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ROBAST: 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

ROBAST

BE 0505.902.906
NACE 66.191, Agents and brokers in banking services
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€106,444
2024 · €72,258+€34,186
Equity
€23,527
2024 · €97,083-€73,556
Cash
€107,117
2024 · €62,578+€44,539
Balance sheet total
€419,668
2024 · €500,978-€81,310

Largest movements

2024 to 2025
Assets
  • Receivables after one year -€69,604

    no longer reported in 2025 (was €69,604)

  • Intangible fixed assets -€47,715

    down €47,715 (-17.9%), from €266,392 to €218,677

  • Cash +€44,539

    up €44,539 (+71.2%), from €62,578 to €107,117

    mainly Net result for the year (+€106,444) and Receivables after one year (+€69,604)

  • Tangible fixed assets -€9,636

    down €9,636 (-11.5%), from €83,683 to €74,047

    of which Other tangible fixed assets: -€9,037

Equity and liabilities
  • Profit (loss) carried forward -€73,556

    down €73,556 (-96.0%), from €76,623 to €3,067

  • Debts after one year -€47,563

    down €47,563 (-18.5%), from €257,265 to €209,702

  • Other debts +€30,000

    up €30,000 (+40.0%), from €75,064 to €105,064

  • Tax, wage and social debts +€9,035

    up €9,035 (+89.4%), from €10,106 to €19,141

Income statement
  • Gross operating margin +€104,757

    up €104,757 (+45.8%), from €228,707 to €333,464

  • Depreciation +€28,661

    up €28,661 (+99.9%), from €28,690 to €57,351

  • Staff costs +€20,189

    up €20,189 (+21.2%), from €95,318 to €115,507

  • Taxes +€15,157

    up €15,157 (+60.7%), from €24,957 to €40,113

  • Financial charges +€6,291

    up €6,291 (+199.9%), from €3,147 to €9,438

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 €72,258
Gross operating margin +€104,757
Staff costs -€20,189
Depreciation -€28,661
Other operating charges -€426
Financial income +€152
Financial charges -€6,291
Taxes -€15,157
Result 2025 €106,444

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 +€270,799
Investment €0
Financing -€226,260
Cash 2024 €62,578
Net result for the year +€106,444
Depreciation +€57,351
Receivables after one year +€69,604
Receivables within one year +€435
Deferred charges and accrued income -€1,541
Trade debts -€529
Tax, wage and social debts +€9,035
Other debts +€30,000
Debts after one year -€47,563
Current portion of long-term debt +€1,303
Contributions, distributions and other -€180,000
Cash 2025 €107,117
Every line side by side 45 lines
Line Code 2024 2025 Change %
Total assets 20/58 €500,978 €419,668 -€81,310 -16.2%
Fixed assets 21/28 €350,075 €292,725 -€57,351 -16.4%
Intangible fixed assets 21 €266,392 €218,677 -€47,715 -17.9%
Tangible fixed assets 22/27 €83,683 €74,047 -€9,636 -11.5%
Furniture and vehicles 24 €1,178 €579 -€599 -50.8%
Other tangible fixed assets 26 €82,505 €73,468 -€9,037 -11.0%
Current assets 29/58 €150,903 €126,943 -€23,959 -15.9%
Amounts receivable after more than one year 29 €69,604 - -€69,604
Other amounts receivable 291 €69,604 - -€69,604
Amounts receivable within one year 40/41 €11,900 €11,465 -€435 -3.7%
Other amounts receivable 41 €11,900 €11,465 -€435 -3.7%
Cash at bank and in hand 54/58 €62,578 €107,117 +€44,539 +71.2%
Deferred charges and accrued income 490/1 €6,820 €8,361 +€1,541 +22.6%
Total equity and liabilities 10/49 €500,978 €419,668 -€81,310 -16.2%
Equity 10/15 €97,083 €23,527 -€73,556 -75.8%
Contributions 10/11 €18,600 €18,600 = 0.0%
Reserves 13 €1,860 €1,860 = 0.0%
Non-distributable reserves 130/1 €1,860 €1,860 = 0.0%
Reserves not available under the articles 1311 €1,860 €1,860 = 0.0%
Profit (loss) carried forward 14 €76,623 €3,067 -€73,556 -96.0%
Amounts payable 17/49 €403,895 €396,141 -€7,754 -1.9%
Amounts payable after more than one year 17 €257,265 €209,702 -€47,563 -18.5%
Financial debts 170/4 €257,265 €209,702 -€47,563 -18.5%
Amounts payable within one year 42/48 €145,380 €185,189 +€39,809 +27.4%
Current portion of amounts payable after more than one year 42 €46,260 €47,563 +€1,303 +2.8%
Trade debts 44 €13,950 €13,421 -€529 -3.8%
Suppliers 440/4 €13,950 €13,421 -€529 -3.8%
Taxes, remuneration and social security 45 €10,106 €19,141 +€9,035 +89.4%
Remuneration and social security 454/9 €10,106 €19,141 +€9,035 +89.4%
Other amounts payable 47/48 €75,064 €105,064 +€30,000 +40.0%
Accrued charges and deferred income 492/3 €1,250 €1,250 = 0.0%
Non-recurring operating income 76A €5,000 - -€5,000
Remuneration, social security and pensions 62 €95,318 €115,507 +€20,189 +21.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €28,690 €57,351 +€28,661 +99.9%
Other operating charges 640/8 €4,562 €4,989 +€426 +9.3%
Gross operating margin 9900 €228,707 €333,464 +€104,757 +45.8%
Operating profit (loss) 9901 €100,137 €155,618 +€55,481 +55.4%
Financial income 75/76B €226 €378 +€152 +67.5%
Recurring financial income 75 €226 €378 +€152 +67.5%
Financial charges 65/66B €3,147 €9,438 +€6,291 +199.9%
Recurring financial charges 65 €3,147 €9,438 +€6,291 +199.9%
Profit (loss) for the period before taxes 9903 €97,215 €146,558 +€49,343 +50.8%
Income taxes 67/77 €24,957 €40,113 +€15,157 +60.7%
Profit (loss) for the period 9904 €72,258 €106,444 +€34,186 +47.3%
Profit (loss) for the period to be appropriated 9905 €72,258 €106,444 +€34,186 +47.3%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 28 September 2026 via checked.be.