Verzekeringen Vernimmen: what changed
Verzekeringen Vernimmen
Largest movements
- Tangible fixed assets +€358,274
up €358,274 (+1,103%), from €32,496 to €390,770
of which Land and buildings: +€356,392
- Cash -€44,980
down €44,980 (-30.2%), from €148,760 to €103,781
mainly Investment in fixed assets (net) (-€377,417) and Contributions, distributions and other (-€80,000)
- Intangible fixed assets -€38,091
down €38,091 (-14.3%), from €266,738 to €228,647
- Debts after one year +€311,266
up €311,266 (+123%), from €252,731 to €563,997
of which Financial debts: +€308,446
- Profit (loss) carried forward -€30,015
down €30,015 (-37.3%), from €80,490 to €50,475
- Other debts -€28,273
down €28,273 (-59.8%), from €47,290 to €19,017
- Current portion of long-term debt +€17,368
up €17,368 (+36.9%), from €47,055 to €64,423
- Tax, wage and social debts -€13,856
down €13,856 (-91.2%), from €15,190 to €1,334
- Gross operating margin +€62,186
up €62,186 (+53.8%), from €115,595 to €177,781
- Other operating charges +€41,700
up €41,700 (+7,048%), from €592 to €42,292
- Depreciation +€12,361
up €12,361 (+27.5%), from €44,872 to €57,233
- Financial charges +€7,491
up €7,491 (+96.4%), from €7,768 to €15,259
- Financial income -€2,076
down €2,076 (-85.1%), from €2,440 to €364
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €482,376 | €750,971 | +€268,596 | +55.7% |
| Fixed assets | 21/28 | €299,334 | €619,518 | +€320,184 | +107% |
| Intangible fixed assets | 21 | €266,738 | €228,647 | -€38,091 | -14.3% |
| Tangible fixed assets | 22/27 | €32,496 | €390,770 | +€358,274 | +1,103% |
| Land and buildings | 22 | - | €356,392 | +€356,392 | |
| Plant, machinery and equipment | 23 | €8,009 | €14,033 | +€6,025 | +75.2% |
| Furniture and vehicles | 24 | €24,487 | €20,345 | -€4,142 | -16.9% |
| Financial fixed assets | 28 | €100 | €100 | = | 0.0% |
| Current assets | 29/58 | €183,042 | €131,454 | -€51,588 | -28.2% |
| Amounts receivable within one year | 40/41 | €32,530 | €26,030 | -€6,501 | -20.0% |
| Trade receivables | 40 | €1,599 | - | -€1,599 | |
| Other amounts receivable | 41 | €30,932 | €26,030 | -€4,902 | -15.8% |
| Cash at bank and in hand | 54/58 | €148,760 | €103,781 | -€44,980 | -30.2% |
| Deferred charges and accrued income | 490/1 | €1,751 | €1,643 | -€108 | -6.2% |
| Total equity and liabilities | 10/49 | €482,376 | €750,971 | +€268,596 | +55.7% |
| Equity | 10/15 | €119,740 | €89,725 | -€30,015 | -25.1% |
| Contributions | 10/11 | €1,000 | €1,000 | = | 0.0% |
| Reserves | 13 | €38,250 | €38,250 | = | 0.0% |
| Distributable reserves | 133 | €38,250 | €38,250 | = | 0.0% |
| Profit (loss) carried forward | 14 | €80,490 | €50,475 | -€30,015 | -37.3% |
| Amounts payable | 17/49 | €362,635 | €661,246 | +€298,611 | +82.3% |
| Amounts payable after more than one year | 17 | €252,731 | €563,997 | +€311,266 | +123% |
| Financial debts | 170/4 | €252,731 | €561,177 | +€308,446 | +122% |
| Other amounts payable | 178/9 | - | €2,820 | +€2,820 | |
| Amounts payable within one year | 42/48 | €109,905 | €96,309 | -€13,595 | -12.4% |
| Current portion of amounts payable after more than one year | 42 | €47,055 | €64,423 | +€17,368 | +36.9% |
| Trade debts | 44 | €370 | €11,536 | +€11,166 | +3,019% |
| Suppliers | 440/4 | €370 | €11,536 | +€11,166 | +3,019% |
| Taxes, remuneration and social security | 45 | €15,190 | €1,334 | -€13,856 | -91.2% |
| Taxes | 450/3 | €15,190 | €1,334 | -€13,856 | -91.2% |
| Other amounts payable | 47/48 | €47,290 | €19,017 | -€28,273 | -59.8% |
| Accrued charges and deferred income | 492/3 | - | €940 | +€940 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €44,872 | €57,233 | +€12,361 | +27.5% |
| Other operating charges | 640/8 | €592 | €42,292 | +€41,700 | +7,048% |
| Gross operating margin | 9900 | €115,595 | €177,781 | +€62,186 | +53.8% |
| Operating profit (loss) | 9901 | €70,132 | €78,257 | +€8,125 | +11.6% |
| Financial income | 75/76B | €2,440 | €364 | -€2,076 | -85.1% |
| Recurring financial income | 75 | €2,440 | €364 | -€2,076 | -85.1% |
| Financial charges | 65/66B | €7,768 | €15,259 | +€7,491 | +96.4% |
| Recurring financial charges | 65 | €7,768 | €15,259 | +€7,491 | +96.4% |
| Profit (loss) for the period before taxes | 9903 | €64,804 | €63,362 | -€1,442 | -2.2% |
| Income taxes | 67/77 | €13,736 | €13,377 | -€359 | -2.6% |
| Profit (loss) for the period | 9904 | €51,068 | €49,985 | -€1,083 | -2.1% |
| Profit (loss) for the period to be appropriated | 9905 | €51,068 | €49,985 | -€1,083 | -2.1% |
Next steps
Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 8 November 2026 via checked.be.