Pieter Deckers: what changed
What changed
Pieter Deckers
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€59,198
2024 · €50,516+€8,681
Equity
€782,355
2024 · €769,292+€13,063
Cash
€39,007
2024 · €48,392-€9,385
Balance sheet total
€852,948
2024 · €858,000-€5,052
Largest movements
Assets
- Deferred charges and accrued income -€16,986
down €16,986 (-82.6%), from €20,563 to €3,577
- Receivables after one year +€11,000
up €11,000 (+2.3%), from €469,000 to €480,000
- Cash -€9,385
down €9,385 (-19.4%), from €48,392 to €39,007
mainly Contributions, distributions and other (-€46,134) and Investment in fixed assets (net) (-€27,678)
Equity and liabilities
- Debts after one year -€16,268
down €16,268 (-24.7%), from €65,993 to €49,725
- Reserves +€13,063
up €13,063 (+1.7%), from €763,092 to €776,155
Income statement
- Financial income +€24,230
up €24,230 (+29.0%), from €83,452 to €107,683
- Gross operating margin -€16,757
down €16,757, from €7,800 to -€8,957
- Depreciation -€2,246
down €2,246 (-9.3%), from €24,114 to €21,868
- Taxes +€882
up €882 (+16.3%), from €5,415 to €6,297
- Other operating charges +€619
up €619 (+18.9%), from €3,266 to €3,885
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
€50,516
Gross operating margin
-€16,757
Depreciation
+€2,246
Other operating charges
-€619
Financial income
+€24,230
Financial charges
+€463
Taxes
-€882
Result 2025
€59,198
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
+€80,054
Investment
-€27,678
Financing
-€61,761
Cash 2024
€48,392
From operations (derived)
+€80,054
Net result for the year
+€59,198
Depreciation
+€21,868
Receivables after one year
-€11,000
Receivables within one year
-€4,508
Deferred charges and accrued income
+€16,986
Trade debts
-€129
Tax, wage and social debts
-€2,873
Accrued charges and deferred income
+€513
Investment (derived)
-€27,678
Investment in fixed assets (net)
-€27,678
Financing
-€61,761
Debts after one year
-€16,268
Current portion of long-term debt
+€641
Contributions, distributions and other
-€46,134
Cash 2025
€39,007
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €858,000 | €852,948 | -€5,052 | -0.6% |
| Fixed assets | 21/28 | €314,983 | €320,794 | +€5,811 | +1.8% |
| Tangible fixed assets | 22/27 | €262,483 | €268,294 | +€5,811 | +2.2% |
| Land and buildings | 22 | €161,466 | €156,513 | -€4,953 | -3.1% |
| Plant, machinery and equipment | 23 | €3,461 | €4,063 | +€602 | +17.4% |
| Furniture and vehicles | 24 | €45,978 | €42,202 | -€3,775 | -8.2% |
| Other tangible fixed assets | 26 | €51,578 | €65,515 | +€13,937 | +27.0% |
| Financial fixed assets | 28 | €52,500 | €52,500 | = | 0.0% |
| Current assets | 29/58 | €543,017 | €532,154 | -€10,863 | -2.0% |
| Amounts receivable after more than one year | 29 | €469,000 | €480,000 | +€11,000 | +2.3% |
| Other amounts receivable | 291 | €469,000 | €480,000 | +€11,000 | +2.3% |
| Amounts receivable within one year | 40/41 | €5,061 | €9,570 | +€4,508 | +89.1% |
| Other amounts receivable | 41 | €5,061 | €9,570 | +€4,508 | +89.1% |
| Cash at bank and in hand | 54/58 | €48,392 | €39,007 | -€9,385 | -19.4% |
| Deferred charges and accrued income | 490/1 | €20,563 | €3,577 | -€16,986 | -82.6% |
| Total equity and liabilities | 10/49 | €858,000 | €852,948 | -€5,052 | -0.6% |
| Equity | 10/15 | €769,292 | €782,355 | +€13,063 | +1.7% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €763,092 | €776,155 | +€13,063 | +1.7% |
| Distributable reserves | 133 | €763,092 | €776,155 | +€13,063 | +1.7% |
| Amounts payable | 17/49 | €88,708 | €70,593 | -€18,115 | -20.4% |
| Amounts payable after more than one year | 17 | €65,993 | €49,725 | -€16,268 | -24.7% |
| Financial debts | 170/4 | €65,993 | €49,725 | -€16,268 | -24.7% |
| Amounts payable within one year | 42/48 | €22,661 | €20,301 | -€2,361 | -10.4% |
| Current portion of amounts payable after more than one year | 42 | €15,627 | €16,268 | +€641 | +4.1% |
| Trade debts | 44 | €2,951 | €2,822 | -€129 | -4.4% |
| Suppliers | 440/4 | €2,951 | €2,822 | -€129 | -4.4% |
| Taxes, remuneration and social security | 45 | €4,084 | €1,211 | -€2,873 | -70.3% |
| Taxes | 450/3 | €4,084 | €1,211 | -€2,873 | -70.3% |
| Accrued charges and deferred income | 492/3 | €54 | €567 | +€513 | +956% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €24,114 | €21,868 | -€2,246 | -9.3% |
| Other operating charges | 640/8 | €3,266 | €3,885 | +€619 | +18.9% |
| Gross operating margin | 9900 | €7,800 | -€8,957 | -€16,757 | |
| Operating profit (loss) | 9901 | -€19,580 | -€34,710 | -€15,130 | -77.3% |
| Financial income | 75/76B | €83,452 | €107,683 | +€24,230 | +29.0% |
| Recurring financial income | 75 | €83,452 | €107,683 | +€24,230 | +29.0% |
| Financial charges | 65/66B | €7,941 | €7,478 | -€463 | -5.8% |
| Recurring financial charges | 65 | €7,941 | €7,478 | -€463 | -5.8% |
| Profit (loss) for the period before taxes | 9903 | €55,931 | €65,494 | +€9,563 | +17.1% |
| Income taxes | 67/77 | €5,415 | €6,297 | +€882 | +16.3% |
| Profit (loss) for the period | 9904 | €50,516 | €59,198 | +€8,681 | +17.2% |
| Profit (loss) for the period to be appropriated | 9905 | €50,516 | €59,198 | +€8,681 | +17.2% |
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 2 November 2026 via checked.be.