VERZEKERINGEN ANN-SOFIE HAECK: 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 ANN-SOFIE HAECK
Largest movements
- Tangible fixed assets +€279,637
up €279,637 (+110%), from €254,292 to €533,928
of which Land and buildings: +€295,820
- Cash -€23,368
down €23,368 (-41.4%), from €56,488 to €33,120
mainly Investment in fixed assets (net) (-€346,244) and Contributions, distributions and other (-€23,724)
- Debts after one year +€244,086
up €244,086 (+165%), from €147,546 to €391,632
- Tax, wage and social debts +€14,481
up €14,481 (+236%), from €6,142 to €20,623
of which Taxes: +€12,587
- Depreciation +€40,705
up €40,705 (+157%), from €25,903 to €66,608
- Gross operating margin +€37,059
up €37,059 (+40.6%), from €91,198 to €128,257
- Financial charges +€5,608
up €5,608 (+63.5%), from €8,837 to €14,445
- Taxes -€4,691
down €4,691 (-29.5%), from €15,888 to €11,198
- Other operating charges +€1,800
up €1,800 (+67.4%), from €2,669 to €4,469
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 | €331,111 | €591,946 | +€260,835 | +78.8% |
| Fixed assets | 21/28 | €254,292 | €533,928 | +€279,637 | +110% |
| Tangible fixed assets | 22/27 | €254,292 | €533,928 | +€279,637 | +110% |
| Land and buildings | 22 | - | €295,820 | +€295,820 | |
| Plant, machinery and equipment | 23 | €3,670 | €2,231 | -€1,438 | -39.2% |
| Furniture and vehicles | 24 | €7,773 | €8,787 | +€1,014 | +13.0% |
| Other tangible fixed assets | 26 | €242,849 | €227,090 | -€15,759 | -6.5% |
| Current assets | 29/58 | €76,820 | €58,018 | -€18,802 | -24.5% |
| Amounts receivable after more than one year | 29 | €0 | - | = | |
| Other amounts receivable | 291 | €0 | - | = | |
| Amounts receivable within one year | 40/41 | €5,182 | €8,761 | +€3,579 | +69.1% |
| Trade receivables | 40 | €3,718 | €6,512 | +€2,794 | +75.1% |
| Other amounts receivable | 41 | €1,464 | €2,249 | +€785 | +53.6% |
| Cash at bank and in hand | 54/58 | €56,488 | €33,120 | -€23,368 | -41.4% |
| Deferred charges and accrued income | 490/1 | €15,150 | €16,137 | +€987 | +6.5% |
| Total equity and liabilities | 10/49 | €331,111 | €591,946 | +€260,835 | +78.8% |
| Equity | 10/15 | €140,852 | €136,423 | -€4,429 | -3.1% |
| Contributions | 10/11 | €2,000 | €2,000 | = | 0.0% |
| Reserves | 13 | €138,852 | €134,423 | -€4,429 | -3.2% |
| Distributable reserves | 133 | €138,852 | €134,423 | -€4,429 | -3.2% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €190,260 | €455,523 | +€265,264 | +139% |
| Amounts payable after more than one year | 17 | €147,546 | €391,632 | +€244,086 | +165% |
| Financial debts | 170/4 | €147,546 | €391,632 | +€244,086 | +165% |
| Amounts payable within one year | 42/48 | €42,714 | €63,891 | +€21,178 | +49.6% |
| Current portion of amounts payable after more than one year | 42 | €30,581 | €30,854 | +€273 | +0.9% |
| Trade debts | 44 | €5,990 | €10,414 | +€4,424 | +73.8% |
| Suppliers | 440/4 | €5,990 | €10,414 | +€4,424 | +73.8% |
| Taxes, remuneration and social security | 45 | €6,142 | €20,623 | +€14,481 | +236% |
| Taxes | 450/3 | €3,536 | €16,123 | +€12,587 | +356% |
| Remuneration and social security | 454/9 | €2,606 | €4,500 | +€1,894 | +72.7% |
| Other amounts payable | 47/48 | €0 | €2,000 | +€2,000 | |
| Non-recurring operating income | 76A | €4,554 | €0 | -€4,554 | -100% |
| Remuneration, social security and pensions | 62 | €12,099 | €12,578 | +€479 | +4.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €25,903 | €66,608 | +€40,705 | +157% |
| Other operating charges | 640/8 | €2,669 | €4,469 | +€1,800 | +67.4% |
| Gross operating margin | 9900 | €91,198 | €128,257 | +€37,059 | +40.6% |
| Operating profit (loss) | 9901 | €50,527 | €44,602 | -€5,925 | -11.7% |
| Financial income | 75/76B | €309 | €335 | +€27 | +8.7% |
| Recurring financial income | 75 | €309 | €335 | +€27 | +8.7% |
| Financial charges | 65/66B | €8,837 | €14,445 | +€5,608 | +63.5% |
| Recurring financial charges | 65 | €8,837 | €14,445 | +€5,608 | +63.5% |
| Profit (loss) for the period before taxes | 9903 | €41,999 | €30,493 | -€11,506 | -27.4% |
| Income taxes | 67/77 | €15,888 | €11,198 | -€4,691 | -29.5% |
| Profit (loss) for the period | 9904 | €26,110 | €19,295 | -€6,815 | -26.1% |
| Profit (loss) for the period to be appropriated | 9905 | €26,110 | €19,295 | -€6,815 | -26.1% |
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 27 October 2026 via checked.be.