Aalter Verzekeringen: 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.
Aalter Verzekeringen
Largest movements
- Cash -€62,556
down €62,556 (-32.7%), from €191,011 to €128,455
mainly Other debts (-€150,803) and Investment in fixed assets (net) (-€41,591)
- Intangible fixed assets -€34,601
down €34,601 (-36.7%), from €94,253 to €59,652
- Deferred charges and accrued income -€4,315
down €4,315 (-11.9%), from €36,295 to €31,979
- Other debts -€150,803
down €150,803 (-89.5%), from €168,583 to €17,780
- Profit (loss) carried forward +€71,164
up €71,164 (+53,564%), from €133 to €71,297
- Debts after one year -€26,301
down €26,301 (-62.6%), from €41,994 to €15,693
- Tax, wage and social debts +€6,711
up €6,711 (+33.7%), from €19,885 to €26,596
of which Taxes: +€4,205
- Depreciation -€40,332
down €40,332 (-34.9%), from €115,620 to €75,288
- Gross operating margin +€38,112
up €38,112 (+14.3%), from €267,106 to €305,218
- Staff costs +€20,100
up €20,100 (+18.9%), from €106,376 to €126,476
- Taxes +€12,208
up €12,208 (+75.7%), from €16,119 to €28,327
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €389,310 | €288,741 | -€100,569 | -25.8% |
| Fixed assets | 21/28 | €162,005 | €128,307 | -€33,698 | -20.8% |
| Intangible fixed assets | 21 | €94,253 | €59,652 | -€34,601 | -36.7% |
| Tangible fixed assets | 22/27 | €67,622 | €68,525 | +€903 | +1.3% |
| Plant, machinery and equipment | 23 | €2,116 | €1,209 | -€907 | -42.9% |
| Furniture and vehicles | 24 | €58,560 | €36,025 | -€22,535 | -38.5% |
| Other tangible fixed assets | 26 | €6,946 | €31,291 | +€24,345 | +351% |
| Financial fixed assets | 28 | €130 | €130 | = | 0.0% |
| Current assets | 29/58 | €227,306 | €160,434 | -€66,871 | -29.4% |
| Cash at bank and in hand | 54/58 | €191,011 | €128,455 | -€62,556 | -32.7% |
| Deferred charges and accrued income | 490/1 | €36,295 | €31,979 | -€4,315 | -11.9% |
| Total equity and liabilities | 10/49 | €389,310 | €288,741 | -€100,569 | -25.8% |
| Equity | 10/15 | €129,946 | €201,110 | +€71,164 | +54.8% |
| Contributions | 10/11 | €5,010 | €5,010 | = | 0.0% |
| Reserves | 13 | €124,803 | €124,803 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1 | - | -€1 | |
| Reserves not available under the articles | 1311 | €1 | - | -€1 | |
| Distributable reserves | 133 | €124,802 | €124,803 | +€1 | 0.0% |
| Profit (loss) carried forward | 14 | €133 | €71,297 | +€71,164 | +53,564% |
| Amounts payable | 17/49 | €259,365 | €87,631 | -€171,733 | -66.2% |
| Amounts payable after more than one year | 17 | €41,994 | €15,693 | -€26,301 | -62.6% |
| Financial debts | 170/4 | €41,994 | €15,693 | -€26,301 | -62.6% |
| Amounts payable within one year | 42/48 | €215,112 | €71,080 | -€144,032 | -67.0% |
| Current portion of amounts payable after more than one year | 42 | €26,004 | €26,301 | +€297 | +1.1% |
| Trade debts | 44 | €641 | €403 | -€237 | -37.0% |
| Suppliers | 440/4 | €641 | €403 | -€237 | -37.0% |
| Taxes, remuneration and social security | 45 | €19,885 | €26,596 | +€6,711 | +33.7% |
| Taxes | 450/3 | €4,239 | €8,444 | +€4,205 | +99.2% |
| Remuneration and social security | 454/9 | €15,646 | €18,151 | +€2,506 | +16.0% |
| Other amounts payable | 47/48 | €168,583 | €17,780 | -€150,803 | -89.5% |
| Accrued charges and deferred income | 492/3 | €2,259 | €859 | -€1,400 | -62.0% |
| Remuneration, social security and pensions | 62 | €106,376 | €126,476 | +€20,100 | +18.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €115,620 | €75,288 | -€40,332 | -34.9% |
| Other operating charges | 640/8 | €2,551 | €3,039 | +€488 | +19.1% |
| Gross operating margin | 9900 | €267,106 | €305,218 | +€38,112 | +14.3% |
| Operating profit (loss) | 9901 | €42,558 | €100,415 | +€57,856 | +136% |
| Financial income | 75/76B | €17 | €3 | -€14 | -80.6% |
| Recurring financial income | 75 | €17 | €3 | -€14 | -80.6% |
| Financial charges | 65/66B | €1,288 | €926 | -€362 | -28.1% |
| Recurring financial charges | 65 | €1,288 | €926 | -€362 | -28.1% |
| Profit (loss) for the period before taxes | 9903 | €41,287 | €99,492 | +€58,204 | +141% |
| Income taxes | 67/77 | €16,119 | €28,327 | +€12,208 | +75.7% |
| Profit (loss) for the period | 9904 | €25,168 | €71,164 | +€45,997 | +183% |
| Profit (loss) for the period to be appropriated | 9905 | €25,168 | €71,164 | +€45,997 | +183% |
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 27 October 2026 via checked.be.