PRO - VERZEKERINGEN: what changed
Two financial 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.
PRO - VERZEKERINGEN
Largest movements
- Intangible fixed assets -€44,792
down €44,792 (-7.6%), from €589,942 to €545,150
- Debts after one year -€44,456
down €44,456 (-10.9%), from €407,893 to €363,437
of which Financial debts: -€52,244
- Profit (loss) carried forward +€7,970
up €7,970 (+5.4%), from €148,192 to €156,162
- Gross operating margin -€5,524
down €5,524 (-2.5%), from €216,781 to €211,258
- Staff costs +€4,452
up €4,452 (+3.1%), from €141,757 to €146,209
- Taxes +€3,355
up €3,355 (+166%), from €2,016 to €5,371
- Depreciation -€3,301
down €3,301 (-6.4%), from €51,457 to €48,157
From the 2024 result to the 2025 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.
Derived cash bridge
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €665,535 | €629,796 | -€35,739 | -5.4% |
| Fixed assets | 21/28 | €613,905 | €565,748 | -€48,157 | -7.8% |
| Intangible fixed assets | 21 | €589,942 | €545,150 | -€44,792 | -7.6% |
| Tangible fixed assets | 22/27 | €23,963 | €20,598 | -€3,365 | -14.0% |
| Other tangible fixed assets | 26 | €23,963 | €20,598 | -€3,365 | -14.0% |
| Current assets | 29/58 | €51,631 | €64,048 | +€12,418 | +24.1% |
| Amounts receivable within one year | 40/41 | €48,453 | €50,518 | +€2,065 | +4.3% |
| Trade receivables | 40 | €48,453 | €50,518 | +€2,065 | +4.3% |
| Cash at bank and in hand | 54/58 | €3,178 | €8,929 | +€5,751 | +181% |
| Deferred charges and accrued income | 490/1 | - | €4,601 | +€4,601 | |
| Total equity and liabilities | 10/49 | €665,535 | €629,796 | -€35,739 | -5.4% |
| Equity | 10/15 | €177,244 | €185,214 | +€7,970 | +4.5% |
| Contributions | 10/11 | €19,831 | €19,831 | = | 0.0% |
| Reserves | 13 | €9,221 | €9,221 | = | 0.0% |
| Tax-exempt reserves | 132 | €9,221 | €9,221 | = | 0.0% |
| Profit (loss) carried forward | 14 | €148,192 | €156,162 | +€7,970 | +5.4% |
| Amounts payable | 17/49 | €488,291 | €444,582 | -€43,709 | -9.0% |
| Amounts payable after more than one year | 17 | €407,893 | €363,437 | -€44,456 | -10.9% |
| Financial debts | 170/4 | €209,051 | €156,807 | -€52,244 | -25.0% |
| Other amounts payable | 178/9 | €198,842 | €206,630 | +€7,788 | +3.9% |
| Amounts payable within one year | 42/48 | €80,398 | €81,145 | +€747 | +0.9% |
| Current portion of amounts payable after more than one year | 42 | €47,605 | €52,244 | +€4,639 | +9.7% |
| Trade debts | 44 | €8,082 | €10,176 | +€2,094 | +25.9% |
| Suppliers | 440/4 | €8,082 | €10,176 | +€2,094 | +25.9% |
| Taxes, remuneration and social security | 45 | €24,711 | €18,726 | -€5,985 | -24.2% |
| Taxes | 450/3 | €2,016 | €5,371 | +€3,355 | +166% |
| Remuneration and social security | 454/9 | €22,695 | €13,354 | -€9,341 | -41.2% |
| Remuneration, social security and pensions | 62 | €141,757 | €146,209 | +€4,452 | +3.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €51,457 | €48,157 | -€3,301 | -6.4% |
| Other operating charges | 640/8 | €386 | €390 | +€4 | +1.0% |
| Gross operating margin | 9900 | €216,781 | €211,258 | -€5,524 | -2.5% |
| Operating profit (loss) | 9901 | €23,181 | €16,502 | -€6,679 | -28.8% |
| Financial income | 75/76B | €0 | €1 | +€1 | +4,400% |
| Recurring financial income | 75 | €0 | €1 | +€1 | +4,400% |
| Financial charges | 65/66B | €4,305 | €3,162 | -€1,143 | -26.6% |
| Recurring financial charges | 65 | €4,305 | €3,162 | -€1,143 | -26.6% |
| Profit (loss) for the period before taxes | 9903 | €18,876 | €13,341 | -€5,535 | -29.3% |
| Income taxes | 67/77 | €2,016 | €5,371 | +€3,355 | +166% |
| Profit (loss) for the period | 9904 | €16,860 | €7,970 | -€8,890 | -52.7% |
| Profit (loss) for the period to be appropriated | 9905 | €16,860 | €7,970 | -€8,890 | -52.7% |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 28 October 2026 via checked.be.