Verzekeringen 2660: 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.
Verzekeringen 2660
Largest movements
- Receivables within one year +€26,154
up €26,154 (+31.9%), from €82,021 to €108,175
of which Trade receivables: +€28,989
- Cash -€6,067
down €6,067 (-36.8%), from €16,468 to €10,401
mainly Debts after one year (-€30,393) and Receivables within one year (-€26,154)
- Tangible fixed assets +€5,104
up €5,104 (+47.5%), from €10,749 to €15,853
of which Furniture and vehicles: +€7,778
- Reserves +€45,610
up €45,610 (+32.2%), from €141,577 to €187,187
- Debts after one year -€30,393
down €30,393 (-36.1%), from €84,198 to €53,805
- Accrued charges and deferred income +€9,798
up €9,798 (+49.0%), from €20,000 to €29,798
- Other debts +€5,079
up €5,079 (+3.4%), from €151,531 to €156,610
- Gross operating margin +€27,810
up €27,810 (+21.0%), from €132,218 to €160,027
- Taxes +€4,596
up €4,596 (+40.0%), from €11,496 to €16,092
- Staff costs -€4,530
down €4,530 (-5.2%), from €87,174 to €82,644
- Financial charges +€3,811
up €3,811 (+58.5%), from €6,511 to €10,322
of which Non-recurring financial charges: +€5,039
- Depreciation +€1,689
up €1,689 (+52.7%), from €3,207 to €4,896
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 | €472,649 | €498,997 | +€26,347 | +5.6% |
| Fixed assets | 21/28 | €373,249 | €378,353 | +€5,104 | +1.4% |
| Intangible fixed assets | 21 | €362,500 | €362,500 | = | 0.0% |
| Tangible fixed assets | 22/27 | €10,749 | €15,853 | +€5,104 | +47.5% |
| Plant, machinery and equipment | 23 | €1,097 | €679 | -€419 | -38.2% |
| Furniture and vehicles | 24 | - | €7,778 | +€7,778 | |
| Other tangible fixed assets | 26 | €9,652 | €7,397 | -€2,255 | -23.4% |
| Current assets | 29/58 | €99,400 | €120,643 | +€21,243 | +21.4% |
| Amounts receivable within one year | 40/41 | €82,021 | €108,175 | +€26,154 | +31.9% |
| Trade receivables | 40 | €64,402 | €93,391 | +€28,989 | +45.0% |
| Other amounts receivable | 41 | €17,619 | €14,784 | -€2,835 | -16.1% |
| Cash at bank and in hand | 54/58 | €16,468 | €10,401 | -€6,067 | -36.8% |
| Deferred charges and accrued income | 490/1 | €912 | €2,068 | +€1,156 | +127% |
| Total equity and liabilities | 10/49 | €472,649 | €498,997 | +€26,347 | +5.6% |
| Equity | 10/15 | €162,393 | €208,003 | +€45,610 | +28.1% |
| Contributions | 10/11 | €20,816 | €20,816 | = | 0.0% |
| Reserves | 13 | €141,577 | €187,187 | +€45,610 | +32.2% |
| Distributable reserves | 133 | €141,577 | €187,187 | +€45,610 | +32.2% |
| Amounts payable | 17/49 | €310,257 | €290,994 | -€19,263 | -6.2% |
| Amounts payable after more than one year | 17 | €84,198 | €53,805 | -€30,393 | -36.1% |
| Financial debts | 170/4 | €84,198 | €53,805 | -€30,393 | -36.1% |
| Amounts payable within one year | 42/48 | €206,059 | €207,391 | +€1,332 | +0.6% |
| Current portion of amounts payable after more than one year | 42 | €31,517 | €30,393 | -€1,125 | -3.6% |
| Financial debts | 43 | €2,543 | €2,535 | -€8 | -0.3% |
| Credit institutions | 430/8 | €2,543 | €2,535 | -€8 | -0.3% |
| Trade debts | 44 | €7,445 | €4,245 | -€3,200 | -43.0% |
| Suppliers | 440/4 | €7,445 | €4,245 | -€3,200 | -43.0% |
| Taxes, remuneration and social security | 45 | €13,023 | €13,608 | +€585 | +4.5% |
| Taxes | 450/3 | €4,000 | €2,000 | -€2,000 | -50.0% |
| Remuneration and social security | 454/9 | €9,023 | €11,608 | +€2,585 | +28.7% |
| Other amounts payable | 47/48 | €151,531 | €156,610 | +€5,079 | +3.4% |
| Accrued charges and deferred income | 492/3 | €20,000 | €29,798 | +€9,798 | +49.0% |
| Remuneration, social security and pensions | 62 | €87,174 | €82,644 | -€4,530 | -5.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,207 | €4,896 | +€1,689 | +52.7% |
| Other operating charges | 640/8 | €727 | €523 | -€204 | -28.0% |
| Gross operating margin | 9900 | €132,218 | €160,027 | +€27,810 | +21.0% |
| Operating profit (loss) | 9901 | €41,110 | €71,964 | +€30,854 | +75.1% |
| Financial income | 75/76B | €228 | €60 | -€168 | -73.5% |
| Recurring financial income | 75 | €228 | €60 | -€168 | -73.5% |
| Financial charges | 65/66B | €6,511 | €10,322 | +€3,811 | +58.5% |
| Recurring financial charges | 65 | €6,511 | €5,283 | -€1,228 | -18.9% |
| Non-recurring financial charges | 66B | - | €5,039 | +€5,039 | |
| Profit (loss) for the period before taxes | 9903 | €34,827 | €61,702 | +€26,875 | +77.2% |
| Income taxes | 67/77 | €11,496 | €16,092 | +€4,596 | +40.0% |
| Profit (loss) for the period | 9904 | €23,331 | €45,610 | +€22,279 | +95.5% |
| Profit (loss) for the period to be appropriated | 9905 | €23,331 | €45,610 | +€22,279 | +95.5% |
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 31 October 2026 via checked.be.