ZOOM-ASSURANCES: what changed
What changed
ZOOM-ASSURANCES
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€98,284
2024 · €58,235+€40,049
Equity
€259,295
2024 · €218,154+€41,141
Cash
€33,493
2024 · €3,401+€30,093
Balance sheet total
€497,501
2024 · €476,846+€20,655
Largest movements
Assets
- Cash +€30,093
up €30,093 (+885%), from €3,401 to €33,493
mainly Net result for the year (+€98,284) and Depreciation (+€23,298)
- Tangible fixed assets -€18,821
down €18,821 (-6.9%), from €273,725 to €254,904
of which Land and buildings: -€19,552
- Receivables within one year +€9,384
up €9,384 (+4.7%), from €199,570 to €208,954
Equity and liabilities
- Profit (loss) carried forward +€40,049
up €40,049 (+3,669%), from €1,092 to €41,141
- Debts after one year -€20,690
down €20,690 (-12.5%), from €164,917 to €144,226
Income statement
- Gross operating margin +€37,330
up €37,330 (+20.5%), from €182,279 to €219,610
- Turnover +€34,939
up €34,939 (+13.4%), from €260,223 to €295,162
- Taxes -€4,025
down €4,025 (-11.4%), from €35,396 to €31,371
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
€58,235
Gross operating margin
+€37,330
Staff costs
-€1,211
Depreciation
-€231
Other operating charges
-€272
Financial income
+€2
Financial charges
+€405
Taxes
+€4,025
Result 2025
€98,284
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
+€112,024
Investment
-€4,477
Financing
-€77,454
Cash 2024
€3,401
From operations (derived)
+€112,024
Net result for the year
+€98,284
Depreciation
+€23,298
Receivables within one year
-€9,384
Trade debts
-€963
Tax, wage and social debts
+€789
Investment (derived)
-€4,477
Investment in fixed assets (net)
-€4,477
Financing
-€77,454
Debts after one year
-€20,690
Current portion of long-term debt
+€379
Contributions, distributions and other
-€57,143
Cash 2025
€33,493
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €476,846 | €497,501 | +€20,655 | +4.3% |
| Fixed assets | 21/28 | €273,875 | €255,054 | -€18,821 | -6.9% |
| Tangible fixed assets | 22/27 | €273,725 | €254,904 | -€18,821 | -6.9% |
| Land and buildings | 22 | €269,276 | €249,724 | -€19,552 | -7.3% |
| Plant, machinery and equipment | 23 | €4,311 | €3,679 | -€633 | -14.7% |
| Furniture and vehicles | 24 | €138 | €1,501 | +€1,363 | +987% |
| Financial fixed assets | 28 | €150 | €150 | = | 0.0% |
| Current assets | 29/58 | €202,971 | €242,447 | +€39,477 | +19.4% |
| Amounts receivable within one year | 40/41 | €199,570 | €208,954 | +€9,384 | +4.7% |
| Other amounts receivable | 41 | €199,570 | €208,954 | +€9,384 | +4.7% |
| Cash at bank and in hand | 54/58 | €3,401 | €33,493 | +€30,093 | +885% |
| Total equity and liabilities | 10/49 | €476,846 | €497,501 | +€20,655 | +4.3% |
| Equity | 10/15 | €218,154 | €259,295 | +€41,141 | +18.9% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €198,462 | €199,554 | +€1,092 | +0.6% |
| Distributable reserves | 133 | €198,462 | €199,554 | +€1,092 | +0.6% |
| Profit (loss) carried forward | 14 | €1,092 | €41,141 | +€40,049 | +3,669% |
| Amounts payable | 17/49 | €258,692 | €238,206 | -€20,486 | -7.9% |
| Amounts payable after more than one year | 17 | €164,917 | €144,226 | -€20,690 | -12.5% |
| Financial debts | 170/4 | €164,917 | €144,226 | -€20,690 | -12.5% |
| Amounts payable within one year | 42/48 | €93,775 | €93,980 | +€205 | +0.2% |
| Current portion of amounts payable after more than one year | 42 | €20,311 | €20,690 | +€379 | +1.9% |
| Trade debts | 44 | €4,805 | €3,842 | -€963 | -20.0% |
| Suppliers | 440/4 | €4,805 | €3,842 | -€963 | -20.0% |
| Taxes, remuneration and social security | 45 | €28,659 | €29,448 | +€789 | +2.8% |
| Taxes | 450/3 | €17,143 | €17,143 | = | 0.0% |
| Remuneration and social security | 454/9 | €11,516 | €12,305 | +€789 | +6.8% |
| Other amounts payable | 47/48 | €40,000 | €40,000 | = | 0.0% |
| Turnover | 70 | €260,223 | €295,162 | +€34,939 | +13.4% |
| Non-recurring operating income | 76A | €7,582 | €7,836 | +€255 | +3.4% |
| Goods, raw materials, services and sundry goods | 60/61 | €85,525 | €83,388 | -€2,137 | -2.5% |
| Remuneration, social security and pensions | 62 | €60,971 | €62,182 | +€1,211 | +2.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €23,067 | €23,298 | +€231 | +1.0% |
| Other operating charges | 640/8 | €740 | €1,012 | +€272 | +36.7% |
| Gross operating margin | 9900 | €182,279 | €219,610 | +€37,330 | +20.5% |
| Operating profit (loss) | 9901 | €97,501 | €133,117 | +€35,616 | +36.5% |
| Financial income | 75/76B | €0 | €2 | +€2 | +1,507% |
| Recurring financial income | 75 | €0 | €2 | +€2 | +1,507% |
| Financial charges | 65/66B | €3,870 | €3,465 | -€405 | -10.5% |
| Recurring financial charges | 65 | €3,870 | €3,465 | -€405 | -10.5% |
| Profit (loss) for the period before taxes | 9903 | €93,631 | €129,655 | +€36,024 | +38.5% |
| Income taxes | 67/77 | €35,396 | €31,371 | -€4,025 | -11.4% |
| Profit (loss) for the period | 9904 | €58,235 | €98,284 | +€40,049 | +68.8% |
| Profit (loss) for the period to be appropriated | 9905 | €58,235 | €98,284 | +€40,049 | +68.8% |
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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 3 November 2026 via checked.be.