ASSURANCES CLUYSEN: what changed
What changed
ASSURANCES CLUYSEN
filed annual accounts (NBB)
Net result for the year
€50,679
2024 · €59,129-€8,451
Equity
€282,162
2024 · €232,316+€49,846
Cash
€126,359
2024 · €113,991+€12,368
Balance sheet total
€355,602
2024 · €298,312+€57,289
Largest movements
Assets
- Current investments +€44,483
up €44,483 (+28.4%), from €156,886 to €201,369
- Cash +€12,368
up €12,368 (+10.8%), from €113,991 to €126,359
mainly Net result for the year (+€50,679) and Other debts (+€4,893)
Equity and liabilities
- Reserves +€49,846
up €49,846 (+25.5%), from €195,497 to €245,343
of which Distributable reserves: +€49,846
- Other debts +€4,893
up €4,893 (+234%), from €2,087 to €6,980
Income statement
- Financial income -€7,060
down €7,060 (-78.0%), from €9,053 to €1,993
- Gross operating margin -€3,302
down €3,302 (-4.1%), from €81,411 to €78,109
- Taxes -€3,132
down €3,132 (-13.6%), from €23,100 to €19,968
- Depreciation +€1,078
up €1,078 (+29.4%), from €3,661 to €4,738
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.
Result 2024
€59,129
Gross operating margin
-€3,302
Depreciation
-€1,078
Other operating charges
-€108
Financial income
-€7,060
Financial charges
-€34
Taxes
+€3,132
Result 2025
€50,679
raises the resultlowers the result
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.
From operations
+€60,417
Investment
-€47,216
Financing
-€833
Cash 2024
€113,991
From operations (derived)
+€60,417
Net result for the year
+€50,679
Depreciation
+€4,738
Receivables within one year
-€2,247
Deferred charges and accrued income
-€197
Tax, wage and social debts
+€2,549
Other debts
+€4,893
Accrued charges and deferred income
+€1
Investment (derived)
-€47,216
Investment in fixed assets (net)
-€2,733
Current investments
-€44,483
Financing
-€833
Contributions, distributions and other
-€833
Cash 2025
€126,359
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €298,312 | €355,602 | +€57,289 | +19.2% |
| Fixed assets | 21/28 | €24,996 | €22,991 | -€2,005 | -8.0% |
| Tangible fixed assets | 22/27 | €21,285 | €19,280 | -€2,005 | -9.4% |
| Furniture and vehicles | 24 | - | €1,930 | +€1,930 | |
| Other tangible fixed assets | 26 | €21,285 | €17,350 | -€3,935 | -18.5% |
| Financial fixed assets | 28 | €3,711 | €3,711 | = | 0.0% |
| Current assets | 29/58 | €273,317 | €332,611 | +€59,294 | +21.7% |
| Amounts receivable within one year | 40/41 | €1,740 | €3,987 | +€2,247 | +129% |
| Other amounts receivable | 41 | €1,740 | €3,987 | +€2,247 | +129% |
| Current investments | 50/53 | €156,886 | €201,369 | +€44,483 | +28.4% |
| Cash at bank and in hand | 54/58 | €113,991 | €126,359 | +€12,368 | +10.8% |
| Deferred charges and accrued income | 490/1 | €699 | €896 | +€197 | +28.2% |
| Total equity and liabilities | 10/49 | €298,312 | €355,602 | +€57,289 | +19.2% |
| Equity | 10/15 | €232,316 | €282,162 | +€49,846 | +21.5% |
| Contributions | 10/11 | €33,466 | €33,466 | = | 0.0% |
| Reserves | 13 | €195,497 | €245,343 | +€49,846 | +25.5% |
| Non-distributable reserves | 130/1 | €3,347 | €3,347 | = | 0.0% |
| Reserves not available under the articles | 1311 | €3,347 | €3,347 | = | 0.0% |
| Distributable reserves | 133 | €192,151 | €241,996 | +€49,846 | +25.9% |
| Profit (loss) carried forward | 14 | €3,354 | €3,354 | = | 0.0% |
| Amounts payable | 17/49 | €65,996 | €73,439 | +€7,444 | +11.3% |
| Amounts payable after more than one year | 17 | €46,500 | €46,500 | = | 0.0% |
| Financial debts | 170/4 | €46,500 | €46,500 | = | 0.0% |
| Amounts payable within one year | 42/48 | €16,215 | €23,657 | +€7,442 | +45.9% |
| Taxes, remuneration and social security | 45 | €14,128 | €16,678 | +€2,549 | +18.0% |
| Taxes | 450/3 | €14,128 | €16,678 | +€2,549 | +18.0% |
| Other amounts payable | 47/48 | €2,087 | €6,980 | +€4,893 | +234% |
| Accrued charges and deferred income | 492/3 | €3,281 | €3,282 | +€1 | 0.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,661 | €4,738 | +€1,078 | +29.4% |
| Other operating charges | 640/8 | €755 | €863 | +€108 | +14.3% |
| Gross operating margin | 9900 | €81,411 | €78,109 | -€3,302 | -4.1% |
| Operating profit (loss) | 9901 | €76,995 | €72,507 | -€4,488 | -5.8% |
| Financial income | 75/76B | €9,053 | €1,993 | -€7,060 | -78.0% |
| Recurring financial income | 75 | €9,053 | €1,993 | -€7,060 | -78.0% |
| Financial charges | 65/66B | €3,819 | €3,853 | +€34 | +0.9% |
| Recurring financial charges | 65 | €3,819 | €3,853 | +€34 | +0.9% |
| Profit (loss) for the period before taxes | 9903 | €82,229 | €70,647 | -€11,582 | -14.1% |
| Income taxes | 67/77 | €23,100 | €19,968 | -€3,132 | -13.6% |
| Profit (loss) for the period | 9904 | €59,129 | €50,679 | -€8,451 | -14.3% |
| Profit (loss) for the period to be appropriated | 9905 | €59,129 | €50,679 | -€8,451 | -14.3% |
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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.