VERZEKERINGEN TRYBOU: 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 TRYBOU
Largest movements
- Cash +€82,528
up €82,528 (+38.0%), from €216,965 to €299,493
mainly Depreciation (+€139,541) and Net result for the year (+€66,530)
- Tangible fixed assets -€37,614
down €37,614 (-29.0%), from €129,491 to €91,876
- Receivables within one year +€30,450
up €30,450 (+21.8%), from €139,604 to €170,054
of which Trade receivables: +€37,423
- Intangible fixed assets -€11,123
down €11,123 (-3.2%), from €345,456 to €334,333
- Reserves +€66,530
up €66,530 (+11.0%), from €605,213 to €671,743
of which Distributable reserves: +€66,530
- Debts after one year -€34,523
down €34,523 (-100%), from €34,523 to €0
- Trade debts +€31,957
up €31,957 (+41.2%), from €77,577 to €109,534
- Current portion of long-term debt -€25,000
down €25,000 (-42.0%), from €59,524 to €34,523
- Tax, wage and social debts +€21,430
up €21,430 (+37.0%), from €57,853 to €79,283
of which Remuneration and social security: +€19,834
- Staff costs +€105,913
up €105,913 (+41.4%), from €255,843 to €361,756
- Gross operating margin +€76,256
up €76,256 (+14.8%), from €515,456 to €591,711
- Depreciation +€10,112
up €10,112 (+7.8%), from €129,429 to €139,541
- Taxes -€9,654
down €9,654 (-30.7%), from €31,478 to €21,824
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 | €836,925 | €897,209 | +€60,284 | +7.2% |
| Fixed assets | 21/28 | €474,947 | €426,209 | -€48,737 | -10.3% |
| Intangible fixed assets | 21 | €345,456 | €334,333 | -€11,123 | -3.2% |
| Tangible fixed assets | 22/27 | €129,491 | €91,876 | -€37,614 | -29.0% |
| Furniture and vehicles | 24 | €129,491 | €91,876 | -€37,614 | -29.0% |
| Current assets | 29/58 | €361,978 | €471,000 | +€109,021 | +30.1% |
| Amounts receivable within one year | 40/41 | €139,604 | €170,054 | +€30,450 | +21.8% |
| Trade receivables | 40 | €68,368 | €105,792 | +€37,423 | +54.7% |
| Other amounts receivable | 41 | €71,236 | €64,262 | -€6,973 | -9.8% |
| Current investments | 50/53 | €0 | - | = | |
| Cash at bank and in hand | 54/58 | €216,965 | €299,493 | +€82,528 | +38.0% |
| Deferred charges and accrued income | 490/1 | €5,410 | €1,453 | -€3,957 | -73.1% |
| Total equity and liabilities | 10/49 | €836,925 | €897,209 | +€60,284 | +7.2% |
| Equity | 10/15 | €607,339 | €673,869 | +€66,530 | +11.0% |
| Contributions | 10/11 | €2,126 | €2,126 | = | 0.0% |
| Reserves | 13 | €605,213 | €671,743 | +€66,530 | +11.0% |
| Tax-exempt reserves | 132 | €2,529 | €2,529 | = | 0.0% |
| Distributable reserves | 133 | €602,683 | €669,214 | +€66,530 | +11.0% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €229,586 | €223,340 | -€6,246 | -2.7% |
| Amounts payable after more than one year | 17 | €34,523 | €0 | -€34,523 | -100% |
| Financial debts | 170/4 | €34,523 | €0 | -€34,523 | -100% |
| Amounts payable within one year | 42/48 | €195,063 | €223,340 | +€28,277 | +14.5% |
| Current portion of amounts payable after more than one year | 42 | €59,524 | €34,523 | -€25,000 | -42.0% |
| Trade debts | 44 | €77,577 | €109,534 | +€31,957 | +41.2% |
| Suppliers | 440/4 | €77,577 | €109,534 | +€31,957 | +41.2% |
| Taxes, remuneration and social security | 45 | €57,853 | €79,283 | +€21,430 | +37.0% |
| Taxes | 450/3 | €9,633 | €11,229 | +€1,596 | +16.6% |
| Remuneration and social security | 454/9 | €48,220 | €68,054 | +€19,834 | +41.1% |
| Other amounts payable | 47/48 | €109 | €0 | -€109 | -100% |
| Remuneration, social security and pensions | 62 | €255,843 | €361,756 | +€105,913 | +41.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €129,429 | €139,541 | +€10,112 | +7.8% |
| Other operating charges | 640/8 | €2,678 | €2,251 | -€427 | -15.9% |
| Gross operating margin | 9900 | €515,456 | €591,711 | +€76,256 | +14.8% |
| Operating profit (loss) | 9901 | €127,506 | €88,163 | -€39,343 | -30.9% |
| Financial income | 75/76B | €3,446 | €1,640 | -€1,806 | -52.4% |
| Recurring financial income | 75 | €3,446 | €1,640 | -€1,806 | -52.4% |
| Financial charges | 65/66B | €2,818 | €1,448 | -€1,369 | -48.6% |
| Recurring financial charges | 65 | €2,818 | €1,448 | -€1,369 | -48.6% |
| Profit (loss) for the period before taxes | 9903 | €128,134 | €88,354 | -€39,780 | -31.0% |
| Income taxes | 67/77 | €31,478 | €21,824 | -€9,654 | -30.7% |
| Profit (loss) for the period | 9904 | €96,656 | €66,530 | -€30,125 | -31.2% |
| Profit (loss) for the period to be appropriated | 9905 | €96,656 | €66,530 | -€30,125 | -31.2% |
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.