Assurances BILLE: 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 BILLE
Largest movements
- Cash +€54,391
up €54,391 (+10.3%), from €529,201 to €583,591
mainly Net result for the year (+€179,310) and Trade debts (+€53,271)
- Receivables within one year +€34,729
up €34,729 (+7.8%), from €445,700 to €480,429
of which Other amounts receivable: +€48,135
- Reserves +€69,310
up €69,310 (+5.6%), from €1.2m to €1.3m
of which Distributable reserves: +€69,310
- Trade debts +€53,271
up €53,271 (+620%), from €8,592 to €61,863
- Tax, wage and social debts -€42,475
down €42,475 (-42.1%), from €100,993 to €58,517
of which Taxes: -€41,653
- Gross operating margin +€26,718
up €26,718 (+5.3%), from €500,188 to €526,906
- Staff costs +€22,086
up €22,086 (+10.5%), from €209,885 to €231,971
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 | €1,466,368 | €1,557,078 | +€90,710 | +6.2% |
| Fixed assets | 21/28 | €393,294 | €388,375 | -€4,919 | -1.3% |
| Tangible fixed assets | 22/27 | €71,032 | €66,113 | -€4,919 | -6.9% |
| Plant, machinery and equipment | 23 | €13,247 | €10,046 | -€3,201 | -24.2% |
| Furniture and vehicles | 24 | €57,785 | €56,067 | -€1,718 | -3.0% |
| Financial fixed assets | 28 | €322,262 | €322,262 | = | 0.0% |
| Current assets | 29/58 | €1,073,074 | €1,168,703 | +€95,629 | +8.9% |
| Amounts receivable within one year | 40/41 | €445,700 | €480,429 | +€34,729 | +7.8% |
| Trade receivables | 40 | €165,967 | €152,561 | -€13,406 | -8.1% |
| Other amounts receivable | 41 | €279,733 | €327,868 | +€48,135 | +17.2% |
| Cash at bank and in hand | 54/58 | €529,201 | €583,591 | +€54,391 | +10.3% |
| Deferred charges and accrued income | 490/1 | €98,173 | €104,683 | +€6,510 | +6.6% |
| Total equity and liabilities | 10/49 | €1,466,368 | €1,557,078 | +€90,710 | +6.2% |
| Equity | 10/15 | €1,245,783 | €1,315,093 | +€69,310 | +5.6% |
| Contributions | 10/11 | €18,592 | €18,592 | = | 0.0% |
| Reserves | 13 | €1,227,191 | €1,296,501 | +€69,310 | +5.6% |
| Non-distributable reserves | 130/1 | €1,859 | €1,859 | = | 0.0% |
| Other | 1319 | €1,859 | €1,859 | = | 0.0% |
| Tax-exempt reserves | 132 | €931 | €931 | = | 0.0% |
| Distributable reserves | 133 | €1,224,401 | €1,293,711 | +€69,310 | +5.7% |
| Amounts payable | 17/49 | €220,585 | €241,985 | +€21,401 | +9.7% |
| Amounts payable within one year | 42/48 | €220,585 | €241,381 | +€20,796 | +9.4% |
| Trade debts | 44 | €8,592 | €61,863 | +€53,271 | +620% |
| Suppliers | 440/4 | €8,592 | €61,863 | +€53,271 | +620% |
| Taxes, remuneration and social security | 45 | €100,993 | €58,517 | -€42,475 | -42.1% |
| Taxes | 450/3 | €72,287 | €30,634 | -€41,653 | -57.6% |
| Remuneration and social security | 454/9 | €28,706 | €27,884 | -€822 | -2.9% |
| Other amounts payable | 47/48 | €111,000 | €121,000 | +€10,000 | +9.0% |
| Accrued charges and deferred income | 492/3 | - | €605 | +€605 | |
| Remuneration, social security and pensions | 62 | €209,885 | €231,971 | +€22,086 | +10.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €27,450 | €28,980 | +€1,530 | +5.6% |
| Other operating charges | 640/8 | €8,405 | €7,494 | -€911 | -10.8% |
| Non-recurring operating charges | 66A | - | €590 | +€590 | |
| Gross operating margin | 9900 | €500,188 | €526,906 | +€26,718 | +5.3% |
| Operating profit (loss) | 9901 | €254,449 | €257,872 | +€3,423 | +1.3% |
| Financial income | 75/76B | €13,678 | €13,474 | -€204 | -1.5% |
| Recurring financial income | 75 | €13,678 | €13,474 | -€204 | -1.5% |
| Financial charges | 65/66B | €907 | €1,609 | +€702 | +77.5% |
| Recurring financial charges | 65 | €907 | €1,609 | +€702 | +77.5% |
| Profit (loss) for the period before taxes | 9903 | €267,220 | €269,737 | +€2,517 | +0.9% |
| Income taxes | 67/77 | €91,795 | €90,428 | -€1,368 | -1.5% |
| Profit (loss) for the period | 9904 | €175,425 | €179,310 | +€3,885 | +2.2% |
| Profit (loss) for the period to be appropriated | 9905 | €175,425 | €179,310 | +€3,885 | +2.2% |
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.