ASSUR & VOUS MIEUX: what changed
ASSUR & VOUS MIEUX
Largest movements
- Cash +€113,580
up €113,580 (+40.0%), from €283,985 to €397,565
mainly Net result for the year (+€133,262) and Depreciation (+€88,654)
- Intangible fixed assets -€41,464
down €41,464 (-15.7%), from €263,447 to €221,983
- Tangible fixed assets -€29,690
down €29,690 (-14.0%), from €212,108 to €182,418
of which Leasing and similar rights: -€43,617
- Receivables within one year +€13,417
up €13,417 (+9.8%), from €136,629 to €150,046
of which Other amounts receivable: +€11,749
- Reserves +€133,262
up €133,262 (+36.7%), from €363,336 to €496,599
- Debts after one year -€70,079
down €70,079 (-20.9%), from €336,109 to €266,030
- Tax, wage and social debts -€9,844
down €9,844 (-10.7%), from €92,068 to €82,225
of which Remuneration and social security: -€10,160
- Gross operating margin +€71,194
up €71,194 (+13.0%), from €549,324 to €620,518
- Depreciation +€23,463
up €23,463 (+36.0%), from €65,191 to €88,654
- Taxes +€17,508
up €17,508 (+39.9%), from €43,869 to €61,377
- Staff costs -€11,619
down €11,619 (-3.4%), from €337,480 to €325,861
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 | €897,689 | €954,754 | +€57,065 | +6.4% |
| Fixed assets | 21/28 | €475,555 | €404,401 | -€71,154 | -15.0% |
| Intangible fixed assets | 21 | €263,447 | €221,983 | -€41,464 | -15.7% |
| Tangible fixed assets | 22/27 | €212,108 | €182,418 | -€29,690 | -14.0% |
| Land and buildings | 22 | €6,951 | €23,100 | +€16,149 | +232% |
| Furniture and vehicles | 24 | €6,628 | €4,407 | -€2,221 | -33.5% |
| Leasing and similar rights | 25 | €198,529 | €154,912 | -€43,617 | -22.0% |
| Current assets | 29/58 | €422,134 | €550,353 | +€128,219 | +30.4% |
| Amounts receivable within one year | 40/41 | €136,629 | €150,046 | +€13,417 | +9.8% |
| Trade receivables | 40 | €92,812 | €94,481 | +€1,669 | +1.8% |
| Other amounts receivable | 41 | €43,817 | €55,565 | +€11,749 | +26.8% |
| Cash at bank and in hand | 54/58 | €283,985 | €397,565 | +€113,580 | +40.0% |
| Deferred charges and accrued income | 490/1 | €1,520 | €2,741 | +€1,221 | +80.3% |
| Total equity and liabilities | 10/49 | €897,689 | €954,754 | +€57,065 | +6.4% |
| Equity | 10/15 | €394,140 | €527,402 | +€133,262 | +33.8% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €363,336 | €496,599 | +€133,262 | +36.7% |
| Distributable reserves | 133 | €363,336 | €496,599 | +€133,262 | +36.7% |
| Profit (loss) carried forward | 14 | €12,204 | €12,204 | = | 0.0% |
| Amounts payable | 17/49 | €503,549 | €427,352 | -€76,197 | -15.1% |
| Amounts payable after more than one year | 17 | €336,109 | €266,030 | -€70,079 | -20.9% |
| Financial debts | 170/4 | €336,109 | €266,030 | -€70,079 | -20.9% |
| Amounts payable within one year | 42/48 | €167,440 | €161,322 | -€6,118 | -3.7% |
| Current portion of amounts payable after more than one year | 42 | €68,240 | €70,079 | +€1,839 | +2.7% |
| Trade debts | 44 | €7,131 | €9,018 | +€1,887 | +26.5% |
| Suppliers | 440/4 | €7,131 | €9,018 | +€1,887 | +26.5% |
| Taxes, remuneration and social security | 45 | €92,068 | €82,225 | -€9,844 | -10.7% |
| Taxes | 450/3 | €40,213 | €40,529 | +€316 | +0.8% |
| Remuneration and social security | 454/9 | €51,856 | €41,696 | -€10,160 | -19.6% |
| Non-recurring operating income | 76A | €9,000 | €0 | -€9,000 | -100% |
| Remuneration, social security and pensions | 62 | €337,480 | €325,861 | -€11,619 | -3.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €65,191 | €88,654 | +€23,463 | +36.0% |
| Other operating charges | 640/8 | €476 | €1,395 | +€919 | +193% |
| Non-recurring operating charges | 66A | €1,653 | €0 | -€1,653 | -100% |
| Gross operating margin | 9900 | €549,324 | €620,518 | +€71,194 | +13.0% |
| Operating profit (loss) | 9901 | €144,524 | €204,608 | +€60,084 | +41.6% |
| Financial income | 75/76B | €1,200 | €1,673 | +€473 | +39.4% |
| Recurring financial income | 75 | €1,200 | €1,673 | +€473 | +39.4% |
| Financial charges | 65/66B | €10,427 | €11,642 | +€1,216 | +11.7% |
| Recurring financial charges | 65 | €10,427 | €11,642 | +€1,216 | +11.7% |
| Profit (loss) for the period before taxes | 9903 | €135,298 | €194,639 | +€59,341 | +43.9% |
| Income taxes | 67/77 | €43,869 | €61,377 | +€17,508 | +39.9% |
| Profit (loss) for the period | 9904 | €91,429 | €133,262 | +€41,833 | +45.8% |
| Profit (loss) for the period to be appropriated | 9905 | €91,429 | €133,262 | +€41,833 | +45.8% |
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 4 November 2026 via checked.be.