ASSURANCES,CREDITS SERVICES: 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,CREDITS SERVICES
Largest movements
No asset line moved by more than 1% of the balance sheet total.
- Profit (loss) carried forward -€2,353
down €2,353 (-14.0%), from -€16,835 to -€19,188
- Other debts +€2,159
up €2,159 (+20.6%), from €10,505 to €12,664
- Trade debts +€194
up €194 (+149%), from €130 to €324
- Other operating charges +€2,159
new in 2023: €2,159
- Gross operating margin -€137
down €137 (-240%), from -€57 to -€194
From the 2022 result to the 2023 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
Cash or the result is not a separate line in both sets of accounts; the cash flow cannot be derived from them.
Every line side by side
| Line | Code | 2022 | 2023 | Change | % |
|---|---|---|---|---|---|
| Equity | 10/15 | -€10,635 | -€12,988 | -€2,353 | -22.1% |
| 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% |
| Profit (loss) carried forward | 14 | -€16,835 | -€19,188 | -€2,353 | -14.0% |
| Amounts payable | 17/49 | €10,635 | €12,988 | +€2,353 | +22.1% |
| Amounts payable within one year | 42/48 | €10,635 | €12,988 | +€2,353 | +22.1% |
| Trade debts | 44 | €130 | €324 | +€194 | +149% |
| Suppliers | 440/4 | €130 | €324 | +€194 | +149% |
| Other amounts payable | 47/48 | €10,505 | €12,664 | +€2,159 | +20.6% |
| Other operating charges | 640/8 | - | €2,159 | +€2,159 | |
| Gross operating margin | 9900 | -€57 | -€194 | -€137 | -240% |
| Operating profit (loss) | 9901 | -€57 | -€2,353 | -€2,296 | -4,028% |
| Profit (loss) for the period before taxes | 9903 | -€57 | -€2,353 | -€2,296 | -4,028% |
| Profit (loss) for the period | 9904 | -€57 | -€2,353 | -€2,296 | -4,028% |
| Profit (loss) for the period to be appropriated | 9905 | -€57 | -€2,353 | -€2,296 | -4,028% |
Source: filed annual accounts (NBB), financial years ended 31 December 2022 and 31 December 2023. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 October 2026 via checked.be.