Verzekeringen De Windt: 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 De Windt
Largest movements
- Receivables within one year -€30,251
down €30,251 (-39.4%), from €76,742 to €46,491
of which Other amounts receivable: -€31,055
- Tangible fixed assets -€20,311
down €20,311 (-33.6%), from €60,524 to €40,213
of which Other tangible fixed assets: -€20,107
- Cash -€11,757
down €11,757 (-44.1%), from €26,636 to €14,880
mainly Contributions, distributions and other (-€70,000) and Debts after one year (-€18,309)
- Profit (loss) carried forward -€49,854
down €49,854 (-95.8%), from €52,034 to €2,180
- Current portion of long-term debt +€21,128
up €21,128 (+117%), from €18,058 to €39,186
- Debts after one year -€18,309
down €18,309 (-45.8%), from €39,991 to €21,682
- Tax, wage and social debts -€16,961
down €16,961 (-60.7%), from €27,951 to €10,991
of which Taxes: -€18,852
- Trade debts +€4,507
up €4,507 (+68.7%), from €6,565 to €11,072
- Gross operating margin -€32,916
down €32,916 (-17.4%), from €188,667 to €155,751
- Taxes -€11,827
down €11,827 (-58.4%), from €20,249 to €8,422
- Staff costs +€10,026
up €10,026 (+10.9%), from €92,192 to €102,219
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 | €168,265 | €105,516 | -€62,749 | -37.3% |
| Fixed assets | 21/28 | €60,524 | €40,213 | -€20,311 | -33.6% |
| Tangible fixed assets | 22/27 | €60,524 | €40,213 | -€20,311 | -33.6% |
| Furniture and vehicles | 24 | €204 | €0 | -€204 | -100% |
| Other tangible fixed assets | 26 | €60,320 | €40,213 | -€20,107 | -33.3% |
| Current assets | 29/58 | €107,741 | €65,303 | -€42,438 | -39.4% |
| Amounts receivable within one year | 40/41 | €76,742 | €46,491 | -€30,251 | -39.4% |
| Trade receivables | 40 | €25,326 | €26,130 | +€805 | +3.2% |
| Other amounts receivable | 41 | €51,416 | €20,361 | -€31,055 | -60.4% |
| Cash at bank and in hand | 54/58 | €26,636 | €14,880 | -€11,757 | -44.1% |
| Deferred charges and accrued income | 490/1 | €4,363 | €3,932 | -€431 | -9.9% |
| Total equity and liabilities | 10/49 | €168,265 | €105,516 | -€62,749 | -37.3% |
| Equity | 10/15 | €72,439 | €22,585 | -€49,854 | -68.8% |
| Contributions | 10/11 | €18,550 | €18,550 | = | 0.0% |
| Reserves | 13 | €1,855 | €1,855 | = | 0.0% |
| Distributable reserves | 133 | €1,855 | €1,855 | = | 0.0% |
| Profit (loss) carried forward | 14 | €52,034 | €2,180 | -€49,854 | -95.8% |
| Amounts payable | 17/49 | €95,826 | €82,931 | -€12,896 | -13.5% |
| Amounts payable after more than one year | 17 | €39,991 | €21,682 | -€18,309 | -45.8% |
| Financial debts | 170/4 | €39,991 | €21,682 | -€18,309 | -45.8% |
| Amounts payable within one year | 42/48 | €52,574 | €61,249 | +€8,674 | +16.5% |
| Current portion of amounts payable after more than one year | 42 | €18,058 | €39,186 | +€21,128 | +117% |
| Trade debts | 44 | €6,565 | €11,072 | +€4,507 | +68.7% |
| Suppliers | 440/4 | €6,565 | €11,072 | +€4,507 | +68.7% |
| Taxes, remuneration and social security | 45 | €27,951 | €10,991 | -€16,961 | -60.7% |
| Taxes | 450/3 | €19,429 | €577 | -€18,852 | -97.0% |
| Remuneration and social security | 454/9 | €8,522 | €10,414 | +€1,892 | +22.2% |
| Other amounts payable | 47/48 | €0 | - | = | |
| Accrued charges and deferred income | 492/3 | €3,261 | €0 | -€3,261 | -100% |
| Remuneration, social security and pensions | 62 | €92,192 | €102,219 | +€10,026 | +10.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €20,650 | €20,311 | -€339 | -1.6% |
| Other operating charges | 640/8 | €1,225 | €1,579 | +€354 | +28.9% |
| Gross operating margin | 9900 | €188,667 | €155,751 | -€32,916 | -17.4% |
| Operating profit (loss) | 9901 | €74,600 | €31,643 | -€42,957 | -57.6% |
| Financial income | 75/76B | €390 | €217 | -€173 | -44.2% |
| Recurring financial income | 75 | €390 | €217 | -€173 | -44.2% |
| Financial charges | 65/66B | €2,707 | €3,292 | +€585 | +21.6% |
| Recurring financial charges | 65 | €2,707 | €3,292 | +€585 | +21.6% |
| Profit (loss) for the period before taxes | 9903 | €72,283 | €28,568 | -€43,715 | -60.5% |
| Income taxes | 67/77 | €20,249 | €8,422 | -€11,827 | -58.4% |
| Profit (loss) for the period | 9904 | €52,034 | €20,146 | -€31,888 | -61.3% |
| Profit (loss) for the period to be appropriated | 9905 | €52,034 | €20,146 | -€31,888 | -61.3% |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 27 October 2026 via checked.be.