SCAZZI FINANCES: what changed
What changed
SCAZZI FINANCES
NACE 66.191, Agents and brokers in banking services
filed annual accounts (NBB)
Net result for the year
€122,484
2024 · €36,484+€86,000
Equity
€422,215
2024 · €449,731-€27,516
Cash
€241,852
2024 · €333,492-€91,640
Balance sheet total
€1.4m
2024 · €1.3m+€58,859
Largest movements
Assets
- Tangible fixed assets +€189,305
up €189,305 (+27.9%), from €677,830 to €867,134
of which Land and buildings: +€181,104
- Cash -€91,640
down €91,640 (-27.5%), from €333,492 to €241,852
mainly Investment in fixed assets (net) (-€228,497) and Contributions, distributions and other (-€150,000)
- Intangible fixed assets -€27,000
down €27,000 (-11.3%), from €239,191 to €212,191
- Receivables within one year -€16,655
no longer reported in 2025 (was €16,655)
of which Other amounts receivable: -€14,370
Equity and liabilities
- Other debts +€118,595
up €118,595 (+186%), from €63,711 to €182,305
- Debts after one year -€47,718
down €47,718 (-7.7%), from €617,580 to €569,862
- Reserves -€20,799
down €20,799 (-7.0%), from €295,614 to €274,815
of which Tax-exempt reserves: -€20,799
- Tax, wage and social debts +€14,592
up €14,592 (+71.3%), from €20,455 to €35,047
of which Remuneration and social security: +€11,133
Income statement
- Gross operating margin +€139,824
up €139,824 (+55.3%), from €252,641 to €392,464
- Staff costs +€53,019
up €53,019 (+61.2%), from €86,659 to €139,678
- Taxes +€29,870
up €29,870 (+188%), from €15,913 to €45,783
- Depreciation -€20,388
down €20,388 (-23.5%), from €86,580 to €66,192
- Other operating charges -€8,469
down €8,469 (-58.4%), from €14,494 to €6,025
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
€36,484
Gross operating margin
+€139,824
Staff costs
-€53,019
Depreciation
+€20,388
Write-downs
+€1,875
Other operating charges
+€8,469
Financial income
+€230
Financial charges
-€3,208
Taxes
-€29,870
Deferred taxes and other
+€1,311
Result 2025
€122,484
raises the resultlowers the resultnot broken down further in the accounts
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€339,628
Investment
-€228,497
Financing
-€202,771
Cash 2024
€333,492
From operations (derived)
+€339,628
Net result for the year
+€122,484
Depreciation
+€66,192
Receivables within one year
+€16,655
Deferred charges and accrued income
-€4,849
Provisions
-€6,933
Trade debts
+€12,264
Tax, wage and social debts
+€14,592
Other debts
+€118,595
Accrued charges and deferred income
+€629
Investment (derived)
-€228,497
Investment in fixed assets (net)
-€228,497
Financing
-€202,771
Debts after one year
-€47,718
Current portion of long-term debt
-€5,944
Short-term financial debts
+€892
Contributions, distributions and other
-€150,000
Cash 2025
€241,852
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,329,905 | €1,388,764 | +€58,859 | +4.4% |
| Fixed assets | 21/28 | €917,021 | €1,079,326 | +€162,305 | +17.7% |
| Intangible fixed assets | 21 | €239,191 | €212,191 | -€27,000 | -11.3% |
| Tangible fixed assets | 22/27 | €677,830 | €867,134 | +€189,305 | +27.9% |
| Land and buildings | 22 | €616,758 | €797,863 | +€181,104 | +29.4% |
| Plant, machinery and equipment | 23 | €6,288 | €8,129 | +€1,842 | +29.3% |
| Furniture and vehicles | 24 | €45,600 | €54,136 | +€8,537 | +18.7% |
| Other tangible fixed assets | 26 | €9,184 | €7,006 | -€2,178 | -23.7% |
| Current assets | 29/58 | €412,884 | €309,439 | -€103,445 | -25.1% |
| Stocks and contracts in progress | 3 | €10,106 | €10,106 | = | 0.0% |
| Stocks | 30/36 | €10,106 | €10,106 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €16,655 | - | -€16,655 | |
| Trade receivables | 40 | €2,284 | - | -€2,284 | |
| Other amounts receivable | 41 | €14,370 | - | -€14,370 | |
| Cash at bank and in hand | 54/58 | €333,492 | €241,852 | -€91,640 | -27.5% |
| Deferred charges and accrued income | 490/1 | €52,632 | €57,481 | +€4,849 | +9.2% |
| Total equity and liabilities | 10/49 | €1,329,905 | €1,388,764 | +€58,859 | +4.4% |
| Equity | 10/15 | €449,731 | €422,215 | -€27,516 | -6.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €295,614 | €274,815 | -€20,799 | -7.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Tax-exempt reserves | 132 | €293,754 | €272,955 | -€20,799 | -7.1% |
| Profit (loss) carried forward | 14 | €135,517 | €128,800 | -€6,717 | -5.0% |
| Provisions and deferred taxes | 16 | €97,918 | €90,985 | -€6,933 | -7.1% |
| Deferred taxes | 168 | €97,918 | €90,985 | -€6,933 | -7.1% |
| Amounts payable | 17/49 | €782,256 | €875,564 | +€93,308 | +11.9% |
| Amounts payable after more than one year | 17 | €617,580 | €569,862 | -€47,718 | -7.7% |
| Financial debts | 170/4 | €617,580 | €569,862 | -€47,718 | -7.7% |
| Amounts payable within one year | 42/48 | €164,676 | €305,074 | +€140,398 | +85.3% |
| Current portion of amounts payable after more than one year | 42 | €62,465 | €56,520 | -€5,944 | -9.5% |
| Financial debts | 43 | €3,211 | €4,103 | +€892 | +27.8% |
| Credit institutions | 430/8 | €3,211 | €4,103 | +€892 | +27.8% |
| Trade debts | 44 | €14,834 | €27,098 | +€12,264 | +82.7% |
| Suppliers | 440/4 | €14,834 | €27,098 | +€12,264 | +82.7% |
| Taxes, remuneration and social security | 45 | €20,455 | €35,047 | +€14,592 | +71.3% |
| Taxes | 450/3 | €2,629 | €6,088 | +€3,459 | +132% |
| Remuneration and social security | 454/9 | €17,827 | €28,959 | +€11,133 | +62.4% |
| Other amounts payable | 47/48 | €63,711 | €182,305 | +€118,595 | +186% |
| Accrued charges and deferred income | 492/3 | - | €629 | +€629 | |
| Remuneration, social security and pensions | 62 | €86,659 | €139,678 | +€53,019 | +61.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €86,580 | €66,192 | -€20,388 | -23.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €1,875 | - | -€1,875 | |
| Other operating charges | 640/8 | €14,494 | €6,025 | -€8,469 | -58.4% |
| Gross operating margin | 9900 | €252,641 | €392,464 | +€139,824 | +55.3% |
| Operating profit (loss) | 9901 | €63,033 | €180,570 | +€117,536 | +186% |
| Financial income | 75/76B | €7,101 | €7,331 | +€230 | +3.2% |
| Recurring financial income | 75 | €7,101 | €7,331 | +€230 | +3.2% |
| Financial charges | 65/66B | €23,359 | €26,567 | +€3,208 | +13.7% |
| Recurring financial charges | 65 | €23,359 | €26,567 | +€3,208 | +13.7% |
| Profit (loss) for the period before taxes | 9903 | €46,775 | €161,334 | +€114,559 | +245% |
| Transfer from deferred taxes | 780 | €5,621 | €6,933 | +€1,311 | +23.3% |
| Income taxes | 67/77 | €15,913 | €45,783 | +€29,870 | +188% |
| Profit (loss) for the period | 9904 | €36,484 | €122,484 | +€86,000 | +236% |
| Transfer from tax-exempt reserves | 789 | €16,864 | €20,799 | +€3,934 | +23.3% |
| Profit (loss) for the period to be appropriated | 9905 | €53,349 | €143,283 | +€89,934 | +169% |
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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.