Assurances Deglume: 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 Deglume
Largest movements
- Cash +€285,430
up €285,430 (+198%), from €144,066 to €429,496
mainly Current investments (+€229,946) and Net result for the year (+€83,925)
- Current investments -€229,946
down €229,946 (-37.6%), from €611,611 to €381,665
- Deferred charges and accrued income -€25,830
down €25,830 (-78.1%), from €33,059 to €7,228
- Tangible fixed assets -€25,252
down €25,252 (-25.1%), from €100,768 to €75,517
of which Furniture and vehicles: -€32,932
- Other debts +€27,933
up €27,933 (+39.7%), from €70,300 to €98,233
- Reserves -€20,600
down €20,600 (-2.9%), from €720,500 to €699,900
- Tax, wage and social debts +€12,541
up €12,541 (+26.8%), from €46,726 to €59,267
of which Taxes: +€19,509
- Debts after one year -€10,273
down €10,273 (-43.4%), from €23,672 to €13,399
- Gross operating margin +€51,416
up €51,416 (+31.0%), from €165,791 to €217,207
- Taxes +€24,012
up €24,012 (+97.9%), from €24,524 to €48,536
- Financial income -€22,942
down €22,942 (-55.3%), from €41,478 to €18,536
- Staff costs -€22,834
down €22,834 (-27.7%), from €82,372 to €59,538
- Depreciation -€3,777
down €3,777 (-8.7%), from €43,493 to €39,716
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 | €915,021 | €928,047 | +€13,026 | +1.4% |
| Fixed assets | 21/28 | €101,080 | €75,829 | -€25,252 | -25.0% |
| Tangible fixed assets | 22/27 | €100,768 | €75,517 | -€25,252 | -25.1% |
| Plant, machinery and equipment | 23 | - | €3,605 | +€3,605 | |
| Furniture and vehicles | 24 | €75,953 | €43,021 | -€32,932 | -43.4% |
| Other tangible fixed assets | 26 | €24,815 | €28,890 | +€4,075 | +16.4% |
| Financial fixed assets | 28 | €312 | €312 | = | 0.0% |
| Current assets | 29/58 | €813,941 | €852,219 | +€38,278 | +4.7% |
| Amounts receivable within one year | 40/41 | €25,205 | €33,829 | +€8,624 | +34.2% |
| Trade receivables | 40 | - | €32,143 | +€32,143 | |
| Other amounts receivable | 41 | €25,205 | €1,686 | -€23,519 | -93.3% |
| Current investments | 50/53 | €611,611 | €381,665 | -€229,946 | -37.6% |
| Cash at bank and in hand | 54/58 | €144,066 | €429,496 | +€285,430 | +198% |
| Deferred charges and accrued income | 490/1 | €33,059 | €7,228 | -€25,830 | -78.1% |
| Total equity and liabilities | 10/49 | €915,021 | €928,047 | +€13,026 | +1.4% |
| Equity | 10/15 | €762,451 | €741,876 | -€20,575 | -2.7% |
| Contributions | 10/11 | €21,815 | €21,815 | = | 0.0% |
| Reserves | 13 | €720,500 | €699,900 | -€20,600 | -2.9% |
| Distributable reserves | 133 | €720,500 | €699,900 | -€20,600 | -2.9% |
| Profit (loss) carried forward | 14 | €20,136 | €20,162 | +€25 | +0.1% |
| Amounts payable | 17/49 | €152,570 | €186,171 | +€33,601 | +22.0% |
| Amounts payable after more than one year | 17 | €23,672 | €13,399 | -€10,273 | -43.4% |
| Financial debts | 170/4 | €23,672 | €13,399 | -€10,273 | -43.4% |
| Amounts payable within one year | 42/48 | €128,899 | €171,805 | +€42,906 | +33.3% |
| Current portion of amounts payable after more than one year | 42 | €9,892 | €10,273 | +€381 | +3.8% |
| Trade debts | 44 | €1,981 | €4,033 | +€2,052 | +104% |
| Suppliers | 440/4 | €1,981 | €4,033 | +€2,052 | +104% |
| Taxes, remuneration and social security | 45 | €46,726 | €59,267 | +€12,541 | +26.8% |
| Taxes | 450/3 | €31,883 | €51,392 | +€19,509 | +61.2% |
| Remuneration and social security | 454/9 | €14,843 | €7,875 | -€6,968 | -46.9% |
| Other amounts payable | 47/48 | €70,300 | €98,233 | +€27,933 | +39.7% |
| Accrued charges and deferred income | 492/3 | - | €968 | +€968 | |
| Remuneration, social security and pensions | 62 | €82,372 | €59,538 | -€22,834 | -27.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €43,493 | €39,716 | -€3,777 | -8.7% |
| Other operating charges | 640/8 | €3,229 | €2,872 | -€358 | -11.1% |
| Gross operating margin | 9900 | €165,791 | €217,207 | +€51,416 | +31.0% |
| Operating profit (loss) | 9901 | €36,697 | €115,081 | +€78,385 | +214% |
| Financial income | 75/76B | €41,478 | €18,536 | -€22,942 | -55.3% |
| Recurring financial income | 75 | €41,478 | €18,536 | -€22,942 | -55.3% |
| Financial charges | 65/66B | €1,518 | €1,156 | -€362 | -23.9% |
| Recurring financial charges | 65 | €1,518 | €1,156 | -€362 | -23.9% |
| Profit (loss) for the period before taxes | 9903 | €76,657 | €132,462 | +€55,805 | +72.8% |
| Income taxes | 67/77 | €24,524 | €48,536 | +€24,012 | +97.9% |
| Profit (loss) for the period | 9904 | €52,133 | €83,925 | +€31,793 | +61.0% |
| Profit (loss) for the period to be appropriated | 9905 | €52,133 | €83,925 | +€31,793 | +61.0% |
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 23 October 2026 via checked.be.