PROFIL INVEST: what changed
What changed
PROFIL INVEST
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€79,063
2024 · €89,043-€9,980
Equity
€919,561
2024 · €843,353+€76,207
Cash
€65,976
2024 · €64,721+€1,255
Balance sheet total
€2.1m
2024 · €2.2m-€75,952
Largest movements
Assets
- Tangible fixed assets -€133,624
down €133,624 (-8.5%), from €1.6m to €1.4m
of which Furniture and vehicles: -€75,086
- Receivables within one year +€71,485
up €71,485 (+13.5%), from €529,583 to €601,068
of which Other amounts receivable: +€75,419
Equity and liabilities
- Debts after one year -€118,310
down €118,310 (-11.0%), from €1.1m to €958,700
- Reserves +€76,207
up €76,207 (+36.4%), from €209,610 to €285,817
of which Distributable reserves: +€76,207
- Tax, wage and social debts -€45,596
down €45,596 (-36.9%), from €123,674 to €78,078
of which Taxes: -€48,062
Income statement
- Gross operating margin +€64,100
up €64,100 (+11.5%), from €557,276 to €621,376
- Depreciation +€52,398
up €52,398 (+49.6%), from €105,584 to €157,982
- Staff costs +€25,353
up €25,353 (+10.5%), from €240,916 to €266,268
- Taxes -€25,259
down €25,259 (-45.7%), from €55,291 to €30,031
- Financial charges +€8,019
up €8,019 (+15.9%), from €50,308 to €58,327
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
€89,043
Gross operating margin
+€64,100
Staff costs
-€25,353
Depreciation
-€52,398
Other operating charges
-€4,510
Other operating items
-€9,060
Financial charges
-€8,019
Taxes
+€25,259
Result 2025
€79,063
raises the resultlowers the resultnot broken down further in the accounts
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
+€147,067
Investment
-€24,491
Financing
-€121,321
Cash 2024
€64,721
From operations (derived)
+€147,067
Net result for the year
+€79,063
Depreciation
+€157,982
Receivables within one year
-€71,485
Deferred charges and accrued income
+€15,200
Trade debts
+€15,569
Tax, wage and social debts
-€45,596
Other debts
-€2,860
Accrued charges and deferred income
-€807
Investment (derived)
-€24,491
Investment in fixed assets (net)
-€24,491
Financing
-€121,321
Debts after one year
-€118,310
Current portion of long-term debt
-€155
Contributions, distributions and other
-€2,855
Cash 2025
€65,976
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €2,225,641 | €2,149,689 | -€75,952 | -3.4% |
| Fixed assets | 21/28 | €1,566,780 | €1,433,288 | -€133,491 | -8.5% |
| Tangible fixed assets | 22/27 | €1,566,780 | €1,433,156 | -€133,624 | -8.5% |
| Land and buildings | 22 | €1,204,865 | €1,146,918 | -€57,947 | -4.8% |
| Plant, machinery and equipment | 23 | €1,949 | €1,358 | -€591 | -30.3% |
| Furniture and vehicles | 24 | €359,966 | €284,880 | -€75,086 | -20.9% |
| Financial fixed assets | 28 | - | €133 | +€133 | |
| Current assets | 29/58 | €658,861 | €716,400 | +€57,539 | +8.7% |
| Amounts receivable within one year | 40/41 | €529,583 | €601,068 | +€71,485 | +13.5% |
| Trade receivables | 40 | €97,680 | €93,745 | -€3,935 | -4.0% |
| Other amounts receivable | 41 | €431,903 | €507,323 | +€75,419 | +17.5% |
| Cash at bank and in hand | 54/58 | €64,721 | €65,976 | +€1,255 | +1.9% |
| Deferred charges and accrued income | 490/1 | €64,557 | €49,356 | -€15,200 | -23.5% |
| Total equity and liabilities | 10/49 | €2,225,641 | €2,149,689 | -€75,952 | -3.4% |
| Equity | 10/15 | €843,353 | €919,561 | +€76,207 | +9.0% |
| Contributions | 10/11 | €7,015 | €7,015 | = | 0.0% |
| Contributions outside capital | 11 | €7,015 | €7,015 | = | 0.0% |
| Other | 1109/19 | €7,015 | €7,015 | = | 0.0% |
| Reserves | 13 | €209,610 | €285,817 | +€76,207 | +36.4% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Tax-exempt reserves | 132 | €18,750 | €18,750 | = | 0.0% |
| Distributable reserves | 133 | €189,000 | €265,207 | +€76,207 | +40.3% |
| Profit (loss) carried forward | 14 | €626,728 | €626,728 | = | 0.0% |
| Amounts payable | 17/49 | €1,382,288 | €1,230,128 | -€152,159 | -11.0% |
| Amounts payable after more than one year | 17 | €1,077,010 | €958,700 | -€118,310 | -11.0% |
| Financial debts | 170/4 | €1,077,010 | €958,700 | -€118,310 | -11.0% |
| Amounts payable within one year | 42/48 | €304,471 | €271,428 | -€33,042 | -10.9% |
| Current portion of amounts payable after more than one year | 42 | €126,799 | €126,644 | -€155 | -0.1% |
| Trade debts | 44 | €43,374 | €58,943 | +€15,569 | +35.9% |
| Suppliers | 440/4 | €43,374 | €58,943 | +€15,569 | +35.9% |
| Taxes, remuneration and social security | 45 | €123,674 | €78,078 | -€45,596 | -36.9% |
| Taxes | 450/3 | €82,758 | €34,696 | -€48,062 | -58.1% |
| Remuneration and social security | 454/9 | €40,917 | €43,382 | +€2,466 | +6.0% |
| Other amounts payable | 47/48 | €10,624 | €7,764 | -€2,860 | -26.9% |
| Accrued charges and deferred income | 492/3 | €807 | - | -€807 | |
| Non-recurring operating income | 76A | €3,273 | €1,182 | -€2,091 | -63.9% |
| Remuneration, social security and pensions | 62 | €240,916 | €266,268 | +€25,353 | +10.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €105,584 | €157,982 | +€52,398 | +49.6% |
| Other operating charges | 640/8 | €16,015 | €20,525 | +€4,510 | +28.2% |
| Non-recurring operating charges | 66A | €120 | €9,179 | +€9,060 | +7,566% |
| Gross operating margin | 9900 | €557,276 | €621,376 | +€64,100 | +11.5% |
| Operating profit (loss) | 9901 | €194,641 | €167,421 | -€27,220 | -14.0% |
| Financial charges | 65/66B | €50,308 | €58,327 | +€8,019 | +15.9% |
| Recurring financial charges | 65 | €50,308 | €58,327 | +€8,019 | +15.9% |
| Profit (loss) for the period before taxes | 9903 | €144,333 | €109,094 | -€35,239 | -24.4% |
| Income taxes | 67/77 | €55,291 | €30,031 | -€25,259 | -45.7% |
| Profit (loss) for the period | 9904 | €89,043 | €79,063 | -€9,980 | -11.2% |
| Profit (loss) for the period to be appropriated | 9905 | €89,043 | €79,063 | -€9,980 | -11.2% |
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.