assurances demaré: 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 demaré
Largest movements
- Cash +€42,999
up €42,999 (+28.4%), from €151,534 to €194,533
mainly Other debts (+€22,950) and Receivables within one year (+€21,000)
- Receivables within one year -€21,000
down €21,000 (-97.4%), from €21,554 to €554
of which Trade receivables: -€21,116
- Tangible fixed assets -€4,894
down €4,894 (-35.8%), from €13,661 to €8,768
of which Furniture and vehicles: -€5,223
- Other debts +€22,950
up €22,950 (+237%), from €9,688 to €32,637
- Reserves -€4,781
down €4,781 (-3.2%), from €150,340 to €145,559
- Trade debts +€2,420
up €2,420 (+127%), from €1,911 to €4,331
- Gross operating margin +€3,411
up €3,411 (+3.9%), from €87,014 to €90,424
- Taxes +€2,103
up €2,103 (+27.0%), from €7,782 to €9,884
- Financial charges -€2,000
down €2,000 (-83.8%), from €2,386 to €387
of which Financial charges: -€1,750
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 | €187,411 | €204,517 | +€17,106 | +9.1% |
| Fixed assets | 21/28 | €13,661 | €8,768 | -€4,894 | -35.8% |
| Tangible fixed assets | 22/27 | €13,661 | €8,768 | -€4,894 | -35.8% |
| Plant, machinery and equipment | 23 | €1,647 | €1,976 | +€329 | +20.0% |
| Furniture and vehicles | 24 | €12,014 | €6,791 | -€5,223 | -43.5% |
| Current assets | 29/58 | €173,750 | €195,749 | +€21,999 | +12.7% |
| Amounts receivable within one year | 40/41 | €21,554 | €554 | -€21,000 | -97.4% |
| Trade receivables | 40 | €21,116 | - | -€21,116 | |
| Other amounts receivable | 41 | €438 | €554 | +€116 | +26.5% |
| Cash at bank and in hand | 54/58 | €151,534 | €194,533 | +€42,999 | +28.4% |
| Deferred charges and accrued income | 490/1 | €663 | €663 | = | 0.0% |
| Total equity and liabilities | 10/49 | €187,411 | €204,517 | +€17,106 | +9.1% |
| Equity | 10/15 | €155,068 | €150,286 | -€4,781 | -3.1% |
| Contributions | 10/11 | €4,727 | €4,727 | = | 0.0% |
| Reserves | 13 | €150,340 | €145,559 | -€4,781 | -3.2% |
| Distributable reserves | 133 | €150,340 | €145,559 | -€4,781 | -3.2% |
| Amounts payable | 17/49 | €32,344 | €54,231 | +€21,887 | +67.7% |
| Amounts payable after more than one year | 17 | €1,572 | - | -€1,572 | |
| Financial debts | 170/4 | €1,572 | - | -€1,572 | |
| Amounts payable within one year | 42/48 | €30,772 | €54,231 | +€23,459 | +76.2% |
| Current portion of amounts payable after more than one year | 42 | €3,114 | €1,575 | -€1,539 | -49.4% |
| Financial debts | 43 | €684 | - | -€684 | |
| Credit institutions | 430/8 | €684 | - | -€684 | |
| Trade debts | 44 | €1,911 | €4,331 | +€2,420 | +127% |
| Suppliers | 440/4 | €1,911 | €4,331 | +€2,420 | +127% |
| Taxes, remuneration and social security | 45 | €15,375 | €15,688 | +€312 | +2.0% |
| Taxes | 450/3 | €6,230 | €5,616 | -€614 | -9.9% |
| Remuneration and social security | 454/9 | €9,145 | €10,072 | +€927 | +10.1% |
| Other amounts payable | 47/48 | €9,688 | €32,637 | +€22,950 | +237% |
| Remuneration, social security and pensions | 62 | €56,562 | €56,182 | -€379 | -0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €5,705 | €5,844 | +€139 | +2.4% |
| Other operating charges | 640/8 | €910 | €688 | -€223 | -24.5% |
| Gross operating margin | 9900 | €87,014 | €90,424 | +€3,411 | +3.9% |
| Operating profit (loss) | 9901 | €23,837 | €27,711 | +€3,874 | +16.3% |
| Financial income | 75/76B | €731 | €728 | -€3 | -0.4% |
| Recurring financial income | 75 | €731 | €728 | -€3 | -0.4% |
| Financial charges | 65/66B | €2,386 | €387 | -€2,000 | -83.8% |
| Recurring financial charges | 65 | €2,137 | €387 | -€1,750 | -81.9% |
| Non-recurring financial charges | 66B | €249 | - | -€249 | |
| Profit (loss) for the period before taxes | 9903 | €22,182 | €28,052 | +€5,870 | +26.5% |
| Income taxes | 67/77 | €7,782 | €9,884 | +€2,103 | +27.0% |
| Profit (loss) for the period | 9904 | €14,400 | €18,168 | +€3,768 | +26.2% |
| Profit (loss) for the period to be appropriated | 9905 | €14,400 | €18,168 | +€3,768 | +26.2% |
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 31 October 2026 via checked.be.