A & G VERZEKERINGEN: what changed
A & G VERZEKERINGEN
Largest movements
- Receivables within one year +€64,285
up €64,285 (+24.1%), from €267,083 to €331,368
of which Other amounts receivable: +€43,109
- Intangible fixed assets -€36,000
down €36,000 (-18.8%), from €191,902 to €155,902
- Cash -€14,736
down €14,736 (-64.0%), from €23,017 to €8,281
mainly Accrued charges and deferred income (-€150,667) and Contributions, distributions and other (-€78,000)
- Other debts +€202,257
up €202,257 (+352%), from €57,500 to €259,757
- Accrued charges and deferred income -€150,667
no longer reported in 2025 (was €150,667)
- Debts after one year -€39,479
down €39,479 (-20.8%), from €190,240 to €150,761
- Gross operating margin +€18,704
up €18,704 (+18.1%), from €103,590 to €122,294
- Taxes -€4,040
down €4,040 (-82.2%), from €4,912 to €872
- Financial charges -€3,757
down €3,757 (-48.9%), from €7,677 to €3,920
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €486,625 | €500,173 | +€13,549 | +2.8% |
| Fixed assets | 21/28 | €195,512 | €159,512 | -€36,000 | -18.4% |
| Intangible fixed assets | 21 | €191,902 | €155,902 | -€36,000 | -18.8% |
| Financial fixed assets | 28 | €3,611 | €3,611 | = | 0.0% |
| Current assets | 29/58 | €291,112 | €340,661 | +€49,549 | +17.0% |
| Amounts receivable within one year | 40/41 | €267,083 | €331,368 | +€64,285 | +24.1% |
| Trade receivables | 40 | €164,301 | €185,477 | +€21,176 | +12.9% |
| Other amounts receivable | 41 | €102,781 | €145,891 | +€43,109 | +41.9% |
| Cash at bank and in hand | 54/58 | €23,017 | €8,281 | -€14,736 | -64.0% |
| Deferred charges and accrued income | 490/1 | €1,012 | €1,012 | = | 0.0% |
| Total equity and liabilities | 10/49 | €486,625 | €500,173 | +€13,549 | +2.8% |
| Equity | 10/15 | €48,320 | €49,424 | +€1,104 | +2.3% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | - | €1,860 | +€1,860 | |
| Reserves not available under the articles | 1311 | - | €1,860 | +€1,860 | |
| Distributable reserves | 133 | €1,860 | - | -€1,860 | |
| Profit (loss) carried forward | 14 | €27,860 | €28,964 | +€1,104 | +4.0% |
| Amounts payable | 17/49 | €438,304 | €450,749 | +€12,445 | +2.8% |
| Amounts payable after more than one year | 17 | €190,240 | €150,761 | -€39,479 | -20.8% |
| Financial debts | 170/4 | €190,240 | €150,761 | -€39,479 | -20.8% |
| Amounts payable within one year | 42/48 | €97,397 | €299,988 | +€202,592 | +208% |
| Current portion of amounts payable after more than one year | 42 | €38,800 | €39,479 | +€679 | +1.8% |
| Trade debts | 44 | €310 | €379 | +€69 | +22.3% |
| Suppliers | 440/4 | €310 | €379 | +€69 | +22.3% |
| Taxes, remuneration and social security | 45 | €786 | €372 | -€414 | -52.7% |
| Taxes | 450/3 | €786 | €372 | -€414 | -52.7% |
| Other amounts payable | 47/48 | €57,500 | €259,757 | +€202,257 | +352% |
| Accrued charges and deferred income | 492/3 | €150,667 | - | -€150,667 | |
| Remuneration, social security and pensions | 62 | €716 | €700 | -€16 | -2.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €36,000 | €36,000 | = | 0.0% |
| Other operating charges | 640/8 | €505 | €520 | +€14 | +2.8% |
| Non-recurring operating charges | 66A | €124 | €1,178 | +€1,054 | +849% |
| Gross operating margin | 9900 | €103,590 | €122,294 | +€18,704 | +18.1% |
| Operating profit (loss) | 9901 | €66,244 | €83,896 | +€17,652 | +26.6% |
| Financial charges | 65/66B | €7,677 | €3,920 | -€3,757 | -48.9% |
| Recurring financial charges | 65 | €7,677 | €3,920 | -€3,757 | -48.9% |
| Profit (loss) for the period before taxes | 9903 | €58,567 | €79,976 | +€21,409 | +36.6% |
| Income taxes | 67/77 | €4,912 | €872 | -€4,040 | -82.2% |
| Profit (loss) for the period | 9904 | €53,655 | €79,104 | +€25,449 | +47.4% |
| Profit (loss) for the period to be appropriated | 9905 | €53,655 | €79,104 | +€25,449 | +47.4% |
Next steps
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 7 November 2026 via checked.be.