VERREZEN: what changed
What changed
VERREZEN
NACE 66.191, Agents and brokers in banking services
filed annual accounts (NBB)
Net result for the year
€476,851
2024 · €595,739-€118,888
Equity
€215,618
2024 · €188,767+€26,851
Cash
€234,472
2024 · €332,174-€97,701
Balance sheet total
€852,427
2024 · €1.1m-€203,377
Largest movements
Assets
- Tangible fixed assets -€108,781
down €108,781 (-28.0%), from €388,292 to €279,510
of which Furniture and vehicles: -€101,776
- Cash -€97,701
down €97,701 (-29.4%), from €332,174 to €234,472
mainly Contributions, distributions and other (-€450,000) and Other debts (-€207,497)
Equity and liabilities
- Other debts -€207,497
down €207,497 (-29.9%), from €694,977 to €487,480
- Debts after one year -€29,314
down €29,314 (-60.9%), from €48,119 to €18,806
- Profit (loss) carried forward +€26,851
up €26,851 (+22.3%), from €120,567 to €147,418
- Trade debts +€24,209
up €24,209 (+66.1%), from €36,642 to €60,851
Income statement
- Gross operating margin -€129,890
down €129,890 (-11.4%), from €1.1m to €1.0m
- Staff costs -€21,825
down €21,825 (-5.5%), from €400,436 to €378,610
- Financial income -€18,517
down €18,517 (-99.3%), from €18,641 to €124
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
€595,739
Gross operating margin
-€129,890
Staff costs
+€21,825
Depreciation
+€5,019
Other operating charges
-€2,675
Other operating items
-€4,895
Financial income
-€18,517
Financial charges
+€219
Taxes
+€10,026
Result 2025
€476,851
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
+€389,742
Investment
-€457
Financing
-€486,986
Cash 2024
€332,174
From operations (derived)
+€389,742
Net result for the year
+€476,851
Depreciation
+€109,239
Smaller working-capital items
+€1,167
Deferred charges and accrued income
-€4,245
Trade debts
+€24,209
Tax, wage and social debts
-€9,981
Other debts
-€207,497
Investment (derived)
-€457
Investment in fixed assets (net)
-€457
Financing
-€486,986
Debts after one year
-€29,314
Current portion of long-term debt
-€7,673
Contributions, distributions and other
-€450,000
Cash 2025
€234,472
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,055,805 | €852,427 | -€203,377 | -19.3% |
| Fixed assets | 21/28 | €388,292 | €279,510 | -€108,781 | -28.0% |
| Tangible fixed assets | 22/27 | €388,292 | €279,510 | -€108,781 | -28.0% |
| Plant, machinery and equipment | 23 | €836 | €663 | -€173 | -20.7% |
| Furniture and vehicles | 24 | €217,257 | €115,482 | -€101,776 | -46.8% |
| Other tangible fixed assets | 26 | €170,198 | €163,365 | -€6,832 | -4.0% |
| Current assets | 29/58 | €667,513 | €572,917 | -€94,596 | -14.2% |
| Amounts receivable within one year | 40/41 | €1,355 | €216 | -€1,139 | -84.1% |
| Other amounts receivable | 41 | €1,355 | €216 | -€1,139 | -84.1% |
| Current investments | 50/53 | €300,000 | €300,000 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €332,174 | €234,472 | -€97,701 | -29.4% |
| Deferred charges and accrued income | 490/1 | €33,985 | €38,229 | +€4,245 | +12.5% |
| Total equity and liabilities | 10/49 | €1,055,805 | €852,427 | -€203,377 | -19.3% |
| Equity | 10/15 | €188,767 | €215,618 | +€26,851 | +14.2% |
| Contributions | 10/11 | €62,000 | €62,000 | = | 0.0% |
| Capital | 10 | €62,000 | €62,000 | = | 0.0% |
| Issued capital | 100 | €62,000 | €62,000 | = | 0.0% |
| Reserves | 13 | €6,200 | €6,200 | = | 0.0% |
| Non-distributable reserves | 130/1 | €6,200 | €6,200 | = | 0.0% |
| Legal reserve | 130 | €6,200 | €6,200 | = | 0.0% |
| Distributable reserves | 133 | €0 | - | = | |
| Profit (loss) carried forward | 14 | €120,567 | €147,418 | +€26,851 | +22.3% |
| Amounts payable | 17/49 | €867,038 | €636,810 | -€230,228 | -26.6% |
| Amounts payable after more than one year | 17 | €48,119 | €18,806 | -€29,314 | -60.9% |
| Financial debts | 170/4 | €48,119 | €18,806 | -€29,314 | -60.9% |
| Amounts payable within one year | 42/48 | €818,918 | €617,977 | -€200,942 | -24.5% |
| Current portion of amounts payable after more than one year | 42 | €36,986 | €29,314 | -€7,673 | -20.7% |
| Trade debts | 44 | €36,642 | €60,851 | +€24,209 | +66.1% |
| Suppliers | 440/4 | €36,642 | €60,851 | +€24,209 | +66.1% |
| Taxes, remuneration and social security | 45 | €50,313 | €40,332 | -€9,981 | -19.8% |
| Taxes | 450/3 | €6,107 | €1,279 | -€4,828 | -79.1% |
| Remuneration and social security | 454/9 | €44,206 | €39,053 | -€5,153 | -11.7% |
| Other amounts payable | 47/48 | €694,977 | €487,480 | -€207,497 | -29.9% |
| Accrued charges and deferred income | 492/3 | €0 | €27 | +€27 | |
| Non-recurring operating income | 76A | - | €6,983 | +€6,983 | |
| Remuneration, social security and pensions | 62 | €400,436 | €378,610 | -€21,825 | -5.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €114,258 | €109,239 | -€5,019 | -4.4% |
| Other operating charges | 640/8 | €9,500 | €12,175 | +€2,675 | +28.2% |
| Non-recurring operating charges | 66A | - | €4,895 | +€4,895 | |
| Gross operating margin | 9900 | €1,134,863 | €1,004,972 | -€129,890 | -11.4% |
| Operating profit (loss) | 9901 | €610,669 | €500,053 | -€110,616 | -18.1% |
| Financial income | 75/76B | €18,641 | €124 | -€18,517 | -99.3% |
| Recurring financial income | 75 | €18,641 | €124 | -€18,517 | -99.3% |
| Financial charges | 65/66B | €2,266 | €2,046 | -€219 | -9.7% |
| Recurring financial charges | 65 | €2,266 | €2,046 | -€219 | -9.7% |
| Profit (loss) for the period before taxes | 9903 | €627,044 | €498,130 | -€128,914 | -20.6% |
| Income taxes | 67/77 | €31,305 | €21,279 | -€10,026 | -32.0% |
| Profit (loss) for the period | 9904 | €595,739 | €476,851 | -€118,888 | -20.0% |
| Profit (loss) for the period to be appropriated | 9905 | €595,739 | €476,851 | -€118,888 | -20.0% |
Next steps
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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 7 November 2026 via checked.be.