RVB INSURANCE CONSULT: 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.
RVB INSURANCE CONSULT
Largest movements
- Cash +€38,922
up €38,922 (+95.7%), from €40,675 to €79,597
mainly Net result for the year (+€24,671) and Depreciation (+€19,063)
- Tangible fixed assets -€19,063
down €19,063 (-23.5%), from €81,220 to €62,157
of which Furniture and vehicles: -€18,814
- Receivables within one year +€3,438
up €3,438 (+1,495%), from €230 to €3,668
of which Other amounts receivable: +€2,755
- Reserves +€24,671
up €24,671 (+24.5%), from €100,561 to €125,232
- Gross operating margin -€15,833
down €15,833 (-21.6%), from €73,224 to €57,391
- Depreciation +€6,135
up €6,135 (+47.5%), from €12,928 to €19,063
- Taxes -€5,755
down €5,755 (-32.4%), from €17,770 to €12,016
From the 2025 result to the 2026 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 2025 and 2026 balance sheets and the 2026 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2025 | 2026 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €123,151 | €146,650 | +€23,499 | +19.1% |
| Fixed assets | 21/28 | €81,220 | €62,157 | -€19,063 | -23.5% |
| Tangible fixed assets | 22/27 | €81,220 | €62,157 | -€19,063 | -23.5% |
| Furniture and vehicles | 24 | €80,432 | €61,618 | -€18,814 | -23.4% |
| Other tangible fixed assets | 26 | €788 | €539 | -€249 | -31.6% |
| Current assets | 29/58 | €41,931 | €84,494 | +€42,562 | +102% |
| Amounts receivable within one year | 40/41 | €230 | €3,668 | +€3,438 | +1,495% |
| Trade receivables | 40 | - | €683 | +€683 | |
| Other amounts receivable | 41 | €230 | €2,985 | +€2,755 | +1,198% |
| Cash at bank and in hand | 54/58 | €40,675 | €79,597 | +€38,922 | +95.7% |
| Deferred charges and accrued income | 490/1 | €1,027 | €1,229 | +€202 | +19.7% |
| Total equity and liabilities | 10/49 | €123,151 | €146,650 | +€23,499 | +19.1% |
| Equity | 10/15 | €119,161 | €143,832 | +€24,671 | +20.7% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €100,561 | €125,232 | +€24,671 | +24.5% |
| Distributable reserves | 133 | €100,561 | €125,232 | +€24,671 | +24.5% |
| Amounts payable | 17/49 | €3,990 | €2,818 | -€1,172 | -29.4% |
| Amounts payable within one year | 42/48 | €2,571 | €1,123 | -€1,448 | -56.3% |
| Trade debts | 44 | €1,720 | €272 | -€1,448 | -84.2% |
| Suppliers | 440/4 | €1,720 | €272 | -€1,448 | -84.2% |
| Taxes, remuneration and social security | 45 | €125 | €125 | = | 0.0% |
| Remuneration and social security | 454/9 | €125 | €125 | = | 0.0% |
| Other amounts payable | 47/48 | €726 | €726 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | €1,420 | €1,695 | +€276 | +19.4% |
| Non-recurring operating income | 76A | €15,000 | - | -€15,000 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €12,928 | €19,063 | +€6,135 | +47.5% |
| Other operating charges | 640/8 | €1,438 | €1,419 | -€19 | -1.3% |
| Gross operating margin | 9900 | €73,224 | €57,391 | -€15,833 | -21.6% |
| Operating profit (loss) | 9901 | €58,858 | €36,910 | -€21,948 | -37.3% |
| Financial charges | 65/66B | €203 | €223 | +€20 | +9.8% |
| Recurring financial charges | 65 | €203 | €223 | +€20 | +9.8% |
| Profit (loss) for the period before taxes | 9903 | €58,655 | €36,687 | -€21,968 | -37.5% |
| Income taxes | 67/77 | €17,770 | €12,016 | -€5,755 | -32.4% |
| Profit (loss) for the period | 9904 | €40,885 | €24,671 | -€16,214 | -39.7% |
| Profit (loss) for the period to be appropriated | 9905 | €40,885 | €24,671 | -€16,214 | -39.7% |
Source: filed annual accounts (NBB), financial years ended 31 March 2025 and 31 March 2026. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 26 October 2026 via checked.be.