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Vddries: 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

Vddries

BE 0843.572.079
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€5,307
2024 · -€4,544+€9,851
Equity
€43,924
2024 · €38,616+€5,307
Cash
€10,101
2024 · €16,416-€6,315
Balance sheet total
€241,052
2024 · €267,677-€26,625

Largest movements

2024 to 2025
Assets
  • Intangible fixed assets -€18,750

    down €18,750 (-17.6%), from €106,479 to €87,729

  • Cash -€6,315

    down €6,315 (-38.5%), from €16,416 to €10,101

    mainly Debts after one year (-€31,695) and Short-term financial debts (-€9,402)

  • Tangible fixed assets -€6,240

    down €6,240 (-4.9%), from €127,371 to €121,131

    of which Land and buildings: -€3,246

Equity and liabilities
  • Debts after one year -€31,695

    down €31,695 (-18.5%), from €171,047 to €139,351

  • Short-term financial debts -€9,402

    down €9,402 (-84.3%), from €11,152 to €1,750

  • Current portion of long-term debt +€7,617

    up €7,617 (+22.2%), from €34,339 to €41,956

  • Profit (loss) carried forward +€5,307

    up €5,307 (+13.7%), from €38,616 to €43,924

Income statement
  • Depreciation -€35,693

    down €35,693 (-56.2%), from €63,558 to €27,865

  • Gross operating margin -€15,114

    down €15,114 (-12.9%), from €117,314 to €102,200

  • Other operating charges +€9,004

    up €9,004 (+297.6%), from €3,026 to €12,029

  • Staff costs +€4,930

    up €4,930 (+12.2%), from €40,541 to €45,471

  • Taxes -€2,769

    down €2,769 (-34.7%), from €7,968 to €5,199

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 -€4,544
Gross operating margin -€15,114
Staff costs -€4,930
Depreciation +€35,693
Other operating charges -€9,004
Financial income +€100
Financial charges +€338
Taxes +€2,769
Result 2025 €5,307

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 +€30,040
Investment -€2,875
Financing -€33,481
Cash 2024 €16,416
Net result for the year +€5,307
Depreciation +€27,865
Receivables within one year -€2,591
Deferred charges and accrued income -€2,089
Trade debts -€615
Tax, wage and social debts +€2,189
Accrued charges and deferred income -€25
Investment in fixed assets (net) -€2,875
Debts after one year -€31,695
Current portion of long-term debt +€7,617
Short-term financial debts -€9,402
Cash 2025 €10,101
Every line side by side 42 lines
Line Code 2024 2025 Change %
Total assets 20/58 €267,677 €241,052 -€26,625 -9.9%
Fixed assets 21/28 €234,040 €209,050 -€24,990 -10.7%
Intangible fixed assets 21 €106,479 €87,729 -€18,750 -17.6%
Tangible fixed assets 22/27 €127,371 €121,131 -€6,240 -4.9%
Land and buildings 22 €12,634 €9,388 -€3,246 -25.7%
Furniture and vehicles 24 €114,736 €111,743 -€2,994 -2.6%
Financial fixed assets 28 €190 €190 = 0.0%
Current assets 29/58 €33,636 €32,002 -€1,635 -4.9%
Amounts receivable within one year 40/41 €7,172 €9,764 +€2,591 +36.1%
Other amounts receivable 41 €7,172 €9,764 +€2,591 +36.1%
Cash at bank and in hand 54/58 €16,416 €10,101 -€6,315 -38.5%
Deferred charges and accrued income 490/1 €10,048 €12,137 +€2,089 +20.8%
Total equity and liabilities 10/49 €267,677 €241,052 -€26,625 -9.9%
Equity 10/15 €38,616 €43,924 +€5,307 +13.7%
Profit (loss) carried forward 14 €38,616 €43,924 +€5,307 +13.7%
Amounts payable 17/49 €229,060 €197,128 -€31,932 -13.9%
Amounts payable after more than one year 17 €171,047 €139,351 -€31,695 -18.5%
Financial debts 170/4 €171,047 €139,351 -€31,695 -18.5%
Amounts payable within one year 42/48 €57,989 €57,777 -€212 -0.4%
Current portion of amounts payable after more than one year 42 €34,339 €41,956 +€7,617 +22.2%
Financial debts 43 €11,152 €1,750 -€9,402 -84.3%
Other loans 439 €11,152 €1,750 -€9,402 -84.3%
Trade debts 44 €3,240 €2,625 -€615 -19.0%
Suppliers 440/4 €3,240 €2,625 -€615 -19.0%
Taxes, remuneration and social security 45 €9,258 €11,446 +€2,189 +23.6%
Taxes 450/3 €2,558 €2,621 +€63 +2.5%
Remuneration and social security 454/9 €6,700 €8,825 +€2,125 +31.7%
Other amounts payable 47/48 €0 - =
Accrued charges and deferred income 492/3 €25 - -€25
Remuneration, social security and pensions 62 €40,541 €45,471 +€4,930 +12.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €63,558 €27,865 -€35,693 -56.2%
Other operating charges 640/8 €3,026 €12,029 +€9,004 +297.6%
Gross operating margin 9900 €117,314 €102,200 -€15,114 -12.9%
Operating profit (loss) 9901 €10,190 €16,835 +€6,645 +65.2%
Financial income 75/76B €301 €400 +€100 +33.1%
Recurring financial income 75 €301 €400 +€100 +33.1%
Financial charges 65/66B €7,067 €6,728 -€338 -4.8%
Recurring financial charges 65 €7,067 €6,728 -€338 -4.8%
Profit (loss) for the period before taxes 9903 €3,424 €10,507 +€7,083 +206.9%
Income taxes 67/77 €7,968 €5,199 -€2,769 -34.7%
Profit (loss) for the period 9904 -€4,544 €5,307 +€9,851
Profit (loss) for the period to be appropriated 9905 -€4,544 €5,307 +€9,851

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 30 September 2026 via checked.be.