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Pit Yes: 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

Pit Yes

BE 0649.961.663
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€578,280
2024 · €401,573-€979,853
Equity
€36,534
2024 · €650,108-€613,574
Cash
€157,723
2024 · €319,737-€162,014
Balance sheet total
€191,499
2024 · €953,820-€762,322

Largest movements

2024 to 2025
Assets
  • Financial fixed assets -€567,314

    down €567,314 (-97.7%), from €580,722 to €13,408

  • Cash -€162,014

    down €162,014 (-50.7%), from €319,737 to €157,723

    mainly Net result for the year (-€578,280) and Other debts (-€75,409)

  • Receivables within one year -€24,000

    no longer reported in 2025 (was €24,000)

Equity and liabilities
  • Reserves -€613,574

    down €613,574 (-97.2%), from €631,508 to €17,934

  • Other debts -€75,409

    down €75,409 (-93.0%), from €81,069 to €5,660

  • Debts after one year -€73,337

    down €73,337 (-49.9%), from €146,922 to €73,585

Income statement
  • Financial charges +€502,367

    up €502,367 (+804.9%), from €62,414 to €564,781

    of which Non-recurring financial charges: +€561,114

  • Financial income -€349,533

    down €349,533 (-99.9%), from €350,000 to €467

  • Gross operating margin -€148,457

    down €148,457 (-99.3%), from €149,468 to €1,012

  • Taxes -€18,861

    down €18,861 (-98.3%), from €19,180 to €319

  • Depreciation -€1,761

    down €1,761 (-11.5%), from €15,285 to €13,524

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 €401,573
Gross operating margin -€148,457
Depreciation +€1,761
Other operating charges -€119
Financial income -€349,533
Financial charges -€502,367
Taxes +€18,861
Result 2025 -€578,280

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 -€617,062
Investment +€562,784
Financing -€107,736
Cash 2024 €319,737
Net result for the year -€578,280
Depreciation +€13,524
Receivables within one year +€24,000
Trade debts +€1,965
Tax, wage and social debts -€2,861
Other debts -€75,409
Investment in fixed assets (net) +€562,784
Debts after one year -€73,337
Current portion of long-term debt +€896
Contributions, distributions and other -€35,294
Cash 2025 €157,723
Every line side by side 39 lines
Line Code 2024 2025 Change %
Total assets 20/58 €953,820 €191,499 -€762,322 -79.9%
Fixed assets 21/28 €610,083 €33,775 -€576,308 -94.5%
Intangible fixed assets 21 €2,293 €1,793 -€500 -21.8%
Tangible fixed assets 22/27 €27,068 €18,574 -€8,494 -31.4%
Plant, machinery and equipment 23 €1,431 €5,282 +€3,850 +269.0%
Furniture and vehicles 24 €25,636 €13,292 -€12,344 -48.2%
Financial fixed assets 28 €580,722 €13,408 -€567,314 -97.7%
Current assets 29/58 €343,737 €157,723 -€186,014 -54.1%
Amounts receivable within one year 40/41 €24,000 - -€24,000
Trade receivables 40 €24,000 - -€24,000
Cash at bank and in hand 54/58 €319,737 €157,723 -€162,014 -50.7%
Total equity and liabilities 10/49 €953,820 €191,499 -€762,322 -79.9%
Equity 10/15 €650,108 €36,534 -€613,574 -94.4%
Contributions 10/11 €18,600 €18,600 = 0.0%
Reserves 13 €631,508 €17,934 -€613,574 -97.2%
Distributable reserves 133 €631,508 €17,934 -€613,574 -97.2%
Amounts payable 17/49 €303,712 €154,964 -€148,747 -49.0%
Amounts payable after more than one year 17 €146,922 €73,585 -€73,337 -49.9%
Financial debts 170/4 €146,922 €73,585 -€73,337 -49.9%
Amounts payable within one year 42/48 €156,790 €81,380 -€75,410 -48.1%
Current portion of amounts payable after more than one year 42 €72,442 €73,337 +€896 +1.2%
Trade debts 44 €99 €2,064 +€1,965 +1980.7%
Suppliers 440/4 €99 €2,064 +€1,965 +1980.7%
Taxes, remuneration and social security 45 €3,180 €319 -€2,861 -90.0%
Taxes 450/3 €3,180 €319 -€2,861 -90.0%
Other amounts payable 47/48 €81,069 €5,660 -€75,409 -93.0%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €15,285 €13,524 -€1,761 -11.5%
Other operating charges 640/8 €1,016 €1,135 +€119 +11.7%
Gross operating margin 9900 €149,468 €1,012 -€148,457 -99.3%
Operating profit (loss) 9901 €133,168 -€13,647 -€146,815
Financial income 75/76B €350,000 €467 -€349,533 -99.9%
Recurring financial income 75 €350,000 €467 -€349,533 -99.9%
Financial charges 65/66B €62,414 €564,781 +€502,367 +804.9%
Recurring financial charges 65 €62,414 €3,667 -€58,748 -94.1%
Non-recurring financial charges 66B - €561,114 +€561,114
Profit (loss) for the period before taxes 9903 €420,753 -€577,961 -€998,715
Income taxes 67/77 €19,180 €319 -€18,861 -98.3%
Profit (loss) for the period 9904 €401,573 -€578,280 -€979,853
Profit (loss) for the period to be appropriated 9905 €401,573 -€578,280 -€979,853

Source: filed annual accounts (NBB), fiscal years ended 31 May 2024 and 31 May 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 28 September 2026 via checked.be.