VERRYKEN & CO ASSURANCES: what changed
Two financial 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.
VERRYKEN & CO ASSURANCES
Largest movements
- Cash +€49,699
up €49,699 (+6.2%), from €803,605 to €853,304
mainly Net result for the year (+€108,032) and Other debts (+€29,845)
- Receivables within one year +€11,544
up €11,544 (+25.0%), from €46,169 to €57,713
of which Trade receivables: +€23,615
- Reserves +€34,347
up €34,347 (+5.1%), from €677,876 to €712,223
of which Distributable reserves: +€34,347
- Other debts +€29,845
up €29,845 (+74.3%), from €40,155 to €70,000
- Financial charges +€20,031
up €20,031 (+9,231%), from €217 to €20,248
of which Non-recurring financial charges: +€20,000
- Gross operating margin -€12,713
down €12,713 (-4.5%), from €280,551 to €267,838
- Staff costs +€11,658
up €11,658 (+17.4%), from €66,822 to €78,480
- Taxes -€11,001
down €11,001 (-15.3%), from €72,078 to €61,077
From the 2024 result to the 2025 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.
Derived cash bridge
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €858,556 | €922,992 | +€64,436 | +7.5% |
| Fixed assets | 21/28 | €6,903 | €9,965 | +€3,062 | +44.4% |
| Tangible fixed assets | 22/27 | €3,453 | €6,515 | +€3,062 | +88.7% |
| Plant, machinery and equipment | 23 | €2,951 | €6,117 | +€3,166 | +107% |
| Furniture and vehicles | 24 | €502 | €398 | -€105 | -20.8% |
| Financial fixed assets | 28 | €3,450 | €3,450 | = | 0.0% |
| Current assets | 29/58 | €851,653 | €913,027 | +€61,374 | +7.2% |
| Amounts receivable within one year | 40/41 | €46,169 | €57,713 | +€11,544 | +25.0% |
| Trade receivables | 40 | €5,845 | €29,460 | +€23,615 | +404% |
| Other amounts receivable | 41 | €40,324 | €28,252 | -€12,072 | -29.9% |
| Cash at bank and in hand | 54/58 | €803,605 | €853,304 | +€49,699 | +6.2% |
| Deferred charges and accrued income | 490/1 | €1,879 | €2,010 | +€131 | +7.0% |
| Total equity and liabilities | 10/49 | €858,556 | €922,992 | +€64,436 | +7.5% |
| Equity | 10/15 | €794,468 | €828,815 | +€34,347 | +4.3% |
| Contributions | 10/11 | €22,000 | €22,000 | = | 0.0% |
| Reserves | 13 | €677,876 | €712,223 | +€34,347 | +5.1% |
| Tax-exempt reserves | 132 | €7,000 | €7,000 | = | 0.0% |
| Distributable reserves | 133 | €670,876 | €705,223 | +€34,347 | +5.1% |
| Profit (loss) carried forward | 14 | €94,592 | €94,592 | -€0 | 0.0% |
| Amounts payable | 17/49 | €64,088 | €94,177 | +€30,089 | +46.9% |
| Amounts payable within one year | 42/48 | €64,088 | €94,177 | +€30,089 | +46.9% |
| Trade debts | 44 | €3,269 | €2,334 | -€935 | -28.6% |
| Suppliers | 440/4 | €3,269 | €2,334 | -€935 | -28.6% |
| Taxes, remuneration and social security | 45 | €20,664 | €21,843 | +€1,179 | +5.7% |
| Taxes | 450/3 | €20,664 | €12,641 | -€8,023 | -38.8% |
| Remuneration and social security | 454/9 | - | €9,202 | +€9,202 | |
| Other amounts payable | 47/48 | €40,155 | €70,000 | +€29,845 | +74.3% |
| Remuneration, social security and pensions | 62 | €66,822 | €78,480 | +€11,658 | +17.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,839 | €2,795 | +€956 | +52.0% |
| Other operating charges | 640/8 | €555 | €974 | +€419 | +75.5% |
| Non-recurring operating charges | 66A | €250 | €0 | -€250 | -100% |
| Gross operating margin | 9900 | €280,551 | €267,838 | -€12,713 | -4.5% |
| Operating profit (loss) | 9901 | €211,085 | €185,589 | -€25,496 | -12.1% |
| Financial income | 75/76B | €3,094 | €3,768 | +€674 | +21.8% |
| Recurring financial income | 75 | €3,094 | €3,768 | +€674 | +21.8% |
| Financial charges | 65/66B | €217 | €20,248 | +€20,031 | +9,231% |
| Recurring financial charges | 65 | €217 | €248 | +€31 | +14.4% |
| Non-recurring financial charges | 66B | - | €20,000 | +€20,000 | |
| Profit (loss) for the period before taxes | 9903 | €213,962 | €169,109 | -€44,853 | -21.0% |
| Income taxes | 67/77 | €72,078 | €61,077 | -€11,001 | -15.3% |
| Profit (loss) for the period | 9904 | €141,884 | €108,032 | -€33,852 | -23.9% |
| Profit (loss) for the period to be appropriated | 9905 | €141,884 | €108,032 | -€33,852 | -23.9% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 26 October 2026 via checked.be.