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S.RIS. Management: 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

S.RIS. Management

BE 0638.819.135
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€48,001
2024 · €7,076+€40,925
Equity
€103,174
2024 · €55,173+€48,001
Cash
€119,469
2024 · €66,643+€52,826
Balance sheet total
€205,663
2024 · €165,771+€39,892

Largest movements

2024 to 2025
Assets
  • Cash +€52,826

    up €52,826 (+79.3%), from €66,643 to €119,469

    mainly Net result for the year (+€48,001) and Depreciation (+€9,641)

  • Tangible fixed assets -€9,641

    down €9,641 (-19.5%), from €49,442 to €39,801

    of which Other tangible fixed assets: -€8,244

  • Receivables within one year -€4,566

    down €4,566 (-9.2%), from €49,616 to €45,050

    of which Trade receivables: -€13,500

Equity and liabilities
  • Reserves +€48,001

    up €48,001 (+242.9%), from €19,760 to €67,761

    of which Distributable reserves: +€48,001

  • Debts after one year -€14,846

    down €14,846 (-22.9%), from €64,908 to €50,062

  • Trade debts +€8,289

    up €8,289 (+58.7%), from €14,121 to €22,410

Income statement
  • Gross operating margin +€52,595

    up €52,595 (+205.9%), from €25,545 to €78,140

  • Taxes +€12,724

    up €12,724 (+257.1%), from €4,950 to €17,674

  • Other operating charges +€1,557

    up €1,557 (+74.0%), from €2,103 to €3,660

  • Depreciation -€1,239

    down €1,239 (-11.4%), from €10,880 to €9,641

  • Financial charges -€1,087

    down €1,087 (-50.9%), from €2,134 to €1,047

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 €7,076
Gross operating margin +€52,595
Depreciation +€1,239
Other operating charges -€1,557
Financial income +€285
Financial charges +€1,087
Taxes -€12,724
Result 2025 €48,001

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 +€67,402
Investment €0
Financing -€14,576
Cash 2024 €66,643
Net result for the year +€48,001
Depreciation +€9,641
Receivables within one year +€4,566
Deferred charges and accrued income -€1,273
Trade debts +€8,289
Tax, wage and social debts -€953
Accrued charges and deferred income -€869
Debts after one year -€14,846
Current portion of long-term debt +€270
Cash 2025 €119,469
Every line side by side 45 lines
Line Code 2024 2025 Change %
Total assets 20/58 €165,771 €205,663 +€39,892 +24.1%
Fixed assets 21/28 €49,442 €39,801 -€9,641 -19.5%
Tangible fixed assets 22/27 €49,442 €39,801 -€9,641 -19.5%
Furniture and vehicles 24 €3,578 €2,181 -€1,397 -39.0%
Other tangible fixed assets 26 €45,864 €37,620 -€8,244 -18.0%
Current assets 29/58 €116,329 €165,862 +€49,533 +42.6%
Amounts receivable within one year 40/41 €49,616 €45,050 -€4,566 -9.2%
Trade receivables 40 €20,164 €6,664 -€13,500 -67.0%
Other amounts receivable 41 €29,452 €38,386 +€8,934 +30.3%
Cash at bank and in hand 54/58 €66,643 €119,469 +€52,826 +79.3%
Deferred charges and accrued income 490/1 €70 €1,343 +€1,273 +1818.6%
Total equity and liabilities 10/49 €165,771 €205,663 +€39,892 +24.1%
Equity 10/15 €55,173 €103,174 +€48,001 +87.0%
Contributions 10/11 €12,400 €12,400 = 0.0%
Capital 10 €12,400 €12,400 = 0.0%
Issued capital 100 €18,600 €18,600 = 0.0%
Uncalled capital 101 €6,200 €6,200 = 0.0%
Reserves 13 €19,760 €67,761 +€48,001 +242.9%
Non-distributable reserves 130/1 €1,860 €1,860 = 0.0%
Legal reserve 130 €1,860 €1,860 = 0.0%
Distributable reserves 133 €17,900 €65,901 +€48,001 +268.2%
Profit (loss) carried forward 14 €23,013 €23,013 = 0.0%
Amounts payable 17/49 €110,598 €102,489 -€8,109 -7.3%
Amounts payable after more than one year 17 €64,908 €50,062 -€14,846 -22.9%
Financial debts 170/4 €64,908 €50,062 -€14,846 -22.9%
Amounts payable within one year 42/48 €44,821 €52,427 +€7,606 +17.0%
Current portion of amounts payable after more than one year 42 €13,794 €14,064 +€270 +2.0%
Trade debts 44 €14,121 €22,410 +€8,289 +58.7%
Suppliers 440/4 €14,121 €22,410 +€8,289 +58.7%
Taxes, remuneration and social security 45 €16,906 €15,953 -€953 -5.6%
Taxes 450/3 €14,470 €15,801 +€1,331 +9.2%
Remuneration and social security 454/9 €2,436 €152 -€2,284 -93.8%
Accrued charges and deferred income 492/3 €869 - -€869
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €10,880 €9,641 -€1,239 -11.4%
Other operating charges 640/8 €2,103 €3,660 +€1,557 +74.0%
Gross operating margin 9900 €25,545 €78,140 +€52,595 +205.9%
Operating profit (loss) 9901 €12,562 €64,839 +€52,277 +416.2%
Financial income 75/76B €1,598 €1,883 +€285 +17.8%
Recurring financial income 75 €1,598 €1,883 +€285 +17.8%
Financial charges 65/66B €2,134 €1,047 -€1,087 -50.9%
Recurring financial charges 65 €2,134 €1,047 -€1,087 -50.9%
Profit (loss) for the period before taxes 9903 €12,026 €65,675 +€53,649 +446.1%
Income taxes 67/77 €4,950 €17,674 +€12,724 +257.1%
Profit (loss) for the period 9904 €7,076 €48,001 +€40,925 +578.4%
Profit (loss) for the period to be appropriated 9905 €7,076 €48,001 +€40,925 +578.4%

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 29 September 2026 via checked.be.