SLIM-VERZEKERD: 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.
SLIM-VERZEKERD
Largest movements
- Intangible fixed assets -€118,276
down €118,276 (-12.7%), from €933,452 to €815,176
- Tangible fixed assets -€77,197
down €77,197 (-13.0%), from €593,456 to €516,259
- Receivables within one year +€27,920
up €27,920 (+1,197%), from €2,333 to €30,253
of which Other amounts receivable: +€27,920
- Debts after one year -€85,855
down €85,855 (-7.8%), from €1.1m to €1.0m
- Other debts -€56,199
down €56,199 (-13.1%), from €429,269 to €373,070
- Profit (loss) carried forward -€45,111
down €45,111 (-55.8%), from -€80,828 to -€125,940
- Tax, wage and social debts +€23,308
up €23,308 (+102%), from €22,863 to €46,171
of which Remuneration and social security: +€15,921
- Staff costs +€73,099
up €73,099 (+35.8%), from €204,174 to €277,273
- Gross operating margin +€70,133
up €70,133 (+17.8%), from €393,722 to €463,855
- Depreciation +€22,357
up €22,357 (+12.9%), from €173,116 to €195,473
- Financial charges +€10,083
up €10,083 (+55.6%), from €18,122 to €28,206
From the 2023 result to the 2024 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 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2023 | 2024 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,590,476 | €1,424,606 | -€165,870 | -10.4% |
| Fixed assets | 21/28 | €1,526,908 | €1,331,435 | -€195,473 | -12.8% |
| Intangible fixed assets | 21 | €933,452 | €815,176 | -€118,276 | -12.7% |
| Tangible fixed assets | 22/27 | €593,456 | €516,259 | -€77,197 | -13.0% |
| Land and buildings | 22 | €395,302 | €371,219 | -€24,082 | -6.1% |
| Plant, machinery and equipment | 23 | €132,288 | €101,553 | -€30,735 | -23.2% |
| Furniture and vehicles | 24 | €65,866 | €43,486 | -€22,380 | -34.0% |
| Current assets | 29/58 | €63,568 | €93,171 | +€29,603 | +46.6% |
| Amounts receivable within one year | 40/41 | €2,333 | €30,253 | +€27,920 | +1,197% |
| Trade receivables | 40 | €0 | - | = | |
| Other amounts receivable | 41 | €2,333 | €30,253 | +€27,920 | +1,197% |
| Cash at bank and in hand | 54/58 | €34,000 | €32,922 | -€1,079 | -3.2% |
| Deferred charges and accrued income | 490/1 | €27,235 | €29,996 | +€2,762 | +10.1% |
| Total equity and liabilities | 10/49 | €1,590,476 | €1,424,606 | -€165,870 | -10.4% |
| Equity | 10/15 | -€54,599 | -€99,710 | -€45,111 | -82.6% |
| Contributions | 10/11 | €20,000 | €20,000 | = | 0.0% |
| Reserves | 13 | €6,229 | €6,229 | = | 0.0% |
| Non-distributable reserves | 130/1 | €0 | - | = | |
| Reserves not available under the articles | 1311 | €0 | - | = | |
| Distributable reserves | 133 | €6,229 | €6,229 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€80,828 | -€125,940 | -€45,111 | -55.8% |
| Amounts payable | 17/49 | €1,645,075 | €1,524,316 | -€120,759 | -7.3% |
| Amounts payable after more than one year | 17 | €1,098,539 | €1,012,684 | -€85,855 | -7.8% |
| Financial debts | 170/4 | €1,098,539 | €1,012,684 | -€85,855 | -7.8% |
| Amounts payable within one year | 42/48 | €546,536 | €511,632 | -€34,904 | -6.4% |
| Current portion of amounts payable after more than one year | 42 | €88,744 | €84,613 | -€4,131 | -4.7% |
| Trade debts | 44 | €5,660 | €7,779 | +€2,118 | +37.4% |
| Suppliers | 440/4 | €5,660 | €7,779 | +€2,118 | +37.4% |
| Taxes, remuneration and social security | 45 | €22,863 | €46,171 | +€23,308 | +102% |
| Taxes | 450/3 | €733 | €8,120 | +€7,387 | +1,008% |
| Remuneration and social security | 454/9 | €22,130 | €38,051 | +€15,921 | +71.9% |
| Other amounts payable | 47/48 | €429,269 | €373,070 | -€56,199 | -13.1% |
| Accrued charges and deferred income | 492/3 | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €204,174 | €277,273 | +€73,099 | +35.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €173,116 | €195,473 | +€22,357 | +12.9% |
| Other operating charges | 640/8 | €6,963 | €7,031 | +€68 | +1.0% |
| Non-recurring operating charges | 66A | €1,739 | €0 | -€1,739 | -100% |
| Gross operating margin | 9900 | €393,722 | €463,855 | +€70,133 | +17.8% |
| Operating profit (loss) | 9901 | €7,731 | -€15,922 | -€23,653 | |
| Financial income | 75/76B | €8 | €8 | -€1 | -8.5% |
| Recurring financial income | 75 | €8 | €8 | -€1 | -8.5% |
| Financial charges | 65/66B | €18,122 | €28,206 | +€10,083 | +55.6% |
| Recurring financial charges | 65 | €18,122 | €28,206 | +€10,083 | +55.6% |
| Profit (loss) for the period before taxes | 9903 | -€10,383 | -€44,120 | -€33,737 | -325% |
| Income taxes | 67/77 | €733 | €991 | +€258 | +35.3% |
| Profit (loss) for the period | 9904 | -€11,116 | -€45,111 | -€33,995 | -306% |
| Profit (loss) for the period to be appropriated | 9905 | -€11,116 | -€45,111 | -€33,995 | -306% |
Source: filed annual accounts (NBB), financial years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 16 October 2026 via checked.be.