Wynsberghe: 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.
What changed
Wynsberghe
NACE 66.220, Insurance agents and brokers
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€749,849
2024 · €727,825+€22,024
Equity
€284,870
2024 · €335,021-€50,151
Cash
€591,803
2024 · €682,529-€90,726
Balance sheet total
€1.6m
2024 · €1.8m-€109,092
Largest movements
Assets
- Cash -€90,726
down €90,726 (-13.3%), from €682,529 to €591,803
mainly Contributions, distributions and other (-€800,000) and Debts after one year (-€39,748)
- Receivables within one year -€24,105
down €24,105 (-7.8%), from €309,592 to €285,487
of which Other amounts receivable: -€46,433
Equity and liabilities
- Profit (loss) carried forward -€50,151
down €50,151 (-19.7%), from €254,453 to €204,302
- Debts after one year -€39,748
down €39,748 (-10.5%), from €377,513 to €337,765
- Trade debts -€32,851
down €32,851 (-38.9%), from €84,431 to €51,580
Income statement
- Gross operating margin +€114,938
up €114,938 (+9.5%), from €1.2m to €1.3m
- Staff costs +€64,687
up €64,687 (+28.6%), from €226,210 to €290,897
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.
Result 2024
€727,825
Gross operating margin
+€114,938
Staff costs
-€64,687
Depreciation
-€5,382
Other operating charges
-€3,145
Financial income
-€7,042
Financial charges
-€6,393
Taxes
-€6,266
Result 2025
€749,849
raises the resultlowers the result
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.
From operations
+€784,712
Investment
-€36,288
Financing
-€839,150
Cash 2024
€682,529
From operations (derived)
+€784,712
Net result for the year
+€749,849
Depreciation
+€28,103
Receivables within one year
+€24,105
Deferred charges and accrued income
+€2,446
Trade debts
-€32,851
Tax, wage and social debts
+€13,271
Accrued charges and deferred income
-€211
Investment (derived)
-€36,288
Investment in fixed assets (net)
-€36,149
Current investments
-€139
Financing
-€839,150
Debts after one year
-€39,748
Current portion of long-term debt
+€432
Short-term financial debts
+€166
Contributions, distributions and other
-€800,000
Cash 2025
€591,803
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,758,808 | €1,649,716 | -€109,092 | -6.2% |
| Fixed assets | 21/28 | €639,664 | €647,711 | +€8,047 | +1.3% |
| Tangible fixed assets | 22/27 | €639,664 | €647,711 | +€8,047 | +1.3% |
| Land and buildings | 22 | €637,992 | €615,492 | -€22,500 | -3.5% |
| Furniture and vehicles | 24 | €1,672 | €32,219 | +€30,547 | +1,826% |
| Current assets | 29/58 | €1,119,144 | €1,002,005 | -€117,139 | -10.5% |
| Amounts receivable within one year | 40/41 | €309,592 | €285,487 | -€24,105 | -7.8% |
| Trade receivables | 40 | €42,346 | €64,674 | +€22,328 | +52.7% |
| Other amounts receivable | 41 | €267,246 | €220,814 | -€46,433 | -17.4% |
| Current investments | 50/53 | €124,576 | €124,714 | +€139 | +0.1% |
| Cash at bank and in hand | 54/58 | €682,529 | €591,803 | -€90,726 | -13.3% |
| Deferred charges and accrued income | 490/1 | €2,446 | - | -€2,446 | |
| Total equity and liabilities | 10/49 | €1,758,808 | €1,649,716 | -€109,092 | -6.2% |
| Equity | 10/15 | €335,021 | €284,870 | -€50,151 | -15.0% |
| Contributions | 10/11 | €62,000 | €62,000 | = | 0.0% |
| Capital | 10 | €62,000 | €62,000 | = | 0.0% |
| Issued capital | 100 | €62,000 | €62,000 | = | 0.0% |
| Reserves | 13 | €18,568 | €18,568 | = | 0.0% |
| Non-distributable reserves | 130/1 | €6,200 | €6,200 | = | 0.0% |
| Legal reserve | 130 | €6,200 | €6,200 | = | 0.0% |
| Distributable reserves | 133 | €12,368 | €12,368 | = | 0.0% |
| Profit (loss) carried forward | 14 | €254,453 | €204,302 | -€50,151 | -19.7% |
| Amounts payable | 17/49 | €1,423,787 | €1,364,846 | -€58,941 | -4.1% |
| Amounts payable after more than one year | 17 | €377,513 | €337,765 | -€39,748 | -10.5% |
| Financial debts | 170/4 | €377,513 | €337,765 | -€39,748 | -10.5% |
| Amounts payable within one year | 42/48 | €1,046,063 | €1,027,082 | -€18,981 | -1.8% |
| Current portion of amounts payable after more than one year | 42 | €39,316 | €39,748 | +€432 | +1.1% |
| Financial debts | 43 | €50,703 | €50,869 | +€166 | +0.3% |
| Credit institutions | 430/8 | €50,703 | €50,869 | +€166 | +0.3% |
| Trade debts | 44 | €84,431 | €51,580 | -€32,851 | -38.9% |
| Suppliers | 440/4 | €84,431 | €51,580 | -€32,851 | -38.9% |
| Taxes, remuneration and social security | 45 | €71,613 | €84,884 | +€13,271 | +18.5% |
| Taxes | 450/3 | €47,000 | €55,120 | +€8,120 | +17.3% |
| Remuneration and social security | 454/9 | €24,613 | €29,764 | +€5,151 | +20.9% |
| Other amounts payable | 47/48 | €800,000 | €800,000 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | €211 | - | -€211 | |
| Remuneration, social security and pensions | 62 | €226,210 | €290,897 | +€64,687 | +28.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €22,721 | €28,103 | +€5,382 | +23.7% |
| Other operating charges | 640/8 | €13,931 | €17,076 | +€3,145 | +22.6% |
| Gross operating margin | 9900 | €1,210,678 | €1,325,616 | +€114,938 | +9.5% |
| Operating profit (loss) | 9901 | €947,816 | €989,540 | +€41,724 | +4.4% |
| Financial income | 75/76B | €44,835 | €37,793 | -€7,042 | -15.7% |
| Recurring financial income | 75 | €43,375 | €36,524 | -€6,851 | -15.8% |
| Non-recurring financial income | 76B | €1,460 | €1,269 | -€191 | -13.1% |
| Financial charges | 65/66B | €16,531 | €22,923 | +€6,393 | +38.7% |
| Recurring financial charges | 65 | €16,531 | €21,627 | +€5,097 | +30.8% |
| Non-recurring financial charges | 66B | - | €1,296 | +€1,296 | |
| Profit (loss) for the period before taxes | 9903 | €976,120 | €1,004,409 | +€28,289 | +2.9% |
| Income taxes | 67/77 | €248,295 | €254,561 | +€6,266 | +2.5% |
| Profit (loss) for the period | 9904 | €727,825 | €749,849 | +€22,024 | +3.0% |
| Profit (loss) for the period to be appropriated | 9905 | €727,825 | €749,849 | +€22,024 | +3.0% |
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 28 October 2026 via checked.be.