R.S. INVER: what changed
What changed
R.S. INVER
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€58,836
2024 · €52,223+€6,612
Equity
€444,333
2024 · €385,497+€58,836
Cash
€628,814
2024 · €547,430+€81,384
Balance sheet total
€657,773
2024 · €576,077+€81,696
Largest movements
Assets
- Cash +€81,384
up €81,384 (+14.9%), from €547,430 to €628,814
mainly Net result for the year (+€58,836) and Trade debts (+€21,803)
Equity and liabilities
- Reserves +€58,830
up €58,830 (+16.4%), from €359,500 to €418,330
- Trade debts +€21,803
up €21,803 (+16.4%), from €132,991 to €154,794
Income statement
- Gross operating margin +€13,410
up €13,410 (+11.7%), from €114,953 to €128,363
- Taxes +€2,939
up €2,939 (+11.2%), from €26,310 to €29,248
- Staff costs +€1,844
up €1,844 (+3.6%), from €51,596 to €53,440
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
€52,223
Gross operating margin
+€13,410
Staff costs
-€1,844
Other operating charges
-€3
Financial income
-€1,034
Financial charges
-€977
Taxes
-€2,939
Result 2025
€58,836
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
+€81,384
Investment
€0
Financing
€0
Cash 2024
€547,430
From operations (derived)
+€81,384
Net result for the year
+€58,836
Receivables within one year
-€1,538
Deferred charges and accrued income
+€1,225
Trade debts
+€21,803
Tax, wage and social debts
-€1,517
Advances received
+€5,502
Other debts
-€2,927
Cash 2025
€628,814
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €576,077 | €657,773 | +€81,696 | +14.2% |
| Current assets | 29/58 | €576,077 | €657,773 | +€81,696 | +14.2% |
| Amounts receivable within one year | 40/41 | €26,364 | €27,902 | +€1,538 | +5.8% |
| Trade receivables | 40 | €1,364 | €2,902 | +€1,538 | +113% |
| Other amounts receivable | 41 | €25,000 | €25,000 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €547,430 | €628,814 | +€81,384 | +14.9% |
| Deferred charges and accrued income | 490/1 | €2,282 | €1,057 | -€1,225 | -53.7% |
| Total equity and liabilities | 10/49 | €576,077 | €657,773 | +€81,696 | +14.2% |
| Equity | 10/15 | €385,497 | €444,333 | +€58,836 | +15.3% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €359,500 | €418,330 | +€58,830 | +16.4% |
| Distributable reserves | 133 | €359,500 | €418,330 | +€58,830 | +16.4% |
| Profit (loss) carried forward | 14 | €19,797 | €19,803 | +€6 | 0.0% |
| Amounts payable | 17/49 | €190,579 | €213,440 | +€22,861 | +12.0% |
| Amounts payable within one year | 42/48 | €190,579 | €213,440 | +€22,861 | +12.0% |
| Trade debts | 44 | €132,991 | €154,794 | +€21,803 | +16.4% |
| Suppliers | 440/4 | €132,991 | €154,794 | +€21,803 | +16.4% |
| Advances received on contracts in progress | 46 | €20,068 | €25,570 | +€5,502 | +27.4% |
| Taxes, remuneration and social security | 45 | €19,868 | €18,351 | -€1,517 | -7.6% |
| Taxes | 450/3 | €9,599 | €8,848 | -€751 | -7.8% |
| Remuneration and social security | 454/9 | €10,269 | €9,503 | -€766 | -7.5% |
| Other amounts payable | 47/48 | €17,652 | €14,725 | -€2,927 | -16.6% |
| Remuneration, social security and pensions | 62 | €51,596 | €53,440 | +€1,844 | +3.6% |
| Other operating charges | 640/8 | €384 | €387 | +€3 | +0.8% |
| Gross operating margin | 9900 | €114,953 | €128,363 | +€13,410 | +11.7% |
| Operating profit (loss) | 9901 | €62,972 | €74,535 | +€11,563 | +18.4% |
| Financial income | 75/76B | €15,702 | €14,667 | -€1,034 | -6.6% |
| Recurring financial income | 75 | €15,702 | €14,667 | -€1,034 | -6.6% |
| Financial charges | 65/66B | €141 | €1,118 | +€977 | +693% |
| Recurring financial charges | 65 | €141 | €1,118 | +€977 | +693% |
| Profit (loss) for the period before taxes | 9903 | €78,533 | €88,084 | +€9,551 | +12.2% |
| Income taxes | 67/77 | €26,310 | €29,248 | +€2,939 | +11.2% |
| Profit (loss) for the period | 9904 | €52,223 | €58,836 | +€6,612 | +12.7% |
| Profit (loss) for the period to be appropriated | 9905 | €52,223 | €58,836 | +€6,612 | +12.7% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 4 November 2026 via checked.be.