REMAUT 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.
REMAUT VERZEKERINGEN
Largest movements
- Current investments +€353,807
up €353,807 (+27,159%), from €1,303 to €355,110
- Cash -€244,086
down €244,086 (-99.6%), from €245,080 to €994
mainly Current investments (-€353,807) and Contributions, distributions and other (-€47,200)
- Tangible fixed assets -€25,964
down €25,964 (-4.4%), from €591,264 to €565,301
of which Furniture and vehicles: -€25,090
- Receivables within one year +€15,731
up €15,731 (+49.8%), from €31,576 to €47,307
of which Trade receivables: +€15,731
- Reserves +€88,441
up €88,441 (+33.1%), from €266,926 to €355,367
of which Distributable reserves: +€88,441
- Debts after one year -€31,817
down €31,817 (-11.1%), from €285,611 to €253,794
- Other debts +€17,025
up €17,025 (+9.3%), from €183,090 to €200,115
- Tax, wage and social debts +€15,687
up €15,687 (+67.7%), from €23,156 to €38,843
of which Taxes: +€13,208
- Gross operating margin +€88,741
up €88,741 (+31.1%), from €285,375 to €374,116
- Depreciation -€47,175
down €47,175 (-42.1%), from €112,121 to €64,945
- Taxes +€46,384
up €46,384 (+262%), from €17,672 to €64,056
- Staff costs -€32,404
down €32,404 (-29.0%), from €111,697 to €79,293
- Financial charges +€12,647
up €12,647 (+96.1%), from €13,163 to €25,810
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 | €873,012 | €972,285 | +€99,273 | +11.4% |
| Fixed assets | 21/28 | €592,125 | €566,162 | -€25,964 | -4.4% |
| Tangible fixed assets | 22/27 | €591,264 | €565,301 | -€25,964 | -4.4% |
| Land and buildings | 22 | €96,740 | €101,321 | +€4,581 | +4.7% |
| Plant, machinery and equipment | 23 | €8,057 | €5,277 | -€2,780 | -34.5% |
| Furniture and vehicles | 24 | €96,721 | €71,631 | -€25,090 | -25.9% |
| Other tangible fixed assets | 26 | €389,747 | €387,072 | -€2,675 | -0.7% |
| Financial fixed assets | 28 | €861 | €861 | = | 0.0% |
| Current assets | 29/58 | €280,887 | €406,124 | +€125,237 | +44.6% |
| Amounts receivable within one year | 40/41 | €31,576 | €47,307 | +€15,731 | +49.8% |
| Trade receivables | 40 | €25,408 | €41,139 | +€15,731 | +61.9% |
| Other amounts receivable | 41 | €6,168 | €6,168 | = | 0.0% |
| Current investments | 50/53 | €1,303 | €355,110 | +€353,807 | +27,159% |
| Cash at bank and in hand | 54/58 | €245,080 | €994 | -€244,086 | -99.6% |
| Deferred charges and accrued income | 490/1 | €2,928 | €2,713 | -€215 | -7.3% |
| Total equity and liabilities | 10/49 | €873,012 | €972,285 | +€99,273 | +11.4% |
| Equity | 10/15 | €328,926 | €417,367 | +€88,441 | +26.9% |
| Contributions | 10/11 | €62,000 | €62,000 | = | 0.0% |
| Capital | 10 | €62,000 | €62,000 | = | 0.0% |
| Issued capital | 100 | €62,000 | €62,000 | = | 0.0% |
| Reserves | 13 | €266,926 | €355,367 | +€88,441 | +33.1% |
| Non-distributable reserves | 130/1 | €6,200 | €6,200 | = | 0.0% |
| Legal reserve | 130 | €6,200 | €6,200 | = | 0.0% |
| Tax-exempt reserves | 132 | €1,697 | €1,697 | = | 0.0% |
| Distributable reserves | 133 | €259,029 | €347,470 | +€88,441 | +34.1% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €544,086 | €554,919 | +€10,833 | +2.0% |
| Amounts payable after more than one year | 17 | €285,611 | €253,794 | -€31,817 | -11.1% |
| Financial debts | 170/4 | €285,611 | €253,794 | -€31,817 | -11.1% |
| Amounts payable within one year | 42/48 | €258,475 | €301,124 | +€42,650 | +16.5% |
| Current portion of amounts payable after more than one year | 42 | €35,344 | €31,817 | -€3,527 | -10.0% |
| Financial debts | 43 | €12,676 | €18,897 | +€6,221 | +49.1% |
| Credit institutions | 430/8 | €12,676 | €18,897 | +€6,221 | +49.1% |
| Trade debts | 44 | €4,209 | €11,453 | +€7,244 | +172% |
| Suppliers | 440/4 | €4,209 | €11,453 | +€7,244 | +172% |
| Bills of exchange payable | 441 | €0 | - | = | |
| Taxes, remuneration and social security | 45 | €23,156 | €38,843 | +€15,687 | +67.7% |
| Taxes | 450/3 | €15,015 | €28,223 | +€13,208 | +88.0% |
| Remuneration and social security | 454/9 | €8,142 | €10,620 | +€2,479 | +30.4% |
| Other amounts payable | 47/48 | €183,090 | €200,115 | +€17,025 | +9.3% |
| Accrued charges and deferred income | 492/3 | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €111,697 | €79,293 | -€32,404 | -29.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €112,121 | €64,945 | -€47,175 | -42.1% |
| Other operating charges | 640/8 | €4,204 | €4,371 | +€167 | +4.0% |
| Non-recurring operating charges | 66A | €0 | - | = | |
| Gross operating margin | 9900 | €285,375 | €374,116 | +€88,741 | +31.1% |
| Operating profit (loss) | 9901 | €57,353 | €225,506 | +€168,153 | +293% |
| Financial income | 75/76B | €4,917 | €0 | -€4,917 | -100% |
| Recurring financial income | 75 | €4,917 | €0 | -€4,917 | -100% |
| Financial charges | 65/66B | €13,163 | €25,810 | +€12,647 | +96.1% |
| Recurring financial charges | 65 | €13,163 | €25,810 | +€12,647 | +96.1% |
| Profit (loss) for the period before taxes | 9903 | €49,107 | €199,697 | +€150,590 | +307% |
| Income taxes | 67/77 | €17,672 | €64,056 | +€46,384 | +262% |
| Profit (loss) for the period | 9904 | €31,434 | €135,641 | +€104,207 | +332% |
| Profit (loss) for the period to be appropriated | 9905 | €31,434 | €135,641 | +€104,207 | +332% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 21 October 2026 via checked.be.