VERZEKERINGEN BREUSEGEM: what changed
What changed
VERZEKERINGEN BREUSEGEM
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€5,092
2024 · €97,526-€92,434
Equity
€67,559
2024 · €112,051-€44,492
Cash
€59,550
2024 · €65,545-€5,996
Balance sheet total
€501,682
2024 · €348,553+€153,130
Largest movements
Assets
- Tangible fixed assets +€248,053
up €248,053 (+296%), from €83,693 to €331,746
of which Land and buildings: +€251,269
- Current investments -€47,055
down €47,055 (-34.8%), from €135,077 to €88,022
- Deferred charges and accrued income -€28,303
down €28,303 (-89.3%), from €31,680 to €3,377
- Receivables after one year -€27,474
down €27,474 (-100%), from €27,474 to €0
- Receivables within one year +€14,329
up €14,329 (+461%), from €3,111 to €17,440
of which Other amounts receivable: +€14,504
Equity and liabilities
- Debts after one year +€223,936
up €223,936 (+243%), from €92,333 to €316,270
- Reserves -€44,461
down €44,461 (-42.1%), from €105,645 to €61,184
- Other debts -€34,251
down €34,251 (-40.7%), from €84,226 to €49,975
- Current portion of long-term debt +€14,186
up €14,186 (+98.8%), from €14,361 to €28,546
- Tax, wage and social debts -€8,570
down €8,570 (-39.1%), from €21,932 to €13,362
of which Taxes: -€11,546
Income statement
- Gross operating margin -€84,741
down €84,741 (-35.3%), from €239,971 to €155,230
- Taxes -€36,807
down €36,807 (-87.9%), from €41,890 to €5,083
- Depreciation +€33,406
up €33,406 (+133%), from €25,133 to €58,539
- Financial charges +€6,488
up €6,488 (+165%), from €3,927 to €10,416
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
€97,526
Gross operating margin
-€84,741
Staff costs
-€872
Depreciation
-€33,406
Other operating charges
+€8
Other operating items
-€2,360
Financial income
-€1,380
Financial charges
-€6,488
Taxes
+€36,807
Result 2025
€5,092
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
+€61,698
Investment
-€259,112
Financing
+€191,419
Cash 2024
€65,545
From operations (derived)
+€61,698
Net result for the year
+€5,092
Depreciation
+€58,539
Receivables after one year
+€27,474
Receivables within one year
-€14,329
Deferred charges and accrued income
+€28,303
Trade debts
-€560
Tax, wage and social debts
-€8,570
Other debts
-€34,251
Investment (derived)
-€259,112
Investment in fixed assets (net)
-€306,167
Current investments
+€47,055
Financing
+€191,419
Debts after one year
+€223,936
Current portion of long-term debt
+€14,186
Short-term financial debts
+€2,882
Contributions, distributions and other
-€49,585
Cash 2025
€59,550
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €348,553 | €501,682 | +€153,130 | +43.9% |
| Fixed assets | 21/28 | €85,666 | €333,294 | +€247,628 | +289% |
| Intangible fixed assets | 21 | €1,973 | €1,297 | -€676 | -34.2% |
| Tangible fixed assets | 22/27 | €83,693 | €331,746 | +€248,053 | +296% |
| Land and buildings | 22 | €71,834 | €323,103 | +€251,269 | +350% |
| Plant, machinery and equipment | 23 | €3,411 | €6,280 | +€2,869 | +84.1% |
| Furniture and vehicles | 24 | €8,448 | €2,363 | -€6,085 | -72.0% |
| Financial fixed assets | 28 | - | €250 | +€250 | |
| Current assets | 29/58 | €262,887 | €168,389 | -€94,498 | -35.9% |
| Amounts receivable after more than one year | 29 | €27,474 | €0 | -€27,474 | -100% |
| Other amounts receivable | 291 | €27,474 | €0 | -€27,474 | -100% |
| Amounts receivable within one year | 40/41 | €3,111 | €17,440 | +€14,329 | +461% |
| Trade receivables | 40 | €176 | €0 | -€176 | -100% |
| Other amounts receivable | 41 | €2,935 | €17,440 | +€14,504 | +494% |
| Current investments | 50/53 | €135,077 | €88,022 | -€47,055 | -34.8% |
| Cash at bank and in hand | 54/58 | €65,545 | €59,550 | -€5,996 | -9.1% |
| Deferred charges and accrued income | 490/1 | €31,680 | €3,377 | -€28,303 | -89.3% |
| Total equity and liabilities | 10/49 | €348,553 | €501,682 | +€153,130 | +43.9% |
| Equity | 10/15 | €112,051 | €67,559 | -€44,492 | -39.7% |
| Contributions | 10/11 | €6,375 | €6,375 | = | 0.0% |
| Reserves | 13 | €105,645 | €61,184 | -€44,461 | -42.1% |
| Distributable reserves | 133 | €105,645 | €61,184 | -€44,461 | -42.1% |
| Profit (loss) carried forward | 14 | €31 | €0 | -€31 | -100% |
| Amounts payable | 17/49 | €236,502 | €434,124 | +€197,622 | +83.6% |
| Amounts payable after more than one year | 17 | €92,333 | €316,270 | +€223,936 | +243% |
| Financial debts | 170/4 | €92,333 | €316,270 | +€223,936 | +243% |
| Amounts payable within one year | 42/48 | €144,168 | €117,854 | -€26,314 | -18.3% |
| Current portion of amounts payable after more than one year | 42 | €14,361 | €28,546 | +€14,186 | +98.8% |
| Financial debts | 43 | €3,891 | €6,773 | +€2,882 | +74.1% |
| Credit institutions | 430/8 | €3,827 | €6,773 | +€2,947 | +77.0% |
| Other loans | 439 | €65 | €0 | -€65 | -100% |
| Trade debts | 44 | €19,758 | €19,197 | -€560 | -2.8% |
| Suppliers | 440/4 | €19,758 | €19,197 | -€560 | -2.8% |
| Taxes, remuneration and social security | 45 | €21,932 | €13,362 | -€8,570 | -39.1% |
| Taxes | 450/3 | €12,587 | €1,041 | -€11,546 | -91.7% |
| Remuneration and social security | 454/9 | €9,345 | €12,321 | +€2,976 | +31.9% |
| Other amounts payable | 47/48 | €84,226 | €49,975 | -€34,251 | -40.7% |
| Accrued charges and deferred income | 492/3 | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €75,587 | €76,459 | +€872 | +1.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €25,133 | €58,539 | +€33,406 | +133% |
| Other operating charges | 640/8 | €1,717 | €1,709 | -€8 | -0.4% |
| Non-recurring operating charges | 66A | - | €2,360 | +€2,360 | |
| Gross operating margin | 9900 | €239,971 | €155,230 | -€84,741 | -35.3% |
| Operating profit (loss) | 9901 | €137,535 | €16,163 | -€121,372 | -88.2% |
| Financial income | 75/76B | €5,809 | €4,429 | -€1,380 | -23.8% |
| Recurring financial income | 75 | €5,809 | €4,429 | -€1,380 | -23.8% |
| Non-recurring financial income | 76B | €0 | - | = | |
| Financial charges | 65/66B | €3,927 | €10,416 | +€6,488 | +165% |
| Recurring financial charges | 65 | €3,927 | €10,416 | +€6,488 | +165% |
| Profit (loss) for the period before taxes | 9903 | €139,416 | €10,176 | -€129,241 | -92.7% |
| Income taxes | 67/77 | €41,890 | €5,083 | -€36,807 | -87.9% |
| Profit (loss) for the period | 9904 | €97,526 | €5,092 | -€92,434 | -94.8% |
| Profit (loss) for the period to be appropriated | 9905 | €97,526 | €5,092 | -€92,434 | -94.8% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 2 November 2026 via checked.be.