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Servitium: 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.

What changed

Servitium

BE 0871.218.465
NACE 66.220, Insurance agents and brokers
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€10,903
2024 · -€13,540+€24,443
Equity
€38,292
2024 · €27,390+€10,903
Cash
€20,067
2024 · €15,556+€4,511
Balance sheet total
€45,824
2024 · €39,565+€6,259

Largest movements

2024 to 2025
Assets
  • Receivables within one year +€6,513

    up €6,513 (+283%), from €2,300 to €8,813

  • Tangible fixed assets -€4,652

    down €4,652 (-23.9%), from €19,447 to €14,795

  • Cash +€4,511

    up €4,511 (+29.0%), from €15,556 to €20,067

    mainly Net result for the year (+€10,903) and Depreciation (+€7,521)

Equity and liabilities
  • Profit (loss) carried forward +€10,903

    up €10,903 (+23.9%), from -€45,612 to -€34,709

  • Debts after one year -€2,899

    no longer reported in 2025 (was €2,899)

  • Current portion of long-term debt -€2,511

    down €2,511 (-37.3%), from €6,725 to €4,214

  • Other debts +€1,071

    up €1,071 (+410%), from €261 to €1,332

Income statement
  • Gross operating margin +€30,118

    up €30,118, from -€8,714 to €21,403

  • Depreciation +€4,975

    up €4,975 (+195%), from €2,546 to €7,521

  • Financial income -€414

    no longer reported in 2025 (was €414)

  • Other operating charges +€370

    up €370 (+24.8%), from €1,494 to €1,864

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 -€13,540
Gross operating margin +€30,118
Depreciation -€4,975
Other operating charges -€370
Financial income -€414
Financial charges +€86
Taxes -€2
Result 2025 €10,903
raises the resultlowers the result

Derived cash bridge

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 +€12,791
Investment -€2,869
Financing -€5,410
Cash 2024 €15,556
Net result for the year +€10,903
Depreciation +€7,521
Receivables within one year -€6,513
Deferred charges and accrued income +€114
Trade debts -€307
Tax, wage and social debts +€2
Other debts +€1,071
Investment in fixed assets (net) -€2,869
Debts after one year -€2,899
Current portion of long-term debt -€2,511
Cash 2025 €20,067
brings cash intakes cash out
Every line side by side 38 lines
Line Code 2024 2025 Change %
Total assets 20/58 €39,565 €45,824 +€6,259 +15.8%
Fixed assets 21/28 €19,733 €15,081 -€4,652 -23.6%
Tangible fixed assets 22/27 €19,447 €14,795 -€4,652 -23.9%
Furniture and vehicles 24 €19,447 €14,795 -€4,652 -23.9%
Financial fixed assets 28 €286 €286 = 0.0%
Current assets 29/58 €19,831 €30,742 +€10,911 +55.0%
Amounts receivable within one year 40/41 €2,300 €8,813 +€6,513 +283%
Trade receivables 40 €2,300 €8,813 +€6,513 +283%
Cash at bank and in hand 54/58 €15,556 €20,067 +€4,511 +29.0%
Deferred charges and accrued income 490/1 €1,976 €1,862 -€114 -5.8%
Total equity and liabilities 10/49 €39,565 €45,824 +€6,259 +15.8%
Equity 10/15 €27,390 €38,292 +€10,903 +39.8%
Contributions 10/11 €18,550 €18,550 = 0.0%
Reserves 13 €54,451 €54,451 = 0.0%
Distributable reserves 133 €54,451 €54,451 = 0.0%
Profit (loss) carried forward 14 -€45,612 -€34,709 +€10,903 +23.9%
Amounts payable 17/49 €12,175 €7,531 -€4,644 -38.1%
Amounts payable after more than one year 17 €2,899 - -€2,899
Financial debts 170/4 €2,899 - -€2,899
Amounts payable within one year 42/48 €9,276 €7,531 -€1,745 -18.8%
Current portion of amounts payable after more than one year 42 €6,725 €4,214 -€2,511 -37.3%
Trade debts 44 €1,656 €1,349 -€307 -18.5%
Suppliers 440/4 €1,656 €1,349 -€307 -18.5%
Taxes, remuneration and social security 45 €634 €636 +€2 +0.4%
Taxes 450/3 €634 €636 +€2 +0.4%
Other amounts payable 47/48 €261 €1,332 +€1,071 +410%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €2,546 €7,521 +€4,975 +195%
Other operating charges 640/8 €1,494 €1,864 +€370 +24.8%
Gross operating margin 9900 -€8,714 €21,403 +€30,118
Operating profit (loss) 9901 -€12,755 €12,018 +€24,773
Financial income 75/76B €414 - -€414
Recurring financial income 75 €414 - -€414
Financial charges 65/66B €565 €479 -€86 -15.2%
Recurring financial charges 65 €565 €479 -€86 -15.2%
Profit (loss) for the period before taxes 9903 -€12,906 €11,539 +€24,445
Income taxes 67/77 €634 €636 +€2 +0.4%
Profit (loss) for the period 9904 -€13,540 €10,903 +€24,443
Profit (loss) for the period to be appropriated 9905 -€13,540 €10,903 +€24,443

Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 27 October 2026 via checked.be.