ASSURANCES 2000: 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.
ASSURANCES 2000
Largest movements
- Receivables after one year -€150,750
down €150,750 (-47.0%), from €320,405 to €169,655
- Cash +€96,164
up €96,164 (+30.9%), from €311,054 to €407,218
mainly Receivables after one year (+€150,750) and Net result for the year (+€95,208)
- Receivables within one year -€26,735
down €26,735 (-36.1%), from €73,958 to €47,223
of which Trade receivables: -€28,854
- Other debts -€160,258
down €160,258 (-88.7%), from €180,588 to €20,330
- Reserves +€95,200
up €95,200 (+20.2%), from €471,358 to €566,558
- Tax, wage and social debts -€22,719
down €22,719 (-70.7%), from €32,149 to €9,431
- Gross operating margin -€4,278
down €4,278 (-3.0%), from €143,003 to €138,725
- Financial income -€2,959
down €2,959 (-42.2%), from €7,011 to €4,052
- Taxes -€1,549
down €1,549 (-3.5%), from €44,431 to €42,881
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 | €813,525 | €723,445 | -€90,080 | -11.1% |
| Fixed assets | 21/28 | €74,732 | €72,789 | -€1,942 | -2.6% |
| Tangible fixed assets | 22/27 | €74,732 | €72,789 | -€1,942 | -2.6% |
| Furniture and vehicles | 24 | €74,732 | €72,789 | -€1,942 | -2.6% |
| Current assets | 29/58 | €738,793 | €650,655 | -€88,138 | -11.9% |
| Amounts receivable after more than one year | 29 | €320,405 | €169,655 | -€150,750 | -47.0% |
| Other amounts receivable | 291 | €320,405 | €169,655 | -€150,750 | -47.0% |
| Amounts receivable within one year | 40/41 | €73,958 | €47,223 | -€26,735 | -36.1% |
| Trade receivables | 40 | €73,918 | €45,064 | -€28,854 | -39.0% |
| Other amounts receivable | 41 | €40 | €2,159 | +€2,119 | +5,271% |
| Cash at bank and in hand | 54/58 | €311,054 | €407,218 | +€96,164 | +30.9% |
| Deferred charges and accrued income | 490/1 | €33,376 | €26,560 | -€6,816 | -20.4% |
| Total equity and liabilities | 10/49 | €813,525 | €723,445 | -€90,080 | -11.1% |
| Equity | 10/15 | €521,898 | €617,106 | +€95,208 | +18.2% |
| Contributions | 10/11 | €49,579 | €49,579 | = | 0.0% |
| Reserves | 13 | €471,358 | €566,558 | +€95,200 | +20.2% |
| Distributable reserves | 133 | €471,358 | €566,558 | +€95,200 | +20.2% |
| Profit (loss) carried forward | 14 | €961 | €969 | +€8 | +0.8% |
| Amounts payable | 17/49 | €291,627 | €106,339 | -€185,288 | -63.5% |
| Amounts payable within one year | 42/48 | €291,627 | €106,339 | -€185,288 | -63.5% |
| Trade debts | 44 | €78,890 | €76,579 | -€2,311 | -2.9% |
| Suppliers | 440/4 | €78,890 | €76,579 | -€2,311 | -2.9% |
| Taxes, remuneration and social security | 45 | €32,149 | €9,431 | -€22,719 | -70.7% |
| Taxes | 450/3 | €32,149 | €9,431 | -€22,719 | -70.7% |
| Other amounts payable | 47/48 | €180,588 | €20,330 | -€160,258 | -88.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,969 | €1,942 | -€26 | -1.3% |
| Other operating charges | 640/8 | €2,072 | €2,020 | -€52 | -2.5% |
| Gross operating margin | 9900 | €143,003 | €138,725 | -€4,278 | -3.0% |
| Operating profit (loss) | 9901 | €138,962 | €134,763 | -€4,200 | -3.0% |
| Financial income | 75/76B | €7,011 | €4,052 | -€2,959 | -42.2% |
| Recurring financial income | 75 | €7,011 | €4,052 | -€2,959 | -42.2% |
| Financial charges | 65/66B | €204 | €726 | +€522 | +256% |
| Recurring financial charges | 65 | €204 | €726 | +€522 | +256% |
| Profit (loss) for the period before taxes | 9903 | €145,769 | €138,089 | -€7,680 | -5.3% |
| Income taxes | 67/77 | €44,431 | €42,881 | -€1,549 | -3.5% |
| Profit (loss) for the period | 9904 | €101,339 | €95,208 | -€6,131 | -6.0% |
| Profit (loss) for the period to be appropriated | 9905 | €101,339 | €95,208 | -€6,131 | -6.0% |
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 13 October 2026 via checked.be.