OXALIS FINANCES: what changed
What changed
OXALIS FINANCES
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
-€4,446
2024 · €6,648-€11,094
Equity
€617,022
2024 · €621,468-€4,446
Cash
€15,987
2024 · -+€15,987
Balance sheet total
€1.0m
2024 · €1.0m-€11,442
Largest movements
Assets
- Receivables within one year -€23,296
down €23,296 (-100.0%), from €23,301 to €5
- Cash +€15,987
new in 2025: €15,987
mainly Other debts (+€131,672) and Receivables within one year (+€23,296)
Equity and liabilities
- Other debts +€131,672
up €131,672 (+2,796%), from €4,710 to €136,381
- Debts after one year -€120,433
down €120,433 (-42.4%), from €284,166 to €163,733
Income statement
- Gross operating margin -€24,396
down €24,396 (-18.3%), from €133,071 to €108,676
- Staff costs -€9,461
down €9,461 (-9.1%), from €103,642 to €94,181
- Financial charges -€2,913
down €2,913 (-25.4%), from €11,470 to €8,557
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
€6,648
Gross operating margin
-€24,396
Staff costs
+€9,461
Depreciation
+€1,052
Other operating charges
+€372
Financial income
+€141
Financial charges
+€2,913
Taxes
-€638
Result 2025
-€4,446
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
+€135,250
Investment
€0
Financing
-€119,263
Cash 2024
€0
From operations (derived)
+€135,250
Net result for the year
-€4,446
Depreciation
+€4,153
Receivables within one year
+€23,296
Deferred charges and accrued income
-€19
Trade debts
-€10,291
Tax, wage and social debts
-€9,114
Other debts
+€131,672
Financing
-€119,263
Debts after one year
-€120,433
Current portion of long-term debt
+€1,769
Short-term financial debts
-€598
Cash 2025
€15,987
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,041,305 | €1,029,863 | -€11,442 | -1.1% |
| Fixed assets | 21/28 | €1,011,787 | €1,007,634 | -€4,153 | -0.4% |
| Intangible fixed assets | 21 | €1,950 | €1,300 | -€650 | -33.3% |
| Tangible fixed assets | 22/27 | €5,737 | €2,234 | -€3,503 | -61.1% |
| Furniture and vehicles | 24 | €4,289 | €965 | -€3,325 | -77.5% |
| Other tangible fixed assets | 26 | €1,447 | €1,269 | -€178 | -12.3% |
| Financial fixed assets | 28 | €1,004,100 | €1,004,100 | = | 0.0% |
| Current assets | 29/58 | €29,519 | €22,229 | -€7,289 | -24.7% |
| Amounts receivable within one year | 40/41 | €23,301 | €5 | -€23,296 | -100.0% |
| Other amounts receivable | 41 | €23,301 | €5 | -€23,296 | -100.0% |
| Cash at bank and in hand | 54/58 | - | €15,987 | +€15,987 | |
| Deferred charges and accrued income | 490/1 | €6,218 | €6,237 | +€19 | +0.3% |
| Total equity and liabilities | 10/49 | €1,041,305 | €1,029,863 | -€11,442 | -1.1% |
| Equity | 10/15 | €621,468 | €617,022 | -€4,446 | -0.7% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €254,461 | €254,461 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €252,601 | €252,601 | = | 0.0% |
| Profit (loss) carried forward | 14 | €360,807 | €356,361 | -€4,446 | -1.2% |
| Amounts payable | 17/49 | €419,837 | €412,841 | -€6,996 | -1.7% |
| Amounts payable after more than one year | 17 | €284,166 | €163,733 | -€120,433 | -42.4% |
| Financial debts | 170/4 | €284,166 | €163,733 | -€120,433 | -42.4% |
| Amounts payable within one year | 42/48 | €135,671 | €249,108 | +€113,438 | +83.6% |
| Current portion of amounts payable after more than one year | 42 | €88,664 | €90,433 | +€1,769 | +2.0% |
| Financial debts | 43 | €598 | €0 | -€598 | -100% |
| Credit institutions | 430/8 | €598 | €0 | -€598 | -100% |
| Trade debts | 44 | €17,647 | €7,355 | -€10,291 | -58.3% |
| Suppliers | 440/4 | €17,647 | €7,355 | -€10,291 | -58.3% |
| Taxes, remuneration and social security | 45 | €24,052 | €14,939 | -€9,114 | -37.9% |
| Taxes | 450/3 | €8,172 | €7,755 | -€417 | -5.1% |
| Remuneration and social security | 454/9 | €15,880 | €7,183 | -€8,697 | -54.8% |
| Other amounts payable | 47/48 | €4,710 | €136,381 | +€131,672 | +2,796% |
| Remuneration, social security and pensions | 62 | €103,642 | €94,181 | -€9,461 | -9.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €5,204 | €4,153 | -€1,052 | -20.2% |
| Other operating charges | 640/8 | €3,060 | €2,687 | -€372 | -12.2% |
| Gross operating margin | 9900 | €133,071 | €108,676 | -€24,396 | -18.3% |
| Operating profit (loss) | 9901 | €21,165 | €7,655 | -€13,510 | -63.8% |
| Financial income | 75/76B | €4 | €145 | +€141 | +3,377% |
| Recurring financial income | 75 | €4 | €145 | +€141 | +3,377% |
| Financial charges | 65/66B | €11,470 | €8,557 | -€2,913 | -25.4% |
| Recurring financial charges | 65 | €11,470 | €8,557 | -€2,913 | -25.4% |
| Profit (loss) for the period before taxes | 9903 | €9,699 | -€757 | -€10,456 | |
| Income taxes | 67/77 | €3,051 | €3,689 | +€638 | +20.9% |
| Profit (loss) for the period | 9904 | €6,648 | -€4,446 | -€11,094 | |
| Profit (loss) for the period to be appropriated | 9905 | €6,648 | -€4,446 | -€11,094 |
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Compare this company with its sector.Sector benchmark
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 5 November 2026 via checked.be.