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RT CONSULTING: 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

RT CONSULTING

BE 0876.730.837
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€19,942
2024 · €280,159-€300,101
Equity
€612,317
2024 · €673,826-€61,510
Cash
€236,714
2024 · €464,224-€227,510
Balance sheet total
€912,984
2024 · €935,990-€23,006

Largest movements

2024 to 2025
Assets
  • Current investments +€230,346

    up €230,346 (+56.1%), from €410,592 to €640,938

  • Cash -€227,510

    down €227,510 (-49.0%), from €464,224 to €236,714

    mainly Current investments (-€230,346) and Contributions, distributions and other (-€41,568)

  • Tangible fixed assets -€13,014

    down €13,014 (-30.1%), from €43,219 to €30,205

    of which Furniture and vehicles: -€10,513

  • Receivables within one year -€12,407

    down €12,407 (-73.9%), from €16,798 to €4,391

Equity and liabilities
  • Reserves -€61,510

    down €61,510 (-9.3%), from €661,426 to €599,917

    of which Distributable reserves: -€61,510

  • Other debts +€52,153

    up €52,153 (+22.8%), from €228,417 to €280,571

  • Trade debts -€13,562

    down €13,562 (-93.0%), from €14,577 to €1,016

Income statement
  • Gross operating margin -€434,308

    down €434,308 (-97.5%), from €445,488 to €11,180

  • Taxes -€133,080

    down €133,080 (-99.6%), from €133,554 to €475

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 €280,159
Gross operating margin -€434,308
Depreciation +€744
Other operating charges -€1,175
Financial income +€1,492
Financial charges +€67
Taxes +€133,080
Result 2025 -€19,942

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 +€44,404
Investment -€230,346
Financing -€41,568
Cash 2024 €464,224
Net result for the year -€19,942
Depreciation +€13,014
Receivables within one year +€12,407
Smaller working-capital items +€333
Trade debts -€13,562
Other debts +€52,153
Current investments -€230,346
Contributions, distributions and other -€41,568
Cash 2025 €236,714
Every line side by side 40 lines
Line Code 2024 2025 Change %
Total assets 20/58 €935,990 €912,984 -€23,006 -2.5%
Fixed assets 21/28 €43,219 €30,205 -€13,014 -30.1%
Tangible fixed assets 22/27 €43,219 €30,205 -€13,014 -30.1%
Land and buildings 22 €4,512 €3,888 -€624 -13.8%
Plant, machinery and equipment 23 €7,532 €5,655 -€1,878 -24.9%
Furniture and vehicles 24 €31,175 €20,662 -€10,513 -33.7%
Current assets 29/58 €892,771 €882,779 -€9,992 -1.1%
Amounts receivable within one year 40/41 €16,798 €4,391 -€12,407 -73.9%
Other amounts receivable 41 €16,798 €4,391 -€12,407 -73.9%
Current investments 50/53 €410,592 €640,938 +€230,346 +56.1%
Cash at bank and in hand 54/58 €464,224 €236,714 -€227,510 -49.0%
Deferred charges and accrued income 490/1 €1,157 €736 -€421 -36.4%
Total equity and liabilities 10/49 €935,990 €912,984 -€23,006 -2.5%
Equity 10/15 €673,826 €612,317 -€61,510 -9.1%
Contributions 10/11 €12,400 €12,400 = 0.0%
Reserves 13 €661,426 €599,917 -€61,510 -9.3%
Non-distributable reserves 130/1 €1,860 €1,860 = 0.0%
Reserves not available under the articles 1311 €1,860 €1,860 = 0.0%
Distributable reserves 133 €659,566 €598,057 -€61,510 -9.3%
Profit (loss) carried forward 14 €0 €0 =
Amounts payable 17/49 €262,164 €300,667 +€38,504 +14.7%
Amounts payable within one year 42/48 €248,746 €287,311 +€38,565 +15.5%
Trade debts 44 €14,577 €1,016 -€13,562 -93.0%
Suppliers 440/4 €14,577 €1,016 -€13,562 -93.0%
Taxes, remuneration and social security 45 €5,751 €5,724 -€26 -0.5%
Taxes 450/3 €5,751 €5,724 -€26 -0.5%
Other amounts payable 47/48 €228,417 €280,571 +€52,153 +22.8%
Accrued charges and deferred income 492/3 €13,418 €13,357 -€62 -0.5%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €13,758 €13,014 -€744 -5.4%
Other operating charges 640/8 €528 €1,703 +€1,175 +222.7%
Gross operating margin 9900 €445,488 €11,180 -€434,308 -97.5%
Operating profit (loss) 9901 €431,202 -€3,537 -€434,740
Financial income 75/76B €1,863 €3,355 +€1,492 +80.1%
Recurring financial income 75 €1,863 €3,355 +€1,492 +80.1%
Financial charges 65/66B €19,352 €19,285 -€67 -0.3%
Recurring financial charges 65 €19,352 €19,285 -€67 -0.3%
Profit (loss) for the period before taxes 9903 €413,713 -€19,467 -€433,181
Income taxes 67/77 €133,554 €475 -€133,080 -99.6%
Profit (loss) for the period 9904 €280,159 -€19,942 -€300,101
Profit (loss) for the period to be appropriated 9905 €280,159 -€19,942 -€300,101

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.