Assurances Chalon: 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 Chalon
Largest movements
- Cash -€21,101
down €21,101 (-78.1%), from €27,027 to €5,925
mainly Net result for the year (-€25,042) and Debts after one year (-€5,276)
- Tangible fixed assets -€8,377
down €8,377 (-15.4%), from €54,277 to €45,900
of which Other tangible fixed assets: -€6,917
- Deferred charges and accrued income +€3,210
up €3,210 (+28.6%), from €11,213 to €14,423
- Profit (loss) carried forward -€25,042
down €25,042 (-84.8%), from €29,528 to €4,486
- Debts after one year -€5,276
down €5,276 (-11.9%), from €44,482 to €39,206
- Other debts +€3,501
up €3,501 (+334%), from €1,048 to €4,549
- Other operating charges -€7,906
down €7,906 (-84.7%), from €9,333 to €1,427
- Depreciation -€7,035
down €7,035 (-37.8%), from €18,589 to €11,554
- Financial charges +€3,805
up €3,805 (+141%), from €2,706 to €6,510
- Taxes -€2,618
no longer reported in 2025 (was €2,618)
- Gross operating margin -€1,900
down €1,900 (-3.3%), from €56,855 to €54,955
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 | €98,253 | €72,698 | -€25,554 | -26.0% |
| Fixed assets | 21/28 | €57,727 | €49,350 | -€8,377 | -14.5% |
| Tangible fixed assets | 22/27 | €54,277 | €45,900 | -€8,377 | -15.4% |
| Furniture and vehicles | 24 | €2,863 | €1,403 | -€1,461 | -51.0% |
| Other tangible fixed assets | 26 | €51,414 | €44,497 | -€6,917 | -13.5% |
| Financial fixed assets | 28 | €3,450 | €3,450 | = | 0.0% |
| Current assets | 29/58 | €40,526 | €23,349 | -€17,177 | -42.4% |
| Amounts receivable within one year | 40/41 | €2,286 | €3,000 | +€714 | +31.2% |
| Other amounts receivable | 41 | €2,286 | €3,000 | +€714 | +31.2% |
| Cash at bank and in hand | 54/58 | €27,027 | €5,925 | -€21,101 | -78.1% |
| Deferred charges and accrued income | 490/1 | €11,213 | €14,423 | +€3,210 | +28.6% |
| Total equity and liabilities | 10/49 | €98,253 | €72,698 | -€25,554 | -26.0% |
| Equity | 10/15 | €36,832 | €11,790 | -€25,042 | -68.0% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Contributions outside capital | 11 | €6,200 | €6,200 | = | 0.0% |
| Other | 1109/19 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €1,104 | €1,104 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,104 | €1,104 | = | 0.0% |
| Legal reserve | 130 | €1,104 | €1,104 | = | 0.0% |
| Profit (loss) carried forward | 14 | €29,528 | €4,486 | -€25,042 | -84.8% |
| Amounts payable | 17/49 | €61,420 | €60,909 | -€512 | -0.8% |
| Amounts payable after more than one year | 17 | €44,482 | €39,206 | -€5,276 | -11.9% |
| Financial debts | 170/4 | €44,482 | €39,206 | -€5,276 | -11.9% |
| Amounts payable within one year | 42/48 | €16,939 | €21,703 | +€4,764 | +28.1% |
| Current portion of amounts payable after more than one year | 42 | €4,779 | €5,276 | +€497 | +10.4% |
| Trade debts | 44 | €1,975 | €2,858 | +€883 | +44.7% |
| Suppliers | 440/4 | €1,975 | €2,858 | +€883 | +44.7% |
| Taxes, remuneration and social security | 45 | €9,136 | €9,019 | -€117 | -1.3% |
| Remuneration and social security | 454/9 | €9,136 | €9,019 | -€117 | -1.3% |
| Other amounts payable | 47/48 | €1,048 | €4,549 | +€3,501 | +334% |
| Non-recurring operating income | 76A | - | €7,072 | +€7,072 | |
| Remuneration, social security and pensions | 62 | €22,123 | €23,838 | +€1,715 | +7.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €18,589 | €11,554 | -€7,035 | -37.8% |
| Other operating charges | 640/8 | €9,333 | €1,427 | -€7,906 | -84.7% |
| Non-recurring operating charges | 66A | - | €36,668 | +€36,668 | |
| Gross operating margin | 9900 | €56,855 | €54,955 | -€1,900 | -3.3% |
| Operating profit (loss) | 9901 | €6,810 | -€18,532 | -€25,342 | |
| Financial income | 75/76B | €491 | - | -€491 | |
| Recurring financial income | 75 | €491 | - | -€491 | |
| Financial charges | 65/66B | €2,706 | €6,510 | +€3,805 | +141% |
| Recurring financial charges | 65 | €2,706 | €6,510 | +€3,805 | +141% |
| Profit (loss) for the period before taxes | 9903 | €4,596 | -€25,042 | -€29,638 | |
| Income taxes | 67/77 | €2,618 | - | -€2,618 | |
| Profit (loss) for the period | 9904 | €1,978 | -€25,042 | -€27,021 | |
| Profit (loss) for the period to be appropriated | 9905 | €1,978 | -€25,042 | -€27,021 |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 14 October 2026 via checked.be.