Verzekering BEECKMANS: 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.
Verzekering BEECKMANS
Largest movements
- Cash +€138,547
up €138,547 (+60.9%), from €227,611 to €366,158
mainly Receivables within one year (+€102,545) and Deferred charges and accrued income (+€101,998)
- Tangible fixed assets +€105,021
up €105,021 (+349%), from €30,064 to €135,085
of which Furniture and vehicles: +€101,811
- Receivables within one year -€102,545
down €102,545 (-66.6%), from €153,981 to €51,436
of which Other amounts receivable: -€95,927
- Deferred charges and accrued income -€101,998
down €101,998 (-36.4%), from €280,420 to €178,422
- Trade debts -€97,742
down €97,742 (-92.8%), from €105,372 to €7,630
- Profit (loss) carried forward +€82,339
up €82,339 (+14.6%), from €562,374 to €644,713
- Debts after one year +€38,223
new in 2025: €38,223
- Current portion of long-term debt +€9,458
new in 2025: €9,458
- Gross operating margin +€58,730
up €58,730 (+53.1%), from €110,686 to €169,416
- Staff costs -€16,243
down €16,243 (-21.4%), from €75,989 to €59,746
- Depreciation +€6,630
up €6,630 (+61.6%), from €10,767 to €17,397
- Taxes +€2,736
up €2,736 (+53.9%), from €5,074 to €7,810
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 | €692,076 | €731,101 | +€39,025 | +5.6% |
| Fixed assets | 21/28 | €30,064 | €135,085 | +€105,021 | +349% |
| Tangible fixed assets | 22/27 | €30,064 | €135,085 | +€105,021 | +349% |
| Plant, machinery and equipment | 23 | €6,455 | €9,665 | +€3,210 | +49.7% |
| Furniture and vehicles | 24 | €23,609 | €125,420 | +€101,811 | +431% |
| Current assets | 29/58 | €662,012 | €596,016 | -€65,996 | -10.0% |
| Amounts receivable within one year | 40/41 | €153,981 | €51,436 | -€102,545 | -66.6% |
| Trade receivables | 40 | €57,506 | €50,887 | -€6,619 | -11.5% |
| Other amounts receivable | 41 | €96,475 | €548 | -€95,927 | -99.4% |
| Cash at bank and in hand | 54/58 | €227,611 | €366,158 | +€138,547 | +60.9% |
| Deferred charges and accrued income | 490/1 | €280,420 | €178,422 | -€101,998 | -36.4% |
| Total equity and liabilities | 10/49 | €692,076 | €731,101 | +€39,025 | +5.6% |
| Equity | 10/15 | €586,704 | €669,043 | +€82,339 | +14.0% |
| Contributions | 10/11 | €19,000 | €19,000 | = | 0.0% |
| Revaluation surpluses | 12 | €3,430 | €3,430 | +€0 | 0.0% |
| Reserves | 13 | €1,900 | €1,900 | = | 0.0% |
| Distributable reserves | 133 | €1,900 | €1,900 | = | 0.0% |
| Profit (loss) carried forward | 14 | €562,374 | €644,713 | +€82,339 | +14.6% |
| Amounts payable | 17/49 | €105,372 | €62,058 | -€43,314 | -41.1% |
| Amounts payable after more than one year | 17 | - | €38,223 | +€38,223 | |
| Financial debts | 170/4 | - | €38,223 | +€38,223 | |
| Amounts payable within one year | 42/48 | €105,372 | €17,088 | -€88,284 | -83.8% |
| Current portion of amounts payable after more than one year | 42 | - | €9,458 | +€9,458 | |
| Trade debts | 44 | €105,372 | €7,630 | -€97,742 | -92.8% |
| Suppliers | 440/4 | €105,372 | €7,630 | -€97,742 | -92.8% |
| Accrued charges and deferred income | 492/3 | - | €6,747 | +€6,747 | |
| Remuneration, social security and pensions | 62 | €75,989 | €59,746 | -€16,243 | -21.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €10,767 | €17,397 | +€6,630 | +61.6% |
| Other operating charges | 640/8 | €614 | €926 | +€312 | +50.8% |
| Gross operating margin | 9900 | €110,686 | €169,416 | +€58,730 | +53.1% |
| Operating profit (loss) | 9901 | €23,316 | €91,346 | +€68,030 | +292% |
| Financial charges | 65/66B | €464 | €1,198 | +€734 | +158% |
| Recurring financial charges | 65 | €464 | €1,198 | +€734 | +158% |
| Profit (loss) for the period before taxes | 9903 | €22,852 | €90,148 | +€67,296 | +294% |
| Income taxes | 67/77 | €5,074 | €7,810 | +€2,736 | +53.9% |
| Profit (loss) for the period | 9904 | €17,778 | €82,338 | +€64,560 | +363% |
| Profit (loss) for the period to be appropriated | 9905 | €17,778 | €82,338 | +€64,560 | +363% |
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 23 October 2026 via checked.be.