VANOOST VERZEKERINGEN: what changed
What changed
VANOOST VERZEKERINGEN
filed annual accounts (NBB)
Net result for the year
€380,583
2024 · €83,548+€297,035
Equity
€663,220
2024 · €282,637+€380,583
Cash
€250,652
2024 · €6,154+€244,497
Balance sheet total
€732,177
2024 · €428,350+€303,827
Largest movements
Assets
- Cash +€244,497
up €244,497 (+3,973%), from €6,154 to €250,652
mainly Net result for the year (+€380,583) and Investment in fixed assets (net) (+€43,570)
- Receivables within one year +€124,777
up €124,777 (+51.6%), from €241,666 to €366,443
- Intangible fixed assets -€44,009
no longer reported in 2025 (was €44,009)
- Tangible fixed assets -€21,490
down €21,490 (-33.2%), from €64,804 to €43,313
of which Furniture and vehicles: -€14,954
Equity and liabilities
- Reserves +€380,583
up €380,583 (+140%), from €272,587 to €653,171
of which Distributable reserves: +€380,583
- Debts after one year -€45,487
no longer reported in 2025 (was €45,487)
- Provisions -€32,011
no longer reported in 2025 (was €32,011)
- Tax, wage and social debts +€31,285
up €31,285 (+90.5%), from €34,579 to €65,863
of which Taxes: +€38,094
- Current portion of long-term debt -€21,603
no longer reported in 2025 (was €21,603)
Income statement
- Gross operating margin +€435,982
up €435,982 (+250%), from €174,440 to €610,423
- Taxes +€155,363
up €155,363 (+465%), from €33,379 to €188,742
- Provisions -€32,011
new in 2025: -€32,011
- Staff costs -€21,590
down €21,590 (-78.4%), from €27,550 to €5,960
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
€83,548
Gross operating margin
+€435,982
Staff costs
+€21,590
Depreciation
+€5,682
Provisions
+€32,011
Other operating charges
-€134
Other operating items
-€44,009
Financial income
+€54
Financial charges
+€1,221
Taxes
-€155,363
Result 2025
€380,583
raises the resultlowers the resultnot broken down further in the accounts
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
+€268,229
Investment
+€43,358
Financing
-€67,090
Cash 2024
€6,154
From operations (derived)
+€268,229
Net result for the year
+€380,583
Depreciation
+€21,929
Receivables within one year
-€124,777
Smaller working-capital items
-€254
Provisions
-€32,011
Tax, wage and social debts
+€31,285
Other debts
-€8,527
Investment (derived)
+€43,358
Investment in fixed assets (net)
+€43,570
Current investments
-€212
Financing
-€67,090
Debts after one year
-€45,487
Current portion of long-term debt
-€21,603
Cash 2025
€250,652
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €428,350 | €732,177 | +€303,827 | +70.9% |
| Fixed assets | 21/28 | €122,812 | €57,313 | -€65,499 | -53.3% |
| Intangible fixed assets | 21 | €44,009 | - | -€44,009 | |
| Tangible fixed assets | 22/27 | €64,804 | €43,313 | -€21,490 | -33.2% |
| Land and buildings | 22 | €1,575 | €1,301 | -€274 | -17.4% |
| Plant, machinery and equipment | 23 | €10,073 | €9,364 | -€709 | -7.0% |
| Furniture and vehicles | 24 | €36,492 | €21,539 | -€14,954 | -41.0% |
| Other tangible fixed assets | 26 | €16,663 | €11,109 | -€5,554 | -33.3% |
| Financial fixed assets | 28 | €14,000 | €14,000 | = | 0.0% |
| Current assets | 29/58 | €305,537 | €674,864 | +€369,326 | +121% |
| Amounts receivable within one year | 40/41 | €241,666 | €366,443 | +€124,777 | +51.6% |
| Other amounts receivable | 41 | €241,666 | €366,443 | +€124,777 | +51.6% |
| Current investments | 50/53 | €55,352 | €55,564 | +€212 | +0.4% |
| Cash at bank and in hand | 54/58 | €6,154 | €250,652 | +€244,497 | +3,973% |
| Deferred charges and accrued income | 490/1 | €2,364 | €2,205 | -€159 | -6.7% |
| Total equity and liabilities | 10/49 | €428,350 | €732,177 | +€303,827 | +70.9% |
| Equity | 10/15 | €282,637 | €663,220 | +€380,583 | +135% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Reserves | 13 | €272,587 | €653,171 | +€380,583 | +140% |
| Tax-exempt reserves | 132 | €196 | €196 | = | 0.0% |
| Distributable reserves | 133 | €272,391 | €652,974 | +€380,583 | +140% |
| Profit (loss) carried forward | 14 | €50 | €50 | = | 0.0% |
| Provisions and deferred taxes | 16 | €32,011 | - | -€32,011 | |
| Provisions for liabilities and charges | 160/5 | €32,011 | - | -€32,011 | |
| Pensions and similar obligations | 160 | €32,011 | - | -€32,011 | |
| Amounts payable | 17/49 | €113,701 | €68,956 | -€44,744 | -39.4% |
| Amounts payable after more than one year | 17 | €45,487 | - | -€45,487 | |
| Financial debts | 170/4 | €45,487 | - | -€45,487 | |
| Amounts payable within one year | 42/48 | €68,214 | €68,956 | +€742 | +1.1% |
| Current portion of amounts payable after more than one year | 42 | €21,603 | - | -€21,603 | |
| Trade debts | 44 | €3,506 | €3,093 | -€413 | -11.8% |
| Suppliers | 440/4 | €3,506 | €3,093 | -€413 | -11.8% |
| Taxes, remuneration and social security | 45 | €34,579 | €65,863 | +€31,285 | +90.5% |
| Taxes | 450/3 | €27,770 | €65,863 | +€38,094 | +137% |
| Remuneration and social security | 454/9 | €6,809 | - | -€6,809 | |
| Other amounts payable | 47/48 | €8,527 | - | -€8,527 | |
| Non-recurring operating income | 76A | - | €667,276 | +€667,276 | |
| Remuneration, social security and pensions | 62 | €27,550 | €5,960 | -€21,590 | -78.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €27,611 | €21,929 | -€5,682 | -20.6% |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | - | -€32,011 | -€32,011 | |
| Other operating charges | 640/8 | €696 | €830 | +€134 | +19.2% |
| Non-recurring operating charges | 66A | - | €44,009 | +€44,009 | |
| Gross operating margin | 9900 | €174,440 | €610,423 | +€435,982 | +250% |
| Operating profit (loss) | 9901 | €118,584 | €569,706 | +€451,123 | +380% |
| Financial income | 75/76B | €404 | €458 | +€54 | +13.3% |
| Recurring financial income | 75 | €404 | €458 | +€54 | +13.3% |
| Financial charges | 65/66B | €2,060 | €839 | -€1,221 | -59.3% |
| Recurring financial charges | 65 | €2,060 | €839 | -€1,221 | -59.3% |
| Profit (loss) for the period before taxes | 9903 | €116,928 | €569,325 | +€452,398 | +387% |
| Income taxes | 67/77 | €33,379 | €188,742 | +€155,363 | +465% |
| Profit (loss) for the period | 9904 | €83,548 | €380,583 | +€297,035 | +356% |
| Profit (loss) for the period to be appropriated | 9905 | €83,548 | €380,583 | +€297,035 | +356% |
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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 3 November 2026 via checked.be.