Van Huffel Verzekeringen: what changed
Van Huffel Verzekeringen
Largest movements
- Tangible fixed assets +€513,745
up €513,745 (+60.2%), from €853,419 to €1.4m
of which Land and buildings: +€443,456
- Cash +€169,931
up €169,931 (+35.0%), from €485,066 to €654,996
mainly Other debts (+€706,339) and Net result for the year (+€353,675)
- Current investments -€50,374
down €50,374 (-100%), from €50,374 to €0
- Receivables within one year +€47,871
up €47,871 (+248%), from €19,331 to €67,203
of which Other amounts receivable: +€60,098
- Other debts +€706,339
up €706,339 (+754%), from €93,661 to €800,000
- Reserves -€446,325
down €446,325 (-93.4%), from €477,934 to €31,609
of which Distributable reserves: -€446,325
- Debts after one year +€352,337
up €352,337 (+47.2%), from €747,000 to €1.1m
- Tax, wage and social debts +€76,843
up €76,843 (+310%), from €24,827 to €101,670
of which Taxes: +€74,798
- Gross operating margin +€187,861
up €187,861 (+37.0%), from €507,600 to €695,460
- Other operating charges -€146,849
down €146,849 (-98.7%), from €148,739 to €1,889
- Taxes +€74,798
up €74,798 (+140%), from €53,468 to €128,266
- Depreciation +€34,599
up €34,599 (+860%), from €4,024 to €38,623
- Staff costs +€28,842
up €28,842 (+19.7%), from €146,694 to €175,536
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,408,190 | €2,094,820 | +€686,630 | +48.8% |
| Fixed assets | 21/28 | €853,419 | €1,367,164 | +€513,745 | +60.2% |
| Tangible fixed assets | 22/27 | €853,419 | €1,367,164 | +€513,745 | +60.2% |
| Land and buildings | 22 | €830,199 | €1,273,655 | +€443,456 | +53.4% |
| Furniture and vehicles | 24 | €23,220 | €93,510 | +€70,289 | +303% |
| Current assets | 29/58 | €554,771 | €727,656 | +€172,885 | +31.2% |
| Amounts receivable within one year | 40/41 | €19,331 | €67,203 | +€47,871 | +248% |
| Trade receivables | 40 | €19,331 | €7,104 | -€12,227 | -63.3% |
| Other amounts receivable | 41 | €0 | €60,098 | +€60,098 | |
| Current investments | 50/53 | €50,374 | €0 | -€50,374 | -100% |
| Cash at bank and in hand | 54/58 | €485,066 | €654,996 | +€169,931 | +35.0% |
| Deferred charges and accrued income | 490/1 | - | €5,457 | +€5,457 | |
| Total equity and liabilities | 10/49 | €1,408,190 | €2,094,820 | +€686,630 | +48.8% |
| Equity | 10/15 | €540,039 | €93,714 | -€446,325 | -82.6% |
| Contributions | 10/11 | €62,105 | €62,105 | = | 0.0% |
| Capital | 10 | €62,105 | €62,105 | = | 0.0% |
| Issued capital | 100 | €74,500 | €74,500 | = | 0.0% |
| Uncalled capital | 101 | €12,395 | €12,395 | = | 0.0% |
| Reserves | 13 | €477,934 | €31,609 | -€446,325 | -93.4% |
| Non-distributable reserves | 130/1 | €7,450 | €7,450 | = | 0.0% |
| Legal reserve | 130 | €7,450 | €7,450 | = | 0.0% |
| Distributable reserves | 133 | €470,484 | €24,159 | -€446,325 | -94.9% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €868,151 | €2,001,106 | +€1.1m | +131% |
| Amounts payable after more than one year | 17 | €747,000 | €1,099,337 | +€352,337 | +47.2% |
| Financial debts | 170/4 | €747,000 | €1,099,337 | +€352,337 | +47.2% |
| Amounts payable within one year | 42/48 | €121,151 | €901,769 | +€780,618 | +644% |
| Trade debts | 44 | €2,663 | €99 | -€2,564 | -96.3% |
| Suppliers | 440/4 | €2,663 | €99 | -€2,564 | -96.3% |
| Taxes, remuneration and social security | 45 | €24,827 | €101,670 | +€76,843 | +310% |
| Taxes | 450/3 | €8,468 | €83,266 | +€74,798 | +883% |
| Remuneration and social security | 454/9 | €16,359 | €18,404 | +€2,045 | +12.5% |
| Other amounts payable | 47/48 | €93,661 | €800,000 | +€706,339 | +754% |
| Accrued charges and deferred income | 492/3 | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €146,694 | €175,536 | +€28,842 | +19.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €4,024 | €38,623 | +€34,599 | +860% |
| Other operating charges | 640/8 | €148,739 | €1,889 | -€146,849 | -98.7% |
| Gross operating margin | 9900 | €507,600 | €695,460 | +€187,861 | +37.0% |
| Operating profit (loss) | 9901 | €208,143 | €479,412 | +€271,269 | +130% |
| Financial income | 75/76B | €9,631 | €3,783 | -€5,848 | -60.7% |
| Recurring financial income | 75 | €9,631 | €3,783 | -€5,848 | -60.7% |
| Financial charges | 65/66B | €1,747 | €1,254 | -€493 | -28.2% |
| Recurring financial charges | 65 | €1,747 | €1,254 | -€493 | -28.2% |
| Profit (loss) for the period before taxes | 9903 | €216,027 | €481,942 | +€265,914 | +123% |
| Income taxes | 67/77 | €53,468 | €128,266 | +€74,798 | +140% |
| Profit (loss) for the period | 9904 | €162,560 | €353,675 | +€191,116 | +118% |
| Profit (loss) for the period to be appropriated | 9905 | €162,560 | €353,675 | +€191,116 | +118% |
Next steps
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 8 November 2026 via checked.be.