Verzekeringen Reynders: 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 Reynders
Largest movements
- Tangible fixed assets +€27,074
up €27,074 (+624%), from €4,340 to €31,414
- Cash +€12,111
up €12,111 (+7.9%), from €153,848 to €165,958
mainly Net result for the year (+€38,032) and Depreciation (+€4,629)
- Deferred charges and accrued income -€2,132
down €2,132 (-44.6%), from €4,775 to €2,644
- Reserves +€38,032
up €38,032 (+28.8%), from €132,253 to €170,285
- Gross operating margin +€9,568
up €9,568 (+18.0%), from €53,061 to €62,629
- Taxes +€2,621
up €2,621 (+16.1%), from €16,329 to €18,950
- Depreciation +€1,397
up €1,397 (+43.2%), from €3,232 to €4,629
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 | €163,108 | €200,016 | +€36,908 | +22.6% |
| Fixed assets | 21/28 | €4,340 | €31,414 | +€27,074 | +624% |
| Tangible fixed assets | 22/27 | €4,340 | €31,414 | +€27,074 | +624% |
| Furniture and vehicles | 24 | €4,340 | €31,414 | +€27,074 | +624% |
| Current assets | 29/58 | €158,768 | €168,602 | +€9,834 | +6.2% |
| Amounts receivable within one year | 40/41 | €145 | - | -€145 | |
| Trade receivables | 40 | €145 | - | -€145 | |
| Cash at bank and in hand | 54/58 | €153,848 | €165,958 | +€12,111 | +7.9% |
| Deferred charges and accrued income | 490/1 | €4,775 | €2,644 | -€2,132 | -44.6% |
| Total equity and liabilities | 10/49 | €163,108 | €200,016 | +€36,908 | +22.6% |
| Equity | 10/15 | €152,705 | €190,737 | +€38,032 | +24.9% |
| Contributions | 10/11 | €20,452 | €20,452 | = | 0.0% |
| Reserves | 13 | €132,253 | €170,285 | +€38,032 | +28.8% |
| Distributable reserves | 133 | €132,253 | €170,285 | +€38,032 | +28.8% |
| Amounts payable | 17/49 | €10,403 | €9,279 | -€1,124 | -10.8% |
| Amounts payable within one year | 42/48 | €10,403 | €9,279 | -€1,124 | -10.8% |
| Taxes, remuneration and social security | 45 | €10,403 | €9,279 | -€1,124 | -10.8% |
| Taxes | 450/3 | €10,403 | €9,279 | -€1,124 | -10.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,232 | €4,629 | +€1,397 | +43.2% |
| Other operating charges | 640/8 | €896 | €912 | +€16 | +1.8% |
| Gross operating margin | 9900 | €53,061 | €62,629 | +€9,568 | +18.0% |
| Operating profit (loss) | 9901 | €48,933 | €57,087 | +€8,155 | +16.7% |
| Financial charges | 65/66B | €104 | €105 | +€2 | +1.4% |
| Recurring financial charges | 65 | €104 | €105 | +€2 | +1.4% |
| Profit (loss) for the period before taxes | 9903 | €48,829 | €56,982 | +€8,153 | +16.7% |
| Income taxes | 67/77 | €16,329 | €18,950 | +€2,621 | +16.1% |
| Profit (loss) for the period | 9904 | €32,501 | €38,032 | +€5,532 | +17.0% |
| Profit (loss) for the period to be appropriated | 9905 | €32,501 | €38,032 | +€5,532 | +17.0% |
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 30 October 2026 via checked.be.