VAN LOO - PEETERMANS VERZEKERINGEN: what changed
VAN LOO - PEETERMANS VERZEKERINGEN
Largest movements
- Intangible fixed assets +€546,300
new in 2025: €546,300
- Receivables within one year +€34,673
up €34,673 (+6.8%), from €509,418 to €544,091
of which Trade receivables: +€29,500
- Cash +€20,833
up €20,833 (+24.2%), from €86,072 to €106,905
mainly Debts after one year (+€510,371) and Net result for the year (+€156,845)
- Tangible fixed assets +€19,918
up €19,918 (+4.5%), from €445,575 to €465,493
of which Other tangible fixed assets: +€13,342
- Debts after one year +€510,371
up €510,371 (+844%), from €60,460 to €570,831
- Reserves +€156,845
up €156,845 (+20.3%), from €772,554 to €929,399
- Other debts -€100,000
down €100,000 (-97.2%), from €102,886 to €2,886
- Current portion of long-term debt +€21,856
up €21,856 (+48.8%), from €44,745 to €66,601
- Trade debts +€19,970
up €19,970 (+73.1%), from €27,329 to €47,299
- Gross operating margin +€209,241
up €209,241 (+34.9%), from €599,857 to €809,098
- Staff costs +€141,466
up €141,466 (+47.9%), from €295,631 to €437,098
- Depreciation +€83,763
up €83,763 (+158%), from €53,126 to €136,889
- Financial charges +€13,516
up €13,516 (+466%), from €2,901 to €16,417
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 | €1,055,290 | €1,676,348 | +€621,058 | +58.9% |
| Fixed assets | 21/28 | €445,575 | €1,011,793 | +€566,218 | +127% |
| Intangible fixed assets | 21 | - | €546,300 | +€546,300 | |
| Tangible fixed assets | 22/27 | €445,575 | €465,493 | +€19,918 | +4.5% |
| Plant, machinery and equipment | 23 | €12,118 | €6,974 | -€5,144 | -42.5% |
| Furniture and vehicles | 24 | €50,435 | €62,155 | +€11,720 | +23.2% |
| Other tangible fixed assets | 26 | €383,022 | €396,365 | +€13,342 | +3.5% |
| Current assets | 29/58 | €609,714 | €664,555 | +€54,840 | +9.0% |
| Amounts receivable within one year | 40/41 | €509,418 | €544,091 | +€34,673 | +6.8% |
| Trade receivables | 40 | €84,875 | €114,375 | +€29,500 | +34.8% |
| Other amounts receivable | 41 | €424,543 | €429,716 | +€5,173 | +1.2% |
| Cash at bank and in hand | 54/58 | €86,072 | €106,905 | +€20,833 | +24.2% |
| Deferred charges and accrued income | 490/1 | €14,224 | €13,559 | -€666 | -4.7% |
| Total equity and liabilities | 10/49 | €1,055,290 | €1,676,348 | +€621,058 | +58.9% |
| Equity | 10/15 | €791,154 | €947,999 | +€156,845 | +19.8% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €772,554 | €929,399 | +€156,845 | +20.3% |
| Distributable reserves | 133 | €772,554 | €929,399 | +€156,845 | +20.3% |
| Profit (loss) carried forward | 14 | €0 | - | = | |
| Amounts payable | 17/49 | €264,135 | €728,349 | +€464,214 | +176% |
| Amounts payable after more than one year | 17 | €60,460 | €570,831 | +€510,371 | +844% |
| Financial debts | 170/4 | €60,460 | €570,831 | +€510,371 | +844% |
| Amounts payable within one year | 42/48 | €203,675 | €157,518 | -€46,157 | -22.7% |
| Current portion of amounts payable after more than one year | 42 | €44,745 | €66,601 | +€21,856 | +48.8% |
| Trade debts | 44 | €27,329 | €47,299 | +€19,970 | +73.1% |
| Suppliers | 440/4 | €27,329 | €47,299 | +€19,970 | +73.1% |
| Taxes, remuneration and social security | 45 | €28,715 | €40,732 | +€12,017 | +41.8% |
| Taxes | 450/3 | €1,053 | €0 | -€1,053 | -100% |
| Remuneration and social security | 454/9 | €27,662 | €40,732 | +€13,070 | +47.3% |
| Other amounts payable | 47/48 | €102,886 | €2,886 | -€100,000 | -97.2% |
| Remuneration, social security and pensions | 62 | €295,631 | €437,098 | +€141,466 | +47.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €53,126 | €136,889 | +€83,763 | +158% |
| Other operating charges | 640/8 | €1,512 | €1,747 | +€234 | +15.5% |
| Non-recurring operating charges | 66A | €16,227 | €277 | -€15,950 | -98.3% |
| Gross operating margin | 9900 | €599,857 | €809,098 | +€209,241 | +34.9% |
| Operating profit (loss) | 9901 | €233,361 | €233,089 | -€272 | -0.1% |
| Financial income | 75/76B | €426 | €0 | -€426 | -100.0% |
| Recurring financial income | 75 | €426 | €0 | -€426 | -100.0% |
| Financial charges | 65/66B | €2,901 | €16,417 | +€13,516 | +466% |
| Recurring financial charges | 65 | €2,901 | €16,417 | +€13,516 | +466% |
| Profit (loss) for the period before taxes | 9903 | €230,887 | €216,672 | -€14,215 | -6.2% |
| Income taxes | 67/77 | €61,053 | €59,827 | -€1,226 | -2.0% |
| Profit (loss) for the period | 9904 | €169,833 | €156,845 | -€12,989 | -7.6% |
| Profit (loss) for the period to be appropriated | 9905 | €169,833 | €156,845 | -€12,989 | -7.6% |
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 2 November 2026 via checked.be.