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R.E. @dvisors: 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

R.E. @dvisors

BE 0820.547.249
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€13,365
2024 · €22,665-€36,029
Equity
-€18,369
2024 · -€5,005-€13,365
Cash
€4,281
2024 · €79+€4,202
Balance sheet total
€22,179
2024 · €19,677+€2,503

Largest movements

2024 to 2025
Assets
  • Receivables within one year -€17,092

    down €17,092 (-95.6%), from €17,874 to €782

    of which Other amounts receivable: -€16,158

  • Tangible fixed assets +€6,237

    up €6,237 (+998.9%), from €624 to €6,862

    of which Furniture and vehicles: +€3,340

  • Intangible fixed assets +€5,075

    new in 2025: €5,075

  • Cash +€4,202

    up €4,202 (+5352.9%), from €79 to €4,281

    mainly Receivables within one year (+€17,092) and Trade debts (+€11,543)

  • Deferred charges and accrued income +€4,081

    up €4,081 (+371.0%), from €1,100 to €5,181

Equity and liabilities
  • Profit (loss) carried forward -€13,365

    down €13,365 (-76.8%), from -€17,405 to -€30,769

  • Trade debts +€11,543

    up €11,543 (+1169.7%), from €987 to €12,530

  • Tax, wage and social debts +€5,227

    up €5,227 (+240.2%), from €2,176 to €7,403

    of which Remuneration and social security: +€7,403

  • Other debts -€2,855

    down €2,855 (-13.3%), from €21,518 to €18,664

  • Accrued charges and deferred income +€1,952

    new in 2025: €1,952

Income statement
  • Staff costs +€44,645

    new in 2025: €44,645

  • Gross operating margin +€7,313

    up €7,313 (+28.4%), from €25,781 to €33,093

  • Taxes -€2,176

    no longer reported in 2025 (was €2,176)

  • Depreciation +€937

    up €937 (+602.5%), from €156 to €1,093

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 €22,665
Gross operating margin +€7,313
Staff costs -€44,645
Depreciation -€937
Other operating charges +€116
Financial income +€6
Financial charges -€57
Taxes +€2,176
Result 2025 -€13,365

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 +€16,607
Investment -€12,405
Financing €0
Cash 2024 €79
Net result for the year -€13,365
Depreciation +€1,093
Receivables within one year +€17,092
Deferred charges and accrued income -€4,081
Trade debts +€11,543
Tax, wage and social debts +€5,227
Other debts -€2,855
Accrued charges and deferred income +€1,952
Investment in fixed assets (net) -€12,405
Cash 2025 €4,281
Every line side by side 38 lines
Line Code 2024 2025 Change %
Total assets 20/58 €19,677 €22,179 +€2,503 +12.7%
Fixed assets 21/28 €624 €11,937 +€11,312 +1811.6%
Intangible fixed assets 21 - €5,075 +€5,075
Tangible fixed assets 22/27 €624 €6,862 +€6,237 +998.9%
Plant, machinery and equipment 23 €624 €3,521 +€2,897 +463.9%
Furniture and vehicles 24 - €3,340 +€3,340
Current assets 29/58 €19,052 €10,243 -€8,810 -46.2%
Amounts receivable within one year 40/41 €17,874 €782 -€17,092 -95.6%
Trade receivables 40 €1,716 €782 -€935 -54.5%
Other amounts receivable 41 €16,158 - -€16,158
Cash at bank and in hand 54/58 €79 €4,281 +€4,202 +5352.9%
Deferred charges and accrued income 490/1 €1,100 €5,181 +€4,081 +371.0%
Total equity and liabilities 10/49 €19,677 €22,179 +€2,503 +12.7%
Equity 10/15 -€5,005 -€18,369 -€13,365 -267.1%
Contributions 10/11 €12,400 €12,400 = 0.0%
Profit (loss) carried forward 14 -€17,405 -€30,769 -€13,365 -76.8%
Amounts payable 17/49 €24,681 €40,549 +€15,867 +64.3%
Amounts payable within one year 42/48 €24,681 €38,596 +€13,915 +56.4%
Trade debts 44 €987 €12,530 +€11,543 +1169.7%
Suppliers 440/4 €987 €12,530 +€11,543 +1169.7%
Taxes, remuneration and social security 45 €2,176 €7,403 +€5,227 +240.2%
Taxes 450/3 €2,176 - -€2,176
Remuneration and social security 454/9 - €7,403 +€7,403
Other amounts payable 47/48 €21,518 €18,664 -€2,855 -13.3%
Accrued charges and deferred income 492/3 - €1,952 +€1,952
Remuneration, social security and pensions 62 - €44,645 +€44,645
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €156 €1,093 +€937 +602.5%
Other operating charges 640/8 €740 €624 -€116 -15.6%
Gross operating margin 9900 €25,781 €33,093 +€7,313 +28.4%
Operating profit (loss) 9901 €24,885 -€13,269 -€38,154
Financial income 75/76B €0 €6 +€6 +3666.7%
Recurring financial income 75 €0 €6 +€6 +3666.7%
Financial charges 65/66B €45 €101 +€57 +127.3%
Recurring financial charges 65 €45 €101 +€57 +127.3%
Profit (loss) for the period before taxes 9903 €24,840 -€13,365 -€38,205
Income taxes 67/77 €2,176 - -€2,176
Profit (loss) for the period 9904 €22,665 -€13,365 -€36,029
Profit (loss) for the period to be appropriated 9905 €22,665 -€13,365 -€36,029

Source: filed annual accounts (NBB), fiscal years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.