ASSUR DEK: what changed
ASSUR DEK
Largest movements
- Cash -€40,750
down €40,750 (-10.3%), from €395,747 to €354,996
mainly Other debts (-€38,537) and Net result for the year (-€13,986)
- Tangible fixed assets -€12,936
down €12,936 (-25.1%), from €51,442 to €38,506
- Receivables within one year -€6,793
down €6,793 (-14.3%), from €47,579 to €40,786
of which Trade receivables: -€8,793
- Other debts -€38,537
down €38,537 (-10.9%), from €352,080 to €313,543
- Profit (loss) carried forward -€13,986
down €13,986 (-12.4%), from -€112,909 to -€126,895
- Tax, wage and social debts -€7,879
down €7,879 (-36.3%), from €21,697 to €13,817
of which Taxes: -€6,129
- Staff costs +€9,751
up €9,751 (+20.9%), from €46,736 to €56,488
- Gross operating margin -€5,069
down €5,069 (-6.0%), from €84,465 to €79,396
- Taxes -€4,904
down €4,904 (-86.8%), from €5,649 to €744
- Depreciation +€4,296
up €4,296 (+49.7%), from €8,640 to €12,936
- Financial charges -€4,080
down €4,080 (-15.0%), from €27,121 to €23,041
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 | €495,237 | €434,880 | -€60,357 | -12.2% |
| Fixed assets | 21/28 | €51,442 | €38,506 | -€12,936 | -25.1% |
| Tangible fixed assets | 22/27 | €51,442 | €38,506 | -€12,936 | -25.1% |
| Furniture and vehicles | 24 | €51,442 | €38,506 | -€12,936 | -25.1% |
| Current assets | 29/58 | €443,795 | €396,374 | -€47,421 | -10.7% |
| Amounts receivable within one year | 40/41 | €47,579 | €40,786 | -€6,793 | -14.3% |
| Trade receivables | 40 | €47,342 | €38,549 | -€8,793 | -18.6% |
| Other amounts receivable | 41 | €237 | €2,237 | +€2,000 | +843% |
| Cash at bank and in hand | 54/58 | €395,747 | €354,996 | -€40,750 | -10.3% |
| Deferred charges and accrued income | 490/1 | €470 | €592 | +€122 | +26.0% |
| Total equity and liabilities | 10/49 | €495,237 | €434,880 | -€60,357 | -12.2% |
| Equity | 10/15 | €108,091 | €94,105 | -€13,986 | -12.9% |
| Contributions | 10/11 | €200,000 | €200,000 | = | 0.0% |
| Capital | 10 | €200,000 | €200,000 | = | 0.0% |
| Issued capital | 100 | €200,000 | €200,000 | = | 0.0% |
| Reserves | 13 | €21,000 | €21,000 | = | 0.0% |
| Non-distributable reserves | 130/1 | €20,000 | €20,000 | = | 0.0% |
| Legal reserve | 130 | €20,000 | €20,000 | = | 0.0% |
| Distributable reserves | 133 | €1,000 | €1,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€112,909 | -€126,895 | -€13,986 | -12.4% |
| Amounts payable | 17/49 | €387,146 | €340,775 | -€46,370 | -12.0% |
| Amounts payable within one year | 42/48 | €387,137 | €340,775 | -€46,362 | -12.0% |
| Trade debts | 44 | €13,361 | €13,415 | +€55 | +0.4% |
| Suppliers | 440/4 | €13,361 | €13,415 | +€55 | +0.4% |
| Taxes, remuneration and social security | 45 | €21,697 | €13,817 | -€7,879 | -36.3% |
| Taxes | 450/3 | €13,776 | €7,648 | -€6,129 | -44.5% |
| Remuneration and social security | 454/9 | €7,920 | €6,170 | -€1,751 | -22.1% |
| Other amounts payable | 47/48 | €352,080 | €313,543 | -€38,537 | -10.9% |
| Accrued charges and deferred income | 492/3 | €8 | €0 | -€8 | -100% |
| Non-recurring operating income | 76A | €7,850 | €0 | -€7,850 | -100% |
| Remuneration, social security and pensions | 62 | €46,736 | €56,488 | +€9,751 | +20.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €8,640 | €12,936 | +€4,296 | +49.7% |
| Other operating charges | 640/8 | €1,540 | €173 | -€1,367 | -88.8% |
| Gross operating margin | 9900 | €84,465 | €79,396 | -€5,069 | -6.0% |
| Operating profit (loss) | 9901 | €27,548 | €9,799 | -€17,749 | -64.4% |
| Financial charges | 65/66B | €27,121 | €23,041 | -€4,080 | -15.0% |
| Recurring financial charges | 65 | €27,121 | €23,041 | -€4,080 | -15.0% |
| Profit (loss) for the period before taxes | 9903 | €427 | -€13,242 | -€13,669 | |
| Income taxes | 67/77 | €5,649 | €744 | -€4,904 | -86.8% |
| Profit (loss) for the period | 9904 | -€5,222 | -€13,986 | -€8,765 | -168% |
| Profit (loss) for the period to be appropriated | 9905 | -€5,222 | -€13,986 | -€8,765 | -168% |
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.