ASSURANCES DOYEN: 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 DOYEN
Largest movements
- Current investments +€296,747
new in 2025: €296,747
- Intangible fixed assets -€73,582
down €73,582 (-18.2%), from €404,703 to €331,121
- Cash -€37,504
down €37,504 (-29.7%), from €126,349 to €88,845
mainly Contributions, distributions and other (-€619,000) and Current investments (-€296,747)
- Receivables within one year +€16,713
up €16,713 (+26.1%), from €63,955 to €80,667
- Other debts +€650,010
up €650,010 (+671%), from €96,834 to €746,844
- Reserves -€337,000
down €337,000 (-100%), from €337,000 to €0
- Debts after one year -€114,573
down €114,573 (-47.0%), from €243,520 to €128,947
of which Other amounts payable: -€87,573
- Staff costs -€33,347
down €33,347 (-47.8%), from €69,700 to €36,353
- Gross operating margin +€13,525
up €13,525 (+2.7%), from €498,051 to €511,576
- Taxes +€11,512
up €11,512 (+14.4%), from €79,765 to €91,278
- Financial income -€10,470
down €10,470 (-97.6%), from €10,729 to €260
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 | €759,777 | €955,142 | +€195,364 | +25.7% |
| Fixed assets | 21/28 | €563,624 | €481,894 | -€81,730 | -14.5% |
| Intangible fixed assets | 21 | €404,703 | €331,121 | -€73,582 | -18.2% |
| Tangible fixed assets | 22/27 | €158,921 | €150,773 | -€8,148 | -5.1% |
| Land and buildings | 22 | €81,000 | €81,000 | = | 0.0% |
| Furniture and vehicles | 24 | €6,790 | €6,652 | -€137 | -2.0% |
| Other tangible fixed assets | 26 | €71,132 | €63,121 | -€8,011 | -11.3% |
| Current assets | 29/58 | €196,153 | €473,248 | +€277,095 | +141% |
| Amounts receivable within one year | 40/41 | €63,955 | €80,667 | +€16,713 | +26.1% |
| Trade receivables | 40 | €63,955 | €80,667 | +€16,713 | +26.1% |
| Current investments | 50/53 | - | €296,747 | +€296,747 | |
| Cash at bank and in hand | 54/58 | €126,349 | €88,845 | -€37,504 | -29.7% |
| Deferred charges and accrued income | 490/1 | €5,849 | €6,989 | +€1,139 | +19.5% |
| Total equity and liabilities | 10/49 | €759,777 | €955,142 | +€195,364 | +25.7% |
| Equity | 10/15 | €339,356 | €2,327 | -€337,029 | -99.3% |
| Contributions | 10/11 | €2,000 | €2,000 | = | 0.0% |
| Reserves | 13 | €337,000 | €0 | -€337,000 | -100% |
| Distributable reserves | 133 | €337,000 | €0 | -€337,000 | -100% |
| Profit (loss) carried forward | 14 | €356 | €327 | -€29 | -8.0% |
| Amounts payable | 17/49 | €420,421 | €952,814 | +€532,393 | +127% |
| Amounts payable after more than one year | 17 | €243,520 | €128,947 | -€114,573 | -47.0% |
| Financial debts | 170/4 | €45,104 | €18,104 | -€27,000 | -59.9% |
| Other amounts payable | 178/9 | €198,416 | €110,843 | -€87,573 | -44.1% |
| Amounts payable within one year | 42/48 | €148,655 | €791,964 | +€643,309 | +433% |
| Current portion of amounts payable after more than one year | 42 | €26,815 | €27,000 | +€185 | +0.7% |
| Trade debts | 44 | €3,219 | €340 | -€2,879 | -89.4% |
| Suppliers | 440/4 | €3,219 | €340 | -€2,879 | -89.4% |
| Taxes, remuneration and social security | 45 | €21,788 | €17,780 | -€4,008 | -18.4% |
| Taxes | 450/3 | €16,555 | €12,032 | -€4,524 | -27.3% |
| Remuneration and social security | 454/9 | €5,232 | €5,748 | +€516 | +9.9% |
| Other amounts payable | 47/48 | €96,834 | €746,844 | +€650,010 | +671% |
| Accrued charges and deferred income | 492/3 | €28,247 | €31,903 | +€3,657 | +12.9% |
| Remuneration, social security and pensions | 62 | €69,700 | €36,353 | -€33,347 | -47.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €89,198 | €84,889 | -€4,309 | -4.8% |
| Other operating charges | 640/8 | €1,250 | €1,049 | -€201 | -16.1% |
| Gross operating margin | 9900 | €498,051 | €511,576 | +€13,525 | +2.7% |
| Operating profit (loss) | 9901 | €337,902 | €389,284 | +€51,382 | +15.2% |
| Financial income | 75/76B | €10,729 | €260 | -€10,470 | -97.6% |
| Recurring financial income | 75 | €10,729 | €260 | -€10,470 | -97.6% |
| Financial charges | 65/66B | €17,943 | €16,294 | -€1,649 | -9.2% |
| Recurring financial charges | 65 | €17,943 | €16,294 | -€1,649 | -9.2% |
| Profit (loss) for the period before taxes | 9903 | €330,688 | €373,249 | +€42,561 | +12.9% |
| Income taxes | 67/77 | €79,765 | €91,278 | +€11,512 | +14.4% |
| Profit (loss) for the period | 9904 | €250,923 | €281,971 | +€31,049 | +12.4% |
| Profit (loss) for the period to be appropriated | 9905 | €250,923 | €281,971 | +€31,049 | +12.4% |
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 26 October 2026 via checked.be.