ACTINSURE: what changed
Two fiscal 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.
ACTINSURE
Largest movements
- Receivables within one year +€75,037
up €75,037 (+189.9%), from €39,522 to €114,558
of which Other amounts receivable: +€96,941
- Cash +€53,166
up €53,166 (+36.8%), from €144,279 to €197,446
mainly Net result for the year (+€134,482) and Depreciation (+€6,081)
- Profit (loss) carried forward +€134,482
up €134,482 (+99.2%), from €135,560 to €270,041
- Other debts -€11,212
no longer reported in 2025 (was €11,212)
- Financial income +€2,626
up €2,626 (+1050560.0%), from €0 to €2,627
- Depreciation +€1,861
up €1,861 (+44.1%), from €4,220 to €6,081
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.
Cash bridge derived
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 | €198,326 | €325,975 | +€127,649 | +64.4% |
| Fixed assets | 21/28 | €14,525 | €13,854 | -€671 | -4.6% |
| Tangible fixed assets | 22/27 | €14,525 | €13,854 | -€671 | -4.6% |
| Furniture and vehicles | 24 | €14,525 | €13,854 | -€671 | -4.6% |
| Current assets | 29/58 | €183,801 | €312,121 | +€128,320 | +69.8% |
| Amounts receivable within one year | 40/41 | €39,522 | €114,558 | +€75,037 | +189.9% |
| Trade receivables | 40 | €39,522 | €17,618 | -€21,904 | -55.4% |
| Other amounts receivable | 41 | - | €96,941 | +€96,941 | |
| Cash at bank and in hand | 54/58 | €144,279 | €197,446 | +€53,166 | +36.8% |
| Deferred charges and accrued income | 490/1 | - | €117 | +€117 | |
| Total equity and liabilities | 10/49 | €198,326 | €325,975 | +€127,649 | +64.4% |
| Equity | 10/15 | €135,560 | €271,041 | +€135,482 | +99.9% |
| Contributions | 10/11 | - | €1,000 | +€1,000 | |
| Profit (loss) carried forward | 14 | €135,560 | €270,041 | +€134,482 | +99.2% |
| Amounts payable | 17/49 | €62,766 | €54,934 | -€7,833 | -12.5% |
| Amounts payable within one year | 42/48 | €62,766 | €54,934 | -€7,833 | -12.5% |
| Financial debts | 43 | - | €13 | +€13 | |
| Credit institutions | 430/8 | - | €13 | +€13 | |
| Trade debts | 44 | €1,310 | €4,339 | +€3,029 | +231.2% |
| Suppliers | 440/4 | €1,310 | €4,339 | +€3,029 | +231.2% |
| Taxes, remuneration and social security | 45 | €50,244 | €50,582 | +€338 | +0.7% |
| Taxes | 450/3 | €50,244 | €50,582 | +€338 | +0.7% |
| Other amounts payable | 47/48 | €11,212 | - | -€11,212 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €4,220 | €6,081 | +€1,861 | +44.1% |
| Other operating charges | 640/8 | €70 | - | -€70 | |
| Gross operating margin | 9900 | €179,660 | €178,197 | -€1,463 | -0.8% |
| Operating profit (loss) | 9901 | €175,370 | €172,116 | -€3,254 | -1.9% |
| Financial income | 75/76B | €0 | €2,627 | +€2,626 | +1050560.0% |
| Recurring financial income | 75 | €0 | €2,627 | +€2,626 | +1050560.0% |
| Financial charges | 65/66B | €264 | €627 | +€364 | +138.0% |
| Recurring financial charges | 65 | €264 | €627 | +€364 | +138.0% |
| Profit (loss) for the period before taxes | 9903 | €175,107 | €174,116 | -€991 | -0.6% |
| Income taxes | 67/77 | €39,547 | €39,634 | +€87 | +0.2% |
| Profit (loss) for the period | 9904 | €135,560 | €134,482 | -€1,078 | -0.8% |
| Profit (loss) for the period to be appropriated | 9905 | €135,560 | €134,482 | -€1,078 | -0.8% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 3 October 2026 via checked.be.