Pilõ: what changed
What changed
Pilõ
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
-€33,630
2024 · €12,694-€46,324
Equity
€99,340
2024 · €132,971-€33,631
Cash
€1,100
2024 · -+€1,100
Balance sheet total
€178,231
2024 · €220,625-€42,395
Largest movements
Assets
- Tangible fixed assets -€25,572
down €25,572 (-15.1%), from €168,875 to €143,302
- Receivables within one year -€10,538
down €10,538 (-33.3%), from €31,654 to €21,116
of which Trade receivables: -€7,391
- Deferred charges and accrued income -€5,995
down €5,995 (-48.4%), from €12,382 to €6,387
Equity and liabilities
- Profit (loss) carried forward -€33,798
new in 2025: -€33,798
- Other debts -€10,194
down €10,194 (-24.1%), from €42,222 to €32,028
- Trade debts +€9,991
new in 2025: €9,991
- Tax, wage and social debts -€8,410
down €8,410 (-18.6%), from €45,282 to €36,872
of which Remuneration and social security: -€13,602
Income statement
- Gross operating margin -€48,672
down €48,672 (-21.6%), from €225,018 to €176,346
- Staff costs -€12,699
down €12,699 (-7.2%), from €175,472 to €162,773
- Other operating charges +€6,208
up €6,208 (+523%), from €1,187 to €7,395
- Depreciation +€3,832
up €3,832 (+11.5%), from €33,296 to €37,129
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
€12,694
Gross operating margin
-€48,672
Staff costs
+€12,699
Depreciation
-€3,832
Other operating charges
-€6,208
Financial income
-€926
Financial charges
-€152
Taxes
+€767
Result 2025
-€33,630
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
+€11,419
Investment
-€10,167
Financing
-€152
Cash 2024
€0
From operations (derived)
+€11,419
Net result for the year
-€33,630
Depreciation
+€37,129
Receivables within one year
+€10,538
Deferred charges and accrued income
+€5,995
Trade debts
+€9,991
Tax, wage and social debts
-€8,410
Other debts
-€10,194
Investment (derived)
-€10,167
Investment in fixed assets (net)
-€10,167
Financing
-€152
Short-term financial debts
-€151
Contributions, distributions and other
-€1
Cash 2025
€1,100
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €220,625 | €178,231 | -€42,395 | -19.2% |
| Fixed assets | 21/28 | €176,589 | €149,627 | -€26,962 | -15.3% |
| Intangible fixed assets | 21 | €7,714 | €6,324 | -€1,390 | -18.0% |
| Tangible fixed assets | 22/27 | €168,875 | €143,302 | -€25,572 | -15.1% |
| Land and buildings | 22 | €53,389 | €50,827 | -€2,562 | -4.8% |
| Plant, machinery and equipment | 23 | €71,252 | €60,219 | -€11,033 | -15.5% |
| Furniture and vehicles | 24 | €44,233 | €32,256 | -€11,977 | -27.1% |
| Current assets | 29/58 | €44,037 | €28,604 | -€15,433 | -35.0% |
| Amounts receivable within one year | 40/41 | €31,654 | €21,116 | -€10,538 | -33.3% |
| Trade receivables | 40 | €8,329 | €938 | -€7,391 | -88.7% |
| Other amounts receivable | 41 | €23,326 | €20,178 | -€3,147 | -13.5% |
| Cash at bank and in hand | 54/58 | - | €1,100 | +€1,100 | |
| Deferred charges and accrued income | 490/1 | €12,382 | €6,387 | -€5,995 | -48.4% |
| Total equity and liabilities | 10/49 | €220,625 | €178,231 | -€42,395 | -19.2% |
| Equity | 10/15 | €132,971 | €99,340 | -€33,631 | -25.3% |
| Contributions | 10/11 | €18,000 | €18,000 | = | 0.0% |
| Reserves | 13 | €112,194 | €112,361 | +€167 | +0.1% |
| Distributable reserves | 133 | €112,194 | €112,361 | +€167 | +0.1% |
| Profit (loss) carried forward | 14 | - | -€33,798 | -€33,798 | |
| Investment grants | 15 | €2,777 | €2,777 | = | 0.0% |
| Amounts payable | 17/49 | €87,655 | €78,891 | -€8,764 | -10.0% |
| Amounts payable within one year | 42/48 | €87,655 | €78,891 | -€8,764 | -10.0% |
| Financial debts | 43 | €151 | - | -€151 | |
| Credit institutions | 430/8 | €151 | - | -€151 | |
| Trade debts | 44 | - | €9,991 | +€9,991 | |
| Suppliers | 440/4 | - | €9,991 | +€9,991 | |
| Taxes, remuneration and social security | 45 | €45,282 | €36,872 | -€8,410 | -18.6% |
| Taxes | 450/3 | €4,968 | €10,161 | +€5,193 | +105% |
| Remuneration and social security | 454/9 | €40,313 | €26,711 | -€13,602 | -33.7% |
| Other amounts payable | 47/48 | €42,222 | €32,028 | -€10,194 | -24.1% |
| Remuneration, social security and pensions | 62 | €175,472 | €162,773 | -€12,699 | -7.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €33,296 | €37,129 | +€3,832 | +11.5% |
| Other operating charges | 640/8 | €1,187 | €7,395 | +€6,208 | +523% |
| Gross operating margin | 9900 | €225,018 | €176,346 | -€48,672 | -21.6% |
| Operating profit (loss) | 9901 | €15,064 | -€30,950 | -€46,014 | |
| Financial income | 75/76B | €926 | - | -€926 | |
| Recurring financial income | 75 | €926 | - | -€926 | |
| Financial charges | 65/66B | €286 | €437 | +€152 | +53.1% |
| Recurring financial charges | 65 | €286 | €437 | +€152 | +53.1% |
| Profit (loss) for the period before taxes | 9903 | €15,704 | -€31,387 | -€47,091 | |
| Income taxes | 67/77 | €3,010 | €2,243 | -€767 | -25.5% |
| Profit (loss) for the period | 9904 | €12,694 | -€33,630 | -€46,324 | |
| Profit (loss) for the period to be appropriated | 9905 | €12,694 | -€33,630 | -€46,324 |
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.