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VANPASSEL: what changed

Two fiscal 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.

What changed

VANPASSEL

BE 0838.970.024
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€24,658
2024 · €2,175+€22,483
Equity
€59,553
2024 · €34,895+€24,658
Cash
€69,021
2024 · €42,839+€26,183
Balance sheet total
€85,655
2024 · €69,790+€15,865

Largest movements

2024 to 2025
Assets
  • Cash +€26,183

    up €26,183 (+61.1%), from €42,839 to €69,021

    mainly Net result for the year (+€24,658) and Depreciation (+€10,673)

  • Tangible fixed assets -€9,504

    down €9,504 (-77.3%), from €12,292 to €2,788

    of which Furniture and vehicles: -€9,384

  • Deferred charges and accrued income -€1,100

    down €1,100 (-53.4%), from €2,059 to €959

Equity and liabilities
  • Reserves +€24,658

    up €24,658 (+95.4%), from €25,860 to €50,518

    of which Distributable reserves: +€24,658

  • Debts after one year -€11,016

    down €11,016 (-100.0%), from €11,016 to €0

  • Tax, wage and social debts +€5,382

    up €5,382 (+74.9%), from €7,190 to €12,572

    of which Taxes: +€3,377

  • Current portion of long-term debt -€3,495

    down €3,495 (-24.1%), from €14,511 to €11,016

Income statement
  • Gross operating margin +€18,946

    up €18,946 (+22.6%), from €83,753 to €102,700

  • Depreciation -€11,593

    down €11,593 (-52.1%), from €22,266 to €10,673

  • Taxes +€5,463

    up €5,463 (+1319.2%), from €414 to €5,877

  • Other operating charges +€1,801

    up €1,801 (+65.9%), from €2,732 to €4,533

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 €2,175
Gross operating margin +€18,946
Staff costs -€992
Depreciation +€11,593
Other operating charges -€1,801
Financial charges +€199
Taxes -€5,463
Result 2025 €24,658

Cash bridge derived

cash 2024 to 2025

Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations +€41,863
Investment -€1,169
Financing -€14,511
Cash 2024 €42,839
Net result for the year +€24,658
Depreciation +€10,673
Receivables within one year -€286
Deferred charges and accrued income +€1,100
Trade debts +€86
Tax, wage and social debts +€5,382
Other debts +€250
Investment in fixed assets (net) -€1,169
Debts after one year -€11,016
Current portion of long-term debt -€3,495
Cash 2025 €69,021
Every line side by side 43 lines
Line Code 2024 2025 Change %
Total assets 20/58 €69,790 €85,655 +€15,865 +22.7%
Fixed assets 21/28 €12,292 €2,788 -€9,504 -77.3%
Tangible fixed assets 22/27 €12,292 €2,788 -€9,504 -77.3%
Land and buildings 22 €2,085 €1,965 -€120 -5.7%
Furniture and vehicles 24 €10,207 €823 -€9,384 -91.9%
Current assets 29/58 €57,498 €82,866 +€25,368 +44.1%
Amounts receivable within one year 40/41 €12,600 €12,886 +€286 +2.3%
Trade receivables 40 €12,600 €12,886 +€286 +2.3%
Other amounts receivable 41 €0 - =
Cash at bank and in hand 54/58 €42,839 €69,021 +€26,183 +61.1%
Deferred charges and accrued income 490/1 €2,059 €959 -€1,100 -53.4%
Total equity and liabilities 10/49 €69,790 €85,655 +€15,865 +22.7%
Equity 10/15 €34,895 €59,553 +€24,658 +70.7%
Contributions 10/11 €6,200 €6,200 = 0.0%
Reserves 13 €25,860 €50,518 +€24,658 +95.4%
Non-distributable reserves 130/1 €1,860 €1,860 = 0.0%
Reserves not available under the articles 1311 €1,860 €1,860 = 0.0%
Distributable reserves 133 €24,000 €48,658 +€24,658 +102.7%
Profit (loss) carried forward 14 €2,835 €2,835 = 0.0%
Amounts payable 17/49 €34,895 €26,102 -€8,793 -25.2%
Amounts payable after more than one year 17 €11,016 €0 -€11,016 -100.0%
Financial debts 170/4 €11,016 €0 -€11,016 -100.0%
Amounts payable within one year 42/48 €23,879 €26,102 +€2,223 +9.3%
Current portion of amounts payable after more than one year 42 €14,511 €11,016 -€3,495 -24.1%
Trade debts 44 €1,773 €1,858 +€86 +4.8%
Suppliers 440/4 €1,773 €1,858 +€86 +4.8%
Taxes, remuneration and social security 45 €7,190 €12,572 +€5,382 +74.9%
Taxes 450/3 €414 €3,792 +€3,377 +815.5%
Remuneration and social security 454/9 €6,776 €8,780 +€2,004 +29.6%
Other amounts payable 47/48 €405 €655 +€250 +61.8%
Remuneration, social security and pensions 62 €55,514 €56,506 +€992 +1.8%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €22,266 €10,673 -€11,593 -52.1%
Other operating charges 640/8 €2,732 €4,533 +€1,801 +65.9%
Gross operating margin 9900 €83,753 €102,700 +€18,946 +22.6%
Operating profit (loss) 9901 €3,242 €30,988 +€27,746 +855.9%
Financial income 75/76B €0 - =
Recurring financial income 75 €0 - =
Financial charges 65/66B €652 €453 -€199 -30.6%
Recurring financial charges 65 €652 €453 -€199 -30.6%
Profit (loss) for the period before taxes 9903 €2,590 €30,535 +€27,946 +1079.1%
Income taxes 67/77 €414 €5,877 +€5,463 +1319.2%
Profit (loss) for the period 9904 €2,175 €24,658 +€22,483 +1033.4%
Profit (loss) for the period to be appropriated 9905 €2,175 €24,658 +€22,483 +1033.4%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 28 September 2026 via checked.be.