RMD Assurances & Prêts: what changed
What changed
RMD Assurances & Prêts
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€51,896
2024 · €8,453+€43,443
Equity
€79,099
2024 · €83,703-€4,604
Cash
€173,879
2024 · €127,832+€46,048
Balance sheet total
€268,493
2024 · €283,372-€14,879
Largest movements
Assets
- Intangible fixed assets -€53,609
down €53,609 (-50.0%), from €107,219 to €53,609
- Cash +€46,048
up €46,048 (+36.0%), from €127,832 to €173,879
mainly Depreciation (+€63,450) and Other debts (+€55,822)
- Tangible fixed assets -€7,715
down €7,715 (-37.4%), from €20,638 to €12,923
of which Furniture and vehicles: -€5,272
Equity and liabilities
- Debts after one year -€58,964
down €58,964 (-52.9%), from €111,552 to €52,589
- Other debts +€55,822
up €55,822 (+5,900%), from €946 to €56,768
- Reserves -€4,085
down €4,085 (-5.6%), from €73,105 to €69,020
of which Distributable reserves: -€4,085
- Trade debts -€3,929
down €3,929 (-61.7%), from €6,372 to €2,442
- Tax, wage and social debts -€3,369
down €3,369 (-16.3%), from €20,690 to €17,321
of which Taxes: -€5,305
Income statement
- Gross operating margin +€51,912
up €51,912 (+39.5%), from €131,582 to €183,494
- Taxes +€4,345
up €4,345 (+39.8%), from €10,914 to €15,259
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
€8,453
Gross operating margin
+€51,912
Staff costs
-€723
Depreciation
-€1,383
Financial income
+€0
Financial charges
+€1,119
Taxes
-€4,345
Deferred taxes and other
-€3,137
Result 2025
€51,896
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
+€162,486
Investment
-€2,126
Financing
-€114,312
Cash 2024
€127,832
From operations (derived)
+€162,486
Net result for the year
+€51,896
Depreciation
+€63,450
Receivables within one year
-€397
Provisions
-€2,297
Trade debts
-€3,929
Tax, wage and social debts
-€3,369
Other debts
+€55,822
Accrued charges and deferred income
+€1,311
Investment (derived)
-€2,126
Investment in fixed assets (net)
-€2,126
Financing
-€114,312
Debts after one year
-€58,964
Current portion of long-term debt
+€1,151
Contributions, distributions and other
-€56,500
Cash 2025
€173,879
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €283,372 | €268,493 | -€14,879 | -5.3% |
| Formation expenses | 20 | €0 | €0 | = | |
| Fixed assets | 21/28 | €130,457 | €69,133 | -€61,324 | -47.0% |
| Intangible fixed assets | 21 | €107,219 | €53,609 | -€53,609 | -50.0% |
| Tangible fixed assets | 22/27 | €20,638 | €12,923 | -€7,715 | -37.4% |
| Furniture and vehicles | 24 | €17,260 | €11,988 | -€5,272 | -30.5% |
| Other tangible fixed assets | 26 | €3,378 | €935 | -€2,443 | -72.3% |
| Financial fixed assets | 28 | €2,600 | €2,600 | = | 0.0% |
| Current assets | 29/58 | €152,915 | €199,360 | +€46,445 | +30.4% |
| Amounts receivable within one year | 40/41 | €25,084 | €25,481 | +€397 | +1.6% |
| Trade receivables | 40 | €23,684 | €24,081 | +€397 | +1.7% |
| Other amounts receivable | 41 | €1,400 | €1,400 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €127,832 | €173,879 | +€46,048 | +36.0% |
| Total equity and liabilities | 10/49 | €283,372 | €268,493 | -€14,879 | -5.3% |
| Equity | 10/15 | €83,703 | €79,099 | -€4,604 | -5.5% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Reserves | 13 | €73,105 | €69,020 | -€4,085 | -5.6% |
| Tax-exempt reserves | 132 | €5,036 | €5,036 | = | 0.0% |
| Distributable reserves | 133 | €68,069 | €63,984 | -€4,085 | -6.0% |
| Profit (loss) carried forward | 14 | €598 | €79 | -€519 | -86.8% |
| Provisions and deferred taxes | 16 | €2,297 | - | -€2,297 | |
| Deferred taxes | 168 | €2,297 | - | -€2,297 | |
| Amounts payable | 17/49 | €197,373 | €189,394 | -€7,979 | -4.0% |
| Amounts payable after more than one year | 17 | €111,552 | €52,589 | -€58,964 | -52.9% |
| Financial debts | 170/4 | €111,552 | €52,589 | -€58,964 | -52.9% |
| Amounts payable within one year | 42/48 | €85,820 | €135,494 | +€49,674 | +57.9% |
| Current portion of amounts payable after more than one year | 42 | €57,812 | €58,964 | +€1,151 | +2.0% |
| Trade debts | 44 | €6,372 | €2,442 | -€3,929 | -61.7% |
| Suppliers | 440/4 | €6,372 | €2,442 | -€3,929 | -61.7% |
| Taxes, remuneration and social security | 45 | €20,690 | €17,321 | -€3,369 | -16.3% |
| Taxes | 450/3 | €10,064 | €4,759 | -€5,305 | -52.7% |
| Remuneration and social security | 454/9 | €10,626 | €12,561 | +€1,935 | +18.2% |
| Other amounts payable | 47/48 | €946 | €56,768 | +€55,822 | +5,900% |
| Accrued charges and deferred income | 492/3 | - | €1,311 | +€1,311 | |
| Remuneration, social security and pensions | 62 | €51,128 | €51,851 | +€723 | +1.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €62,068 | €63,450 | +€1,383 | +2.2% |
| Other operating charges | 640/8 | €440 | €440 | = | 0.0% |
| Gross operating margin | 9900 | €131,582 | €183,494 | +€51,912 | +39.5% |
| Operating profit (loss) | 9901 | €17,946 | €67,753 | +€49,806 | +278% |
| Financial income | 75/76B | - | €0 | +€0 | |
| Recurring financial income | 75 | - | €0 | +€0 | |
| Financial charges | 65/66B | €4,013 | €2,894 | -€1,119 | -27.9% |
| Recurring financial charges | 65 | €4,013 | €2,894 | -€1,119 | -27.9% |
| Profit (loss) for the period before taxes | 9903 | €13,933 | €64,859 | +€50,925 | +365% |
| Transfer from deferred taxes | 780 | €5,434 | €2,297 | -€3,137 | -57.7% |
| Income taxes | 67/77 | €10,914 | €15,259 | +€4,345 | +39.8% |
| Profit (loss) for the period | 9904 | €8,453 | €51,896 | +€43,443 | +514% |
| Transfer from tax-exempt reserves | 789 | €17,156 | - | -€17,156 | |
| Profit (loss) for the period to be appropriated | 9905 | €25,609 | €51,896 | +€26,287 | +103% |
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 4 November 2026 via checked.be.