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Vyva: what changed

Two fiscal 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.

What changed

Vyva

BE 0448.981.524
NACE 66.220, Insurance agents and brokers
fiscal year 2023 against 2024filed annual accounts (NBB)
Net result for the year
€529,977
2023 · €498,142+€31,835
Equity
€3.0m
2023 · €3.2m-€226,028
Cash
€279,722
2023 · €261,714+€18,008
Balance sheet total
€3.6m
2023 · €3.4m+€253,658

Largest movements

2023 to 2024
Assets
  • Receivables after one year +€400,005

    new in 2024: €400,005

  • Receivables within one year -€239,729

    down €239,729 (-95.9%), from €250,000 to €10,271

  • Current investments +€99,995

    up €99,995 (+40.0%), from €250,036 to €350,031

Equity and liabilities
  • Other debts +€389,003

    up €389,003 (+473.4%), from €82,175 to €471,178

  • Reserves -€226,028

    down €226,028 (-7.1%), from €3.2m to €3.0m

    of which Distributable reserves: -€226,028

  • Tax, wage and social debts +€95,743

    up €95,743 (+113.4%), from €84,457 to €180,200

Income statement
  • Gross operating margin +€50,586

    up €50,586 (+6.8%), from €741,509 to €792,095

  • Taxes +€24,647

    up €24,647 (+10.5%), from €234,457 to €259,104

  • Financial income +€22,355

    up €22,355 (+223.5%), from €10,000 to €32,355

  • Depreciation +€8,025

    up €8,025 (+45.1%), from €17,802 to €25,827

From the 2023 result to the 2024 result

effect on the 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.

Result 2023 €498,142
Gross operating margin +€50,586
Depreciation -€8,025
Other operating charges -€4,432
Financial income +€22,355
Financial charges -€4,002
Taxes -€24,647
Result 2024 €529,977

Cash bridge derived

cash 2023 to 2024

Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations +€874,008
Investment -€99,995
Financing -€756,004
Cash 2023 €261,714
Net result for the year +€529,977
Depreciation +€25,827
Receivables after one year -€400,005
Receivables within one year +€239,729
Deferred charges and accrued income -€1,206
Trade debts -€8,294
Tax, wage and social debts +€95,743
Other debts +€389,003
Accrued charges and deferred income +€3,233
Current investments -€99,995
Contributions, distributions and other -€756,004
Cash 2024 €279,722
Every line side by side 44 lines
Line Code 2023 2024 Change %
Total assets 20/58 €3,375,828 €3,629,486 +€253,658 +7.5%
Fixed assets 21/28 €2,608,441 €2,582,614 -€25,827 -1.0%
Tangible fixed assets 22/27 €266,019 €240,192 -€25,827 -9.7%
Land and buildings 22 €178,420 €172,329 -€6,091 -3.4%
Furniture and vehicles 24 €87,599 €67,863 -€19,736 -22.5%
Financial fixed assets 28 €2,342,422 €2,342,422 = 0.0%
Current assets 29/58 €767,387 €1,046,872 +€279,485 +36.4%
Amounts receivable after more than one year 29 - €400,005 +€400,005
Other amounts receivable 291 - €400,005 +€400,005
Amounts receivable within one year 40/41 €250,000 €10,271 -€239,729 -95.9%
Other amounts receivable 41 €250,000 €10,271 -€239,729 -95.9%
Current investments 50/53 €250,036 €350,031 +€99,995 +40.0%
Cash at bank and in hand 54/58 €261,714 €279,722 +€18,008 +6.9%
Deferred charges and accrued income 490/1 €5,637 €6,843 +€1,206 +21.4%
Total equity and liabilities 10/49 €3,375,828 €3,629,486 +€253,658 +7.5%
Equity 10/15 €3,198,336 €2,972,308 -€226,028 -7.1%
Contributions 10/11 €18,592 €18,592 = 0.0%
Reserves 13 €3,179,744 €2,953,716 -€226,028 -7.1%
Non-distributable reserves 130/1 €1,859 €1,859 = 0.0%
Reserves not available under the articles 1311 €1,859 €1,859 = 0.0%
Tax-exempt reserves 132 €83,867 €83,867 = 0.0%
Distributable reserves 133 €3,094,018 €2,867,990 -€226,028 -7.3%
Profit (loss) carried forward 14 €0 €0 =
Amounts payable 17/49 €177,492 €657,178 +€479,685 +270.3%
Amounts payable within one year 42/48 €177,492 €653,945 +€476,452 +268.4%
Trade debts 44 €10,861 €2,567 -€8,294 -76.4%
Suppliers 440/4 €10,861 €2,567 -€8,294 -76.4%
Taxes, remuneration and social security 45 €84,457 €180,200 +€95,743 +113.4%
Taxes 450/3 €84,457 €180,200 +€95,743 +113.4%
Other amounts payable 47/48 €82,175 €471,178 +€389,003 +473.4%
Accrued charges and deferred income 492/3 - €3,233 +€3,233
Non-recurring operating income 76A €24,000 €60,090 +€36,090 +150.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €17,802 €25,827 +€8,025 +45.1%
Other operating charges 640/8 €1,046 €5,478 +€4,432 +423.6%
Gross operating margin 9900 €741,509 €792,095 +€50,586 +6.8%
Operating profit (loss) 9901 €722,661 €760,790 +€38,129 +5.3%
Financial income 75/76B €10,000 €32,355 +€22,355 +223.5%
Recurring financial income 75 €10,000 €32,355 +€22,355 +223.5%
Financial charges 65/66B €62 €4,064 +€4,002 +6421.4%
Recurring financial charges 65 €62 €4,064 +€4,002 +6421.4%
Profit (loss) for the period before taxes 9903 €732,599 €789,080 +€56,482 +7.7%
Income taxes 67/77 €234,457 €259,104 +€24,647 +10.5%
Profit (loss) for the period 9904 €498,142 €529,977 +€31,835 +6.4%
Profit (loss) for the period to be appropriated 9905 €498,142 €529,977 +€31,835 +6.4%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.