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OneToWatch: 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

OneToWatch

BE 1007.546.225
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€65,933
2024 · €35,770+€30,163
Equity
€104,702
2024 · €38,770+€65,933
Cash
€63,661
2024 · €11,918+€51,742
Balance sheet total
€137,376
2024 · €50,833+€86,543

Largest movements

2024 to 2025
Assets
  • Cash +€51,742

    up €51,742 (+434.1%), from €11,918 to €63,661

    mainly Net result for the year (+€65,933) and Tax, wage and social debts (+€18,478)

  • Tangible fixed assets +€40,086

    up €40,086 (+513.7%), from €7,804 to €47,889

    of which Leasing and similar rights: +€26,880

  • Receivables within one year -€7,029

    down €7,029 (-81.3%), from €8,643 to €1,614

  • Deferred charges and accrued income +€1,744

    up €1,744 (+70.7%), from €2,468 to €4,212

Equity and liabilities
  • Reserves +€65,933

    up €65,933 (+184.3%), from €35,770 to €101,702

  • Tax, wage and social debts +€18,478

    up €18,478 (+197.4%), from €9,361 to €27,839

  • Trade debts +€2,168

    up €2,168 (+81.3%), from €2,666 to €4,835

Income statement
  • Gross operating margin +€45,237

    up €45,237 (+94.8%), from €47,729 to €92,966

  • Taxes +€9,117

    up €9,117 (+97.4%), from €9,361 to €18,478

  • Depreciation +€4,892

    up €4,892 (+280.1%), from €1,747 to €6,639

  • Financial income +€2,168

    up €2,168 (+4298.4%), from €50 to €2,218

  • Other operating charges +€1,666

    new in 2025: €1,666

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 €35,770
Gross operating margin +€45,237
Depreciation -€4,892
Other operating charges -€1,666
Financial income +€2,168
Financial charges -€1,566
Taxes -€9,117
Result 2025 €65,933

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 +€98,467
Investment -€46,725
Financing €0
Cash 2024 €11,918
Net result for the year +€65,933
Depreciation +€6,639
Receivables within one year +€7,029
Deferred charges and accrued income -€1,744
Trade debts +€2,168
Tax, wage and social debts +€18,478
Accrued charges and deferred income -€36
Investment in fixed assets (net) -€46,725
Cash 2025 €63,661
Every line side by side 35 lines
Line Code 2024 2025 Change %
Total assets 20/58 €50,833 €137,376 +€86,543 +170.2%
Fixed assets 21/28 €27,804 €67,889 +€40,086 +144.2%
Tangible fixed assets 22/27 €7,804 €47,889 +€40,086 +513.7%
Furniture and vehicles 24 €7,804 €21,009 +€13,205 +169.2%
Leasing and similar rights 25 - €26,880 +€26,880
Financial fixed assets 28 €20,000 €20,000 = 0.0%
Current assets 29/58 €23,029 €69,487 +€46,457 +201.7%
Amounts receivable within one year 40/41 €8,643 €1,614 -€7,029 -81.3%
Other amounts receivable 41 €8,643 €1,614 -€7,029 -81.3%
Cash at bank and in hand 54/58 €11,918 €63,661 +€51,742 +434.1%
Deferred charges and accrued income 490/1 €2,468 €4,212 +€1,744 +70.7%
Total equity and liabilities 10/49 €50,833 €137,376 +€86,543 +170.2%
Equity 10/15 €38,770 €104,702 +€65,933 +170.1%
Contributions 10/11 €3,000 €3,000 = 0.0%
Reserves 13 €35,770 €101,702 +€65,933 +184.3%
Distributable reserves 133 €35,770 €101,702 +€65,933 +184.3%
Amounts payable 17/49 €12,064 €32,674 +€20,610 +170.8%
Amounts payable within one year 42/48 €12,027 €32,674 +€20,646 +171.7%
Trade debts 44 €2,666 €4,835 +€2,168 +81.3%
Suppliers 440/4 €2,666 €4,835 +€2,168 +81.3%
Taxes, remuneration and social security 45 €9,361 €27,839 +€18,478 +197.4%
Taxes 450/3 €9,361 €27,839 +€18,478 +197.4%
Accrued charges and deferred income 492/3 €36 - -€36
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €1,747 €6,639 +€4,892 +280.1%
Other operating charges 640/8 - €1,666 +€1,666
Gross operating margin 9900 €47,729 €92,966 +€45,237 +94.8%
Operating profit (loss) 9901 €45,982 €84,660 +€38,678 +84.1%
Financial income 75/76B €50 €2,218 +€2,168 +4298.4%
Recurring financial income 75 €50 €2,218 +€2,168 +4298.4%
Financial charges 65/66B €902 €2,468 +€1,566 +173.6%
Recurring financial charges 65 €902 €2,468 +€1,566 +173.6%
Profit (loss) for the period before taxes 9903 €45,130 €84,411 +€39,281 +87.0%
Income taxes 67/77 €9,361 €18,478 +€9,117 +97.4%
Profit (loss) for the period 9904 €35,770 €65,933 +€30,163 +84.3%
Profit (loss) for the period to be appropriated 9905 €35,770 €65,933 +€30,163 +84.3%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 7 October 2026 via checked.be.