RiskSolutions: 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.
What changed
RiskSolutions
NACE 66.220, Insurance agents and brokers
financial year 31-12-2025 compared with 31-12-2024filed annual accounts (NBB)
Net result for the year
€67,804
31-12-2024 · €30,611+€37,193
Equity
€243,739
31-12-2024 · €190,749+€52,990
Cash
€79,610
31-12-2024 · €70,589+€9,021
Balance sheet total
€1.6m
31-12-2024 · €1.4m+€235,397
Largest movements
Assets
- Receivables within one year +€267,435
up €267,435 (+27.4%), from €977,567 to €1.2m
of which Trade receivables: +€245,140
- Tangible fixed assets -€41,488
down €41,488 (-15.8%), from €263,347 to €221,859
of which Furniture and vehicles: -€47,468
Equity and liabilities
- Accrued charges and deferred income +€194,214
up €194,214 (+28.0%), from €693,789 to €888,003
- Profit (loss) carried forward +€52,990
up €52,990 (+29.0%), from €182,689 to €235,679
- Debts after one year -€30,640
down €30,640 (-20.3%), from €150,769 to €120,129
Income statement
- Gross operating margin +€117,415
up €117,415 (+15.2%), from €774,941 to €892,356
- Staff costs +€55,970
up €55,970 (+8.8%), from €634,214 to €690,185
- Taxes +€11,913
up €11,913 (+55.2%), from €21,566 to €33,479
From the 31-12-2024 result to the 31-12-2025 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.
Result 31-12-2024
€30,611
Gross operating margin
+€117,415
Staff costs
-€55,970
Depreciation
-€8,762
Other operating charges
-€5,597
Financial income
+€720
Financial charges
+€1,301
Taxes
-€11,913
Result 31-12-2025
€67,804
raises the resultlowers the result
Derived cash bridge
Derived from the 31-12-2024 and 31-12-2025 balance sheets and the 31-12-2025 result: not a filed cash-flow statement. It shows where the money came from and went.
From operations
+€82,437
Investment
-€36,459
Financing
-€36,956
Cash 31-12-2024
€70,589
From operations (derived)
+€82,437
Net result for the year
+€67,804
Depreciation
+€85,975
Receivables within one year
-€267,435
Deferred charges and accrued income
-€8,456
Trade debts
+€4,228
Tax, wage and social debts
+€842
Other debts
+€5,265
Accrued charges and deferred income
+€194,214
Investment (derived)
-€36,459
Investment in fixed assets (net)
-€36,459
Financing
-€36,956
Debts after one year
-€30,640
Current portion of long-term debt
+€8,499
Contributions, distributions and other
-€14,815
Cash 31-12-2025
€79,610
brings cash intakes cash out
Every line side by side
| Line | Code | 31-12-2024 | 31-12-2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,377,478 | €1,612,875 | +€235,397 | +17.1% |
| Fixed assets | 21/28 | €305,452 | €255,936 | -€49,515 | -16.2% |
| Intangible fixed assets | 21 | €41,740 | €33,712 | -€8,028 | -19.2% |
| Tangible fixed assets | 22/27 | €263,347 | €221,859 | -€41,488 | -15.8% |
| Plant, machinery and equipment | 23 | - | €3,897 | +€3,897 | |
| Furniture and vehicles | 24 | €218,087 | €170,619 | -€47,468 | -21.8% |
| Other tangible fixed assets | 26 | €45,260 | €47,343 | +€2,084 | +4.6% |
| Financial fixed assets | 28 | €365 | €365 | = | 0.0% |
| Current assets | 29/58 | €1,072,026 | €1,356,938 | +€284,912 | +26.6% |
| Amounts receivable within one year | 40/41 | €977,567 | €1,245,002 | +€267,435 | +27.4% |
| Trade receivables | 40 | €295,794 | €540,934 | +€245,140 | +82.9% |
| Other amounts receivable | 41 | €681,773 | €704,068 | +€22,294 | +3.3% |
| Cash at bank and in hand | 54/58 | €70,589 | €79,610 | +€9,021 | +12.8% |
| Deferred charges and accrued income | 490/1 | €23,870 | €32,326 | +€8,456 | +35.4% |
| Total equity and liabilities | 10/49 | €1,377,478 | €1,612,875 | +€235,397 | +17.1% |
| Equity | 10/15 | €190,749 | €243,739 | +€52,990 | +27.8% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €182,689 | €235,679 | +€52,990 | +29.0% |
| Amounts payable | 17/49 | €1,186,729 | €1,369,136 | +€182,407 | +15.4% |
| Amounts payable after more than one year | 17 | €150,769 | €120,129 | -€30,640 | -20.3% |
| Financial debts | 170/4 | €150,769 | €120,129 | -€30,640 | -20.3% |
| Amounts payable within one year | 42/48 | €342,171 | €361,004 | +€18,833 | +5.5% |
| Current portion of amounts payable after more than one year | 42 | €53,959 | €62,458 | +€8,499 | +15.7% |
| Trade debts | 44 | €172,638 | €176,866 | +€4,228 | +2.4% |
| Suppliers | 440/4 | €172,638 | €176,866 | +€4,228 | +2.4% |
| Taxes, remuneration and social security | 45 | €106,024 | €106,866 | +€842 | +0.8% |
| Taxes | 450/3 | €22,873 | €36,246 | +€13,374 | +58.5% |
| Remuneration and social security | 454/9 | €83,151 | €70,620 | -€12,531 | -15.1% |
| Other amounts payable | 47/48 | €9,550 | €14,815 | +€5,265 | +55.1% |
| Accrued charges and deferred income | 492/3 | €693,789 | €888,003 | +€194,214 | +28.0% |
| Remuneration, social security and pensions | 62 | €634,214 | €690,185 | +€55,970 | +8.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €77,213 | €85,975 | +€8,762 | +11.3% |
| Other operating charges | 640/8 | €2,378 | €7,975 | +€5,597 | +235% |
| Gross operating margin | 9900 | €774,941 | €892,356 | +€117,415 | +15.2% |
| Operating profit (loss) | 9901 | €61,136 | €108,222 | +€47,085 | +77.0% |
| Financial income | 75/76B | €1,749 | €2,468 | +€720 | +41.1% |
| Recurring financial income | 75 | €1,749 | €2,468 | +€720 | +41.1% |
| Financial charges | 65/66B | €10,708 | €9,407 | -€1,301 | -12.2% |
| Recurring financial charges | 65 | €10,708 | €9,407 | -€1,301 | -12.2% |
| Profit (loss) for the period before taxes | 9903 | €52,177 | €101,283 | +€49,106 | +94.1% |
| Income taxes | 67/77 | €21,566 | €33,479 | +€11,913 | +55.2% |
| Profit (loss) for the period | 9904 | €30,611 | €67,804 | +€37,193 | +122% |
| Profit (loss) for the period to be appropriated | 9905 | €30,611 | €67,804 | +€37,193 | +122% |
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 18 October 2026 via checked.be.