable: -€2,301

Equity and liabilities
  • Other debts -€114,720

    down €114,720 (-100.0%), from €114,720 to €0

  • Profit (loss) carried forward +€7,570

    up €7,570 (+36.8%), from -€20,551 to -€12,981

  • Reserves -€1,860

    down €1,860 (-100.0%), from €1,860 to €0

    of which Distributable reserves: -€1,860

Income statement
  • Staff costs -€43,316

    down €43,316 (-18.7%), from €232,040 to €188,724

  • Gross operating margin -€25,071

    down €25,071 (-11.0%), from €228,269 to €203,198

  • Financial charges -€2,372

    down €2,372 (-93.5%), from €2,536 to €164

From the 2024 result to the 2025 result

effect on the result

Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.

Result 2024 -€13,802
Gross operating margin -€25,071
Staff costs +€43,316
Depreciation +€1,708
Other operating charges +€1,670
Other operating items -€6,185
Financial income +€677
Financial charges +€2,372
Taxes +€1,026
Result 2025 €5,710

Cash bridge derived

cash 2024 to 2025

Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations -€105,529
Investment +€6,185
Financing €0
Cash 2024 €115,866
Net result for the year +€5,710
Receivables within one year +€2,301
Smaller working-capital items +€151
Trade debts +€1,029
Other debts -€114,720
Investment in fixed assets (net) +€6,185
Cash 2025 €16,522
Every line side by side 41 lines
Line Code 2024 2025 Change %
Total assets 20/58 €125,643 €17,946 -€107,697 -85.7%
Fixed assets 21/28 €6,185 €0 -€6,185 -100.0%
Tangible fixed assets 22/27 €6,185 €0 -€6,185 -100.0%
Plant, machinery and equipment 23 €3,394 €0 -€3,394 -100.0%
Furniture and vehicles 24 €2,791 €0 -€2,791 -100.0%
Current assets 29/58 €119,458 €17,946 -€101,512 -85.0%
Amounts receivable within one year 40/41 €2,301 €0 -€2,301 -100.0%
Trade receivables 40 €0 - =
Other amounts receivable 41 €2,301 €0 -€2,301 -100.0%
Cash at bank and in hand 54/58 €115,866 €16,522 -€99,344 -85.7%
Deferred charges and accrued income 490/1 €1,291 €1,424 +€134 +10.3%
Total equity and liabilities 10/49 €125,643 €17,946 -€107,697 -85.7%
Equity 10/15 -€12,491 -€6,781 +€5,710 +45.7%
Contributions 10/11 €6,200 €6,200 = 0.0%
Reserves 13 €1,860 €0 -€1,860 -100.0%
Non-distributable reserves 130/1 €0 - =
Reserves not available under the articles 1311 €0 - =
Distributable reserves 133 €1,860 €0 -€1,860 -100.0%
Profit (loss) carried forward 14 -€20,551 -€12,981 +€7,570 +36.8%
Amounts payable 17/49 €138,134 €24,727 -€113,407 -82.1%
Amounts payable within one year 42/48 €138,134 €24,727 -€113,407 -82.1%
Trade debts 44 €930 €1,959 +€1,029 +110.6%
Suppliers 440/4 €930 €1,959 +€1,029 +110.6%
Taxes, remuneration and social security 45 €22,484 €22,769 +€285 +1.3%
Taxes 450/3 €0 €1,732 +€1,732
Remuneration and social security 454/9 €22,484 €21,037 -€1,447 -6.4%
Other amounts payable 47/48 €114,720 €0 -€114,720 -100.0%
Remuneration, social security and pensions 62 €232,040 €188,724 -€43,316 -18.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €1,708 €0 -€1,708 -100.0%
Other operating charges 640/8 €3,572 €1,903 -€1,670 -46.7%
Non-recurring operating charges 66A - €6,185 +€6,185
Gross operating margin 9900 €228,269 €203,198 -€25,071 -11.0%
Operating profit (loss) 9901 -€9,052 €6,386 +€15,438
Financial income 75/76B €543 €1,220 +€677 +124.7%
Recurring financial income 75 €543 €1,220 +€677 +124.7%
Financial charges 65/66B €2,536 €164 -€2,372 -93.5%
Recurring financial charges 65 €2,536 €164 -€2,372 -93.5%
Profit (loss) for the period before taxes 9903 -€11,045 €7,442 +€18,487
Income taxes 67/77 €2,757 €1,732 -€1,026 -37.2%
Profit (loss) for the period 9904 -€13,802 €5,710 +€19,512
Profit (loss) for the period to be appropriated 9905 -€13,802 €5,710 +€19,512

Source: filed annual accounts (NBB), fiscal years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 28 September 2026 via checked.be.