AGILIS Assurances: 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.
AGILIS Assurances
Largest movements
- Intangible fixed assets -€78,068
down €78,068 (-10.7%), from €730,101 to €652,034
- Cash +€26,595
up €26,595 (+45.9%), from €57,979 to €84,574
mainly Trade debts (+€95,081) and Depreciation (+€78,068)
- Receivables within one year +€16,901
up €16,901 (+37.8%), from €44,696 to €61,597
of which Trade receivables: +€16,730
- Trade debts +€95,081
up €95,081 (+3,568%), from €2,665 to €97,745
- Other debts -€73,135
down €73,135 (-99.9%), from €73,229 to €94
- Debts after one year -€69,586
down €69,586 (-10.3%), from €675,076 to €605,490
- Gross operating margin +€48,499
up €48,499 (+37.2%), from €130,375 to €178,873
- Depreciation +€27,492
up €27,492 (+54.4%), from €50,576 to €78,068
- Staff costs +€11,069
up €11,069 (+21.1%), from €52,584 to €63,653
- Financial charges +€9,321
up €9,321 (+53.6%), from €17,395 to €26,716
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 | €833,172 | €798,323 | -€34,849 | -4.2% |
| Fixed assets | 21/28 | €730,101 | €652,034 | -€78,068 | -10.7% |
| Intangible fixed assets | 21 | €730,101 | €652,034 | -€78,068 | -10.7% |
| Current assets | 29/58 | €103,071 | €146,290 | +€43,219 | +41.9% |
| Amounts receivable within one year | 40/41 | €44,696 | €61,597 | +€16,901 | +37.8% |
| Trade receivables | 40 | €44,696 | €61,426 | +€16,730 | +37.4% |
| Other amounts receivable | 41 | - | €171 | +€171 | |
| Cash at bank and in hand | 54/58 | €57,979 | €84,574 | +€26,595 | +45.9% |
| Deferred charges and accrued income | 490/1 | €396 | €119 | -€277 | -69.9% |
| Total equity and liabilities | 10/49 | €833,172 | €798,323 | -€34,849 | -4.2% |
| Equity | 10/15 | €11,187 | €14,554 | +€3,368 | +30.1% |
| Contributions | 10/11 | €4,500 | €4,500 | = | 0.0% |
| Profit (loss) carried forward | 14 | €6,687 | €10,054 | +€3,368 | +50.4% |
| Amounts payable | 17/49 | €821,986 | €783,769 | -€38,217 | -4.6% |
| Amounts payable after more than one year | 17 | €675,076 | €605,490 | -€69,586 | -10.3% |
| Financial debts | 170/4 | €675,076 | €605,490 | -€69,586 | -10.3% |
| Amounts payable within one year | 42/48 | €146,910 | €178,279 | +€31,369 | +21.4% |
| Current portion of amounts payable after more than one year | 42 | €67,041 | €69,586 | +€2,545 | +3.8% |
| Trade debts | 44 | €2,665 | €97,745 | +€95,081 | +3,568% |
| Suppliers | 440/4 | €2,665 | €97,745 | +€95,081 | +3,568% |
| Taxes, remuneration and social security | 45 | €3,975 | €10,854 | +€6,879 | +173% |
| Taxes | 450/3 | €2,087 | €2,312 | +€226 | +10.8% |
| Remuneration and social security | 454/9 | €1,888 | €8,541 | +€6,654 | +352% |
| Other amounts payable | 47/48 | €73,229 | €94 | -€73,135 | -99.9% |
| Remuneration, social security and pensions | 62 | €52,584 | €63,653 | +€11,069 | +21.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €50,576 | €78,068 | +€27,492 | +54.4% |
| Other operating charges | 640/8 | €1,047 | €1,058 | +€12 | +1.1% |
| Non-recurring operating charges | 66A | - | €3,698 | +€3,698 | |
| Gross operating margin | 9900 | €130,375 | €178,873 | +€48,499 | +37.2% |
| Operating profit (loss) | 9901 | €26,168 | €32,396 | +€6,228 | +23.8% |
| Financial charges | 65/66B | €17,395 | €26,716 | +€9,321 | +53.6% |
| Recurring financial charges | 65 | €17,395 | €26,716 | +€9,321 | +53.6% |
| Profit (loss) for the period before taxes | 9903 | €8,774 | €5,680 | -€3,093 | -35.3% |
| Income taxes | 67/77 | €2,087 | €2,312 | +€226 | +10.8% |
| Profit (loss) for the period | 9904 | €6,687 | €3,368 | -€3,319 | -49.6% |
| Profit (loss) for the period to be appropriated | 9905 | €6,687 | €3,368 | -€3,319 | -49.6% |
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 23 October 2026 via checked.be.