ALL INSURE: 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.
ALL INSURE
Largest movements
- Receivables after one year +€60,366
new in 2025: €60,366
- Receivables within one year -€29,894
down €29,894 (-60.0%), from €49,806 to €19,912
of which Trade receivables: -€49,806
- Cash -€27,415
down €27,415 (-59.5%), from €46,089 to €18,674
mainly Receivables after one year (-€60,366) and Deferred charges and accrued income (-€16,817)
- Deferred charges and accrued income +€16,817
up €16,817 (+469%), from €3,589 to €20,406
- Tax, wage and social debts +€15,585
up €15,585 (+45.8%), from €34,033 to €49,618
of which Taxes: +€10,786
- Profit (loss) carried forward +€6,599
up €6,599 (+10.1%), from €65,461 to €72,060
- Trade debts -€2,391
down €2,391 (-60.6%), from €3,946 to €1,555
- Gross operating margin -€41,371
down €41,371 (-31.2%), from €132,460 to €91,089
- Staff costs +€32,442
up €32,442 (+128%), from €25,359 to €57,801
- Taxes +€1,384
up €1,384 (+6.3%), from €22,000 to €23,384
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 | €109,750 | €129,543 | +€19,793 | +18.0% |
| Fixed assets | 21/28 | €10,266 | €10,184 | -€82 | -0.8% |
| Tangible fixed assets | 22/27 | €8,156 | €8,074 | -€82 | -1.0% |
| Furniture and vehicles | 24 | - | €1,202 | +€1,202 | |
| Other tangible fixed assets | 26 | €8,156 | €6,872 | -€1,284 | -15.7% |
| Financial fixed assets | 28 | €2,110 | €2,110 | = | 0.0% |
| Current assets | 29/58 | €99,484 | €119,359 | +€19,875 | +20.0% |
| Amounts receivable after more than one year | 29 | - | €60,366 | +€60,366 | |
| Other amounts receivable | 291 | - | €60,366 | +€60,366 | |
| Amounts receivable within one year | 40/41 | €49,806 | €19,912 | -€29,894 | -60.0% |
| Trade receivables | 40 | €49,806 | €0 | -€49,806 | -100% |
| Other amounts receivable | 41 | - | €19,912 | +€19,912 | |
| Cash at bank and in hand | 54/58 | €46,089 | €18,674 | -€27,415 | -59.5% |
| Deferred charges and accrued income | 490/1 | €3,589 | €20,406 | +€16,817 | +469% |
| Total equity and liabilities | 10/49 | €109,750 | €129,543 | +€19,793 | +18.0% |
| Equity | 10/15 | €71,771 | €78,370 | +€6,599 | +9.2% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €110 | €110 | = | 0.0% |
| Non-distributable reserves | 130/1 | €110 | - | -€110 | |
| Reserves not available under the articles | 1311 | €110 | - | -€110 | |
| Distributable reserves | 133 | - | €110 | +€110 | |
| Profit (loss) carried forward | 14 | €65,461 | €72,060 | +€6,599 | +10.1% |
| Amounts payable | 17/49 | €37,979 | €51,173 | +€13,194 | +34.7% |
| Amounts payable within one year | 42/48 | €37,979 | €51,173 | +€13,194 | +34.7% |
| Trade debts | 44 | €3,946 | €1,555 | -€2,391 | -60.6% |
| Suppliers | 440/4 | €3,946 | €1,555 | -€2,391 | -60.6% |
| Taxes, remuneration and social security | 45 | €34,033 | €49,618 | +€15,585 | +45.8% |
| Taxes | 450/3 | €28,953 | €39,739 | +€10,786 | +37.3% |
| Remuneration and social security | 454/9 | €5,080 | €9,878 | +€4,798 | +94.5% |
| Remuneration, social security and pensions | 62 | €25,359 | €57,801 | +€32,442 | +128% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,284 | €1,411 | +€127 | +9.9% |
| Other operating charges | 640/8 | €2,222 | €1,714 | -€508 | -22.9% |
| Gross operating margin | 9900 | €132,460 | €91,089 | -€41,371 | -31.2% |
| Operating profit (loss) | 9901 | €103,595 | €30,162 | -€73,433 | -70.9% |
| Financial income | 75/76B | - | €834 | +€834 | |
| Recurring financial income | 75 | - | €834 | +€834 | |
| Financial charges | 65/66B | €1,763 | €1,013 | -€750 | -42.6% |
| Recurring financial charges | 65 | €1,763 | €1,013 | -€750 | -42.6% |
| Profit (loss) for the period before taxes | 9903 | €101,832 | €29,984 | -€71,848 | -70.6% |
| Income taxes | 67/77 | €22,000 | €23,384 | +€1,384 | +6.3% |
| Profit (loss) for the period | 9904 | €79,832 | €6,600 | -€73,232 | -91.7% |
| Profit (loss) for the period to be appropriated | 9905 | €79,832 | €6,600 | -€73,232 | -91.7% |
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 15 October 2026 via checked.be.