VYTA INSURANCE: what changed
What changed
VYTA INSURANCE
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€3,145
2024 · €6,670-€3,525
Equity
€79,321
2024 · €101,176-€21,855
Cash
€25,571
2024 · €13,960+€11,610
Balance sheet total
€796,388
2024 · €866,270-€69,882
Largest movements
Assets
- Intangible fixed assets -€78,779
down €78,779 (-16.9%), from €466,002 to €387,223
- Tangible fixed assets -€15,368
down €15,368 (-6.9%), from €222,987 to €207,619
of which Furniture and vehicles: -€11,259
- Cash +€11,610
up €11,610 (+83.2%), from €13,960 to €25,571
mainly Depreciation (+€95,286) and Other debts (+€27,499)
- Receivables within one year +€10,431
up €10,431 (+6.8%), from €152,487 to €162,918
of which Other amounts receivable: +€17,551
Equity and liabilities
- Debts after one year -€101,418
down €101,418 (-17.5%), from €580,104 to €478,686
- Other debts +€27,499
up €27,499 (+54.6%), from €50,383 to €77,882
- Reserves -€21,855
down €21,855 (-22.1%), from €98,676 to €76,821
- Trade debts +€18,587
up €18,587 (+189%), from €9,831 to €28,419
Income statement
- Gross operating margin +€32,510
up €32,510 (+12.5%), from €260,808 to €293,318
- Staff costs +€27,659
up €27,659 (+21.5%), from €128,670 to €156,329
- Financial charges +€5,160
up €5,160 (+20.9%), from €24,727 to €29,887
- Depreciation +€4,541
up €4,541 (+5.0%), from €90,746 to €95,286
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
€6,670
Gross operating margin
+€32,510
Staff costs
-€27,659
Depreciation
-€4,541
Other operating charges
-€906
Financial income
+€829
Financial charges
-€5,160
Taxes
+€1,402
Result 2025
€3,145
raises the resultlowers the result
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
+€129,271
Investment
-€1,139
Financing
-€116,522
Cash 2024
€13,960
From operations (derived)
+€129,271
Net result for the year
+€3,145
Depreciation
+€95,286
Receivables within one year
-€10,431
Deferred charges and accrued income
-€2,224
Trade debts
+€18,587
Tax, wage and social debts
-€2,307
Other debts
+€27,499
Accrued charges and deferred income
-€285
Investment (derived)
-€1,139
Investment in fixed assets (net)
-€1,139
Financing
-€116,522
Debts after one year
-€101,418
Current portion of long-term debt
+€1,595
Short-term financial debts
+€8,301
Contributions, distributions and other
-€25,000
Cash 2025
€25,571
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €866,270 | €796,388 | -€69,882 | -8.1% |
| Fixed assets | 21/28 | €695,189 | €601,041 | -€94,147 | -13.5% |
| Intangible fixed assets | 21 | €466,002 | €387,223 | -€78,779 | -16.9% |
| Tangible fixed assets | 22/27 | €222,987 | €207,619 | -€15,368 | -6.9% |
| Land and buildings | 22 | €157,040 | €153,286 | -€3,754 | -2.4% |
| Plant, machinery and equipment | 23 | €0 | - | = | |
| Furniture and vehicles | 24 | €62,993 | €51,734 | -€11,259 | -17.9% |
| Other tangible fixed assets | 26 | €2,954 | €2,598 | -€356 | -12.0% |
| Financial fixed assets | 28 | €6,200 | €6,200 | = | 0.0% |
| Current assets | 29/58 | €171,082 | €195,347 | +€24,265 | +14.2% |
| Amounts receivable within one year | 40/41 | €152,487 | €162,918 | +€10,431 | +6.8% |
| Trade receivables | 40 | €49,992 | €42,872 | -€7,120 | -14.2% |
| Other amounts receivable | 41 | €102,495 | €120,046 | +€17,551 | +17.1% |
| Cash at bank and in hand | 54/58 | €13,960 | €25,571 | +€11,610 | +83.2% |
| Deferred charges and accrued income | 490/1 | €4,634 | €6,858 | +€2,224 | +48.0% |
| Total equity and liabilities | 10/49 | €866,270 | €796,388 | -€69,882 | -8.1% |
| Equity | 10/15 | €101,176 | €79,321 | -€21,855 | -21.6% |
| Contributions | 10/11 | €2,500 | €2,500 | = | 0.0% |
| Reserves | 13 | €98,676 | €76,821 | -€21,855 | -22.1% |
| Distributable reserves | 133 | €98,676 | €76,821 | -€21,855 | -22.1% |
| Profit (loss) carried forward | 14 | - | €0 | = | |
| Amounts payable | 17/49 | €765,095 | €717,068 | -€48,027 | -6.3% |
| Amounts payable after more than one year | 17 | €580,104 | €478,686 | -€101,418 | -17.5% |
| Financial debts | 170/4 | €580,104 | €478,686 | -€101,418 | -17.5% |
| Amounts payable within one year | 42/48 | €183,663 | €237,339 | +€53,676 | +29.2% |
| Current portion of amounts payable after more than one year | 42 | €99,823 | €101,418 | +€1,595 | +1.6% |
| Financial debts | 43 | €0 | €8,301 | +€8,301 | |
| Credit institutions | 430/8 | €0 | €8,301 | +€8,301 | |
| Trade debts | 44 | €9,831 | €28,419 | +€18,587 | +189% |
| Suppliers | 440/4 | €9,831 | €28,419 | +€18,587 | +189% |
| Taxes, remuneration and social security | 45 | €23,625 | €21,318 | -€2,307 | -9.8% |
| Taxes | 450/3 | €1,634 | €0 | -€1,634 | -100% |
| Remuneration and social security | 454/9 | €21,991 | €21,318 | -€672 | -3.1% |
| Other amounts payable | 47/48 | €50,383 | €77,882 | +€27,499 | +54.6% |
| Accrued charges and deferred income | 492/3 | €1,328 | €1,043 | -€285 | -21.5% |
| Remuneration, social security and pensions | 62 | €128,670 | €156,329 | +€27,659 | +21.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €90,746 | €95,286 | +€4,541 | +5.0% |
| Other operating charges | 640/8 | €2,239 | €3,145 | +€906 | +40.5% |
| Non-recurring operating charges | 66A | €0 | - | = | |
| Gross operating margin | 9900 | €260,808 | €293,318 | +€32,510 | +12.5% |
| Operating profit (loss) | 9901 | €39,153 | €38,557 | -€596 | -1.5% |
| Financial income | 75/76B | €1,360 | €2,189 | +€829 | +60.9% |
| Recurring financial income | 75 | €1,360 | €2,189 | +€829 | +60.9% |
| Financial charges | 65/66B | €24,727 | €29,887 | +€5,160 | +20.9% |
| Recurring financial charges | 65 | €24,727 | €29,887 | +€5,160 | +20.9% |
| Profit (loss) for the period before taxes | 9903 | €15,786 | €10,859 | -€4,927 | -31.2% |
| Income taxes | 67/77 | €9,116 | €7,714 | -€1,402 | -15.4% |
| Profit (loss) for the period | 9904 | €6,670 | €3,145 | -€3,525 | -52.8% |
| Profit (loss) for the period to be appropriated | 9905 | €6,670 | €3,145 | -€3,525 | -52.8% |
Next steps
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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 4 November 2026 via checked.be.