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PARFRAY: 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

PARFRAY

BE 0471.856.597
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€24,581
2024 · €2,173+€22,407
Equity
€103,004
2024 · €78,424+€24,581
Cash
€16,363
2024 · €9,766+€6,597
Balance sheet total
€664,115
2024 · €631,614+€32,501

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets +€26,290

    up €26,290 (+9.4%), from €280,314 to €306,605

    of which Furniture and vehicles: +€45,492

Equity and liabilities
  • Trade debts +€37,774

    up €37,774 (+1995.1%), from €1,893 to €39,668

  • Debts after one year -€27,114

    down €27,114 (-6.3%), from €428,248 to €401,134

    of which Financial debts: -€30,976

  • Profit (loss) carried forward +€24,581

    up €24,581 (+1130.9%), from €2,173 to €26,754

  • Accrued charges and deferred income -€8,090

    down €8,090 (-51.2%), from €15,799 to €7,709

Income statement
  • Gross operating margin +€15,520

    up €15,520 (+19.5%), from €79,423 to €94,943

  • Financial charges -€10,748

    down €10,748 (-49.4%), from €21,762 to €11,014

  • Taxes +€7,762

    up €7,762 (+176.7%), from €4,392 to €12,154

  • Write-downs -€5,445

    no longer reported in 2025 (was €5,445)

  • Other operating charges +€4,693

    up €4,693 (+59.4%), from €7,899 to €12,592

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 €2,173
Gross operating margin +€15,520
Depreciation +€3,157
Write-downs +€5,445
Other operating charges -€4,693
Financial income -€9
Financial charges +€10,748
Taxes -€7,762
Result 2025 €24,581

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 +€95,306
Investment -€60,893
Financing -€27,816
Cash 2024 €9,766
Net result for the year +€24,581
Depreciation +€34,603
Deferred charges and accrued income +€386
Trade debts +€37,774
Tax, wage and social debts +€6,155
Other debts -€103
Accrued charges and deferred income -€8,090
Investment in fixed assets (net) -€60,893
Debts after one year -€27,114
Current portion of long-term debt +€3,180
Short-term financial debts -€3,883
Cash 2025 €16,363
Every line side by side 43 lines
Line Code 2024 2025 Change %
Total assets 20/58 €631,614 €664,115 +€32,501 +5.1%
Fixed assets 21/28 €619,889 €646,180 +€26,290 +4.2%
Tangible fixed assets 22/27 €280,314 €306,605 +€26,290 +9.4%
Land and buildings 22 €272,610 €253,498 -€19,112 -7.0%
Furniture and vehicles 24 €7,190 €52,682 +€45,492 +632.7%
Other tangible fixed assets 26 €515 €425 -€90 -17.5%
Financial fixed assets 28 €339,575 €339,575 = 0.0%
Current assets 29/58 €11,725 €17,935 +€6,210 +53.0%
Cash at bank and in hand 54/58 €9,766 €16,363 +€6,597 +67.5%
Deferred charges and accrued income 490/1 €1,959 €1,572 -€386 -19.7%
Total equity and liabilities 10/49 €631,614 €664,115 +€32,501 +5.1%
Equity 10/15 €78,424 €103,004 +€24,581 +31.3%
Contributions 10/11 €12,400 €12,400 = 0.0%
Reserves 13 €63,850 €63,850 = 0.0%
Distributable reserves 133 €63,850 €63,850 = 0.0%
Profit (loss) carried forward 14 €2,173 €26,754 +€24,581 +1130.9%
Amounts payable 17/49 €553,191 €561,111 +€7,920 +1.4%
Amounts payable after more than one year 17 €428,248 €401,134 -€27,114 -6.3%
Financial debts 170/4 €73,274 €42,298 -€30,976 -42.3%
Other amounts payable 178/9 €354,973 €358,835 +€3,862 +1.1%
Amounts payable within one year 42/48 €109,144 €152,268 +€43,124 +39.5%
Current portion of amounts payable after more than one year 42 €36,465 €39,645 +€3,180 +8.7%
Financial debts 43 €3,883 - -€3,883
Credit institutions 430/8 €3,883 - -€3,883
Trade debts 44 €1,893 €39,668 +€37,774 +1995.1%
Suppliers 440/4 €1,893 €39,668 +€37,774 +1995.1%
Taxes, remuneration and social security 45 €8,885 €15,040 +€6,155 +69.3%
Taxes 450/3 €8,885 €15,040 +€6,155 +69.3%
Other amounts payable 47/48 €58,018 €57,915 -€103 -0.2%
Accrued charges and deferred income 492/3 €15,799 €7,709 -€8,090 -51.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €37,760 €34,603 -€3,157 -8.4%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) 631/4 €5,445 - -€5,445
Other operating charges 640/8 €7,899 €12,592 +€4,693 +59.4%
Gross operating margin 9900 €79,423 €94,943 +€15,520 +19.5%
Operating profit (loss) 9901 €28,319 €47,748 +€19,429 +68.6%
Financial income 75/76B €9 - -€9
Recurring financial income 75 €9 - -€9
Financial charges 65/66B €21,762 €11,014 -€10,748 -49.4%
Recurring financial charges 65 €21,762 €11,014 -€10,748 -49.4%
Profit (loss) for the period before taxes 9903 €6,566 €36,734 +€30,169 +459.5%
Income taxes 67/77 €4,392 €12,154 +€7,762 +176.7%
Profit (loss) for the period 9904 €2,173 €24,581 +€22,407 +1030.9%
Profit (loss) for the period to be appropriated 9905 €2,173 €24,581 +€22,407 +1030.9%

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 28 September 2026 via checked.be.