S.V. Assurances: what changed
What changed
S.V. Assurances
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€108,698
2024 · €61,276+€47,422
Equity
€661,877
2024 · €553,180+€108,698
Cash
-
not filed
Balance sheet total
€752,541
2024 · €657,743+€94,798
Largest movements
Assets
- Receivables within one year +€75,000
up €75,000 (+13.2%), from €568,000 to €643,000
of which Other amounts receivable: +€75,000
- Deferred charges and accrued income +€17,793
up €17,793 (+20.9%), from €85,257 to €103,050
Equity and liabilities
- Reserves +€109,000
up €109,000 (+20.4%), from €533,859 to €642,859
- Short-term financial debts -€20,904
down €20,904 (-54.9%), from €38,073 to €17,169
- Tax, wage and social debts +€8,210
up €8,210 (+13.7%), from €59,811 to €68,021
Income statement
- Gross operating margin +€63,311
up €63,311 (+80.7%), from €78,425 to €141,736
- Taxes +€16,857
up €16,857 (+65.9%), from €25,582 to €42,439
- Financial income +€2,250
up €2,250 (+13.3%), from €16,890 to €19,141
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
€61,276
Gross operating margin
+€63,311
Depreciation
-€151
Other operating charges
-€648
Financial income
+€2,250
Financial charges
-€483
Taxes
-€16,857
Result 2025
€108,698
raises the resultlowers the result
Derived cash bridge
Cash or the result is not a separate line in both sets of accounts. So the cash flow cannot be derived from them.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €657,743 | €752,541 | +€94,798 | +14.4% |
| Fixed assets | 21/28 | €4,486 | €6,491 | +€2,005 | +44.7% |
| Tangible fixed assets | 22/27 | €4,486 | €6,491 | +€2,005 | +44.7% |
| Furniture and vehicles | 24 | - | €2,505 | +€2,505 | |
| Other tangible fixed assets | 26 | €4,486 | €3,986 | -€500 | -11.1% |
| Current assets | 29/58 | €653,257 | €746,050 | +€92,793 | +14.2% |
| Amounts receivable within one year | 40/41 | €568,000 | €643,000 | +€75,000 | +13.2% |
| Trade receivables | 40 | €5,000 | €5,000 | = | 0.0% |
| Other amounts receivable | 41 | €563,000 | €638,000 | +€75,000 | +13.3% |
| Deferred charges and accrued income | 490/1 | €85,257 | €103,050 | +€17,793 | +20.9% |
| Total equity and liabilities | 10/49 | €657,743 | €752,541 | +€94,798 | +14.4% |
| Equity | 10/15 | €553,180 | €661,877 | +€108,698 | +19.6% |
| Contributions | 10/11 | €18,592 | €18,592 | = | 0.0% |
| Reserves | 13 | €533,859 | €642,859 | +€109,000 | +20.4% |
| Distributable reserves | 133 | €533,859 | €642,859 | +€109,000 | +20.4% |
| Profit (loss) carried forward | 14 | €728 | €426 | -€302 | -41.5% |
| Amounts payable | 17/49 | €104,564 | €90,664 | -€13,900 | -13.3% |
| Amounts payable within one year | 42/48 | €103,017 | €87,123 | -€15,894 | -15.4% |
| Financial debts | 43 | €38,073 | €17,169 | -€20,904 | -54.9% |
| Credit institutions | 430/8 | €38,073 | €17,169 | -€20,904 | -54.9% |
| Trade debts | 44 | €2,485 | - | -€2,485 | |
| Suppliers | 440/4 | €2,485 | - | -€2,485 | |
| Taxes, remuneration and social security | 45 | €59,811 | €68,021 | +€8,210 | +13.7% |
| Taxes | 450/3 | €59,811 | €68,021 | +€8,210 | +13.7% |
| Other amounts payable | 47/48 | €2,648 | €1,933 | -€714 | -27.0% |
| Accrued charges and deferred income | 492/3 | €1,547 | €3,541 | +€1,994 | +129% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €500 | €651 | +€151 | +30.3% |
| Other operating charges | 640/8 | €896 | €1,544 | +€648 | +72.3% |
| Gross operating margin | 9900 | €78,425 | €141,736 | +€63,311 | +80.7% |
| Operating profit (loss) | 9901 | €77,029 | €139,541 | +€62,512 | +81.2% |
| Financial income | 75/76B | €16,890 | €19,141 | +€2,250 | +13.3% |
| Recurring financial income | 75 | €16,890 | €19,141 | +€2,250 | +13.3% |
| Financial charges | 65/66B | €7,061 | €7,545 | +€483 | +6.8% |
| Recurring financial charges | 65 | €7,061 | €7,545 | +€483 | +6.8% |
| Profit (loss) for the period before taxes | 9903 | €86,858 | €151,137 | +€64,279 | +74.0% |
| Income taxes | 67/77 | €25,582 | €42,439 | +€16,857 | +65.9% |
| Profit (loss) for the period | 9904 | €61,276 | €108,698 | +€47,422 | +77.4% |
| Profit (loss) for the period to be appropriated | 9905 | €61,276 | €108,698 | +€47,422 | +77.4% |
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.