SNEDIKER - GRAULICH: what changed
What changed
SNEDIKER - GRAULICH
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€91,677
2024 · €67,925+€23,752
Equity
€243,760
2024 · €342,360-€98,600
Cash
€4,792
2024 · €81,910-€77,119
Balance sheet total
€459,323
2024 · €550,389-€91,067
Largest movements
Assets
- Cash -€77,119
down €77,119 (-94.2%), from €81,910 to €4,792
mainly Contributions, distributions and other (-€190,277) and Current portion of long-term debt (-€3,019)
- Tangible fixed assets -€9,979
down €9,979 (-5.8%), from €171,966 to €161,987
of which Land and buildings: -€7,757
Equity and liabilities
- Reserves -€98,500
down €98,500 (-29.3%), from €336,060 to €237,560
- Tax, wage and social debts +€8,396
up €8,396 (+12.7%), from €65,932 to €74,328
of which Remuneration and social security: +€7,390
Income statement
- Gross operating margin +€50,298
up €50,298 (+10.2%), from €494,627 to €544,926
- Staff costs +€24,750
up €24,750 (+6.2%), from €396,085 to €420,836
- Taxes +€7,382
up €7,382 (+30.9%), from €23,886 to €31,268
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
€67,925
Gross operating margin
+€50,298
Staff costs
-€24,750
Depreciation
-€190
Other operating charges
+€3,126
Financial income
+€2,891
Financial charges
-€241
Taxes
-€7,382
Result 2025
€91,677
raises the resultlowers the result
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
+€116,649
Investment
-€473
Financing
-€193,296
Cash 2024
€81,910
From operations (derived)
+€116,649
Net result for the year
+€91,677
Depreciation
+€10,001
Receivables within one year
+€2,088
Deferred charges and accrued income
+€2,331
Trade debts
+€404
Tax, wage and social debts
+€8,396
Other debts
+€1,752
Investment (derived)
-€473
Current investments
-€473
Financing
-€193,296
Current portion of long-term debt
-€3,019
Contributions, distributions and other
-€190,277
Cash 2025
€4,792
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €550,389 | €459,323 | -€91,067 | -16.5% |
| Fixed assets | 21/28 | €173,368 | €163,367 | -€10,001 | -5.8% |
| Intangible fixed assets | 21 | €22 | - | -€22 | |
| Tangible fixed assets | 22/27 | €171,966 | €161,987 | -€9,979 | -5.8% |
| Land and buildings | 22 | €164,859 | €157,102 | -€7,757 | -4.7% |
| Plant, machinery and equipment | 23 | €255 | €0 | -€255 | -100.0% |
| Furniture and vehicles | 24 | €6,852 | €4,885 | -€1,967 | -28.7% |
| Financial fixed assets | 28 | €1,380 | €1,380 | = | 0.0% |
| Current assets | 29/58 | €377,021 | €295,956 | -€81,066 | -21.5% |
| Amounts receivable within one year | 40/41 | €64,580 | €62,492 | -€2,088 | -3.2% |
| Trade receivables | 40 | €35,764 | €37,917 | +€2,152 | +6.0% |
| Other amounts receivable | 41 | €28,816 | €24,575 | -€4,241 | -14.7% |
| Current investments | 50/53 | €202,720 | €203,192 | +€473 | +0.2% |
| Cash at bank and in hand | 54/58 | €81,910 | €4,792 | -€77,119 | -94.2% |
| Deferred charges and accrued income | 490/1 | €27,811 | €25,480 | -€2,331 | -8.4% |
| Total equity and liabilities | 10/49 | €550,389 | €459,323 | -€91,067 | -16.5% |
| Equity | 10/15 | €342,360 | €243,760 | -€98,600 | -28.8% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €336,060 | €237,560 | -€98,500 | -29.3% |
| Distributable reserves | 133 | €336,060 | €237,560 | -€98,500 | -29.3% |
| Profit (loss) carried forward | 14 | €100 | - | -€100 | |
| Amounts payable | 17/49 | €208,030 | €215,563 | +€7,533 | +3.6% |
| Amounts payable within one year | 42/48 | €208,030 | €215,563 | +€7,533 | +3.6% |
| Current portion of amounts payable after more than one year | 42 | €3,019 | - | -€3,019 | |
| Trade debts | 44 | €1,974 | €2,378 | +€404 | +20.5% |
| Suppliers | 440/4 | €1,974 | €2,378 | +€404 | +20.5% |
| Taxes, remuneration and social security | 45 | €65,932 | €74,328 | +€8,396 | +12.7% |
| Taxes | 450/3 | €14,939 | €15,945 | +€1,006 | +6.7% |
| Remuneration and social security | 454/9 | €50,993 | €58,382 | +€7,390 | +14.5% |
| Other amounts payable | 47/48 | €137,105 | €138,857 | +€1,752 | +1.3% |
| Non-recurring operating income | 76A | €23,068 | - | -€23,068 | |
| Remuneration, social security and pensions | 62 | €396,085 | €420,836 | +€24,750 | +6.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €9,811 | €10,001 | +€190 | +1.9% |
| Other operating charges | 640/8 | €5,981 | €2,855 | -€3,126 | -52.3% |
| Gross operating margin | 9900 | €494,627 | €544,926 | +€50,298 | +10.2% |
| Operating profit (loss) | 9901 | €82,750 | €111,234 | +€28,484 | +34.4% |
| Financial income | 75/76B | €8,669 | €11,560 | +€2,891 | +33.3% |
| Recurring financial income | 75 | €8,669 | €11,560 | +€2,891 | +33.3% |
| Financial charges | 65/66B | -€392 | -€151 | +€241 | +61.5% |
| Recurring financial charges | 65 | -€518 | -€151 | +€368 | +70.9% |
| Non-recurring financial charges | 66B | €126 | - | -€126 | |
| Profit (loss) for the period before taxes | 9903 | €91,811 | €122,945 | +€31,134 | +33.9% |
| Income taxes | 67/77 | €23,886 | €31,268 | +€7,382 | +30.9% |
| Profit (loss) for the period | 9904 | €67,925 | €91,677 | +€23,752 | +35.0% |
| Profit (loss) for the period to be appropriated | 9905 | €67,925 | €91,677 | +€23,752 | +35.0% |
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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.