ASSURANCES ET SERVICES: what changed
What changed
ASSURANCES ET SERVICES
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€20,109
2024 · €19,840+€269
Equity
€157,857
2024 · €137,748+€20,109
Cash
€626
2024 · €112+€514
Balance sheet total
€264,495
2024 · €268,348-€3,853
Largest movements
Assets
No asset line moved by more than 1% of the balance sheet total.
Equity and liabilities
- Reserves +€20,109
up €20,109 (+16.9%), from €118,660 to €138,769
of which Distributable reserves: +€20,109
- Debts after one year -€16,646
down €16,646 (-21.2%), from €78,659 to €62,012
- Current portion of long-term debt -€2,773
down €2,773 (-8.2%), from €33,820 to €31,046
Income statement
- Gross operating margin -€4,283
down €4,283 (-10.8%), from €39,628 to €35,345
- Taxes -€3,199
down €3,199 (-25.0%), from €12,808 to €9,609
- Financial charges -€1,450
down €1,450 (-41.9%), from €3,461 to €2,011
- Depreciation -€416
down €416 (-16.4%), from €2,535 to €2,119
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
€19,840
Gross operating margin
-€4,283
Depreciation
+€416
Other operating charges
-€245
Financial income
-€267
Financial charges
+€1,450
Taxes
+€3,199
Result 2025
€20,109
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
+€22,255
Investment
€0
Financing
-€21,741
Cash 2024
€112
From operations (derived)
+€22,255
Net result for the year
+€20,109
Depreciation
+€2,119
Receivables within one year
+€2,200
Deferred charges and accrued income
+€49
Trade debts
+€818
Tax, wage and social debts
-€2,314
Accrued charges and deferred income
-€726
Financing
-€21,741
Debts after one year
-€16,646
Current portion of long-term debt
-€2,773
Short-term financial debts
-€2,321
Cash 2025
€626
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €268,348 | €264,495 | -€3,853 | -1.4% |
| Fixed assets | 21/28 | €243,788 | €241,669 | -€2,119 | -0.9% |
| Tangible fixed assets | 22/27 | €3,788 | €1,669 | -€2,119 | -55.9% |
| Plant, machinery and equipment | 23 | €1,165 | €33 | -€1,132 | -97.2% |
| Furniture and vehicles | 24 | €2,623 | €1,636 | -€987 | -37.6% |
| Financial fixed assets | 28 | €240,000 | €240,000 | = | 0.0% |
| Current assets | 29/58 | €24,560 | €22,826 | -€1,734 | -7.1% |
| Amounts receivable within one year | 40/41 | €23,928 | €21,729 | -€2,200 | -9.2% |
| Trade receivables | 40 | €8,419 | €8,419 | = | 0.0% |
| Other amounts receivable | 41 | €15,510 | €13,310 | -€2,200 | -14.2% |
| Cash at bank and in hand | 54/58 | €112 | €626 | +€514 | +460% |
| Deferred charges and accrued income | 490/1 | €520 | €470 | -€49 | -9.5% |
| Total equity and liabilities | 10/49 | €268,348 | €264,495 | -€3,853 | -1.4% |
| Equity | 10/15 | €137,748 | €157,857 | +€20,109 | +14.6% |
| Contributions | 10/11 | €19,088 | €19,088 | = | 0.0% |
| Reserves | 13 | €118,660 | €138,769 | +€20,109 | +16.9% |
| Non-distributable reserves | 130/1 | €1,909 | €1,909 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,909 | €1,909 | = | 0.0% |
| Distributable reserves | 133 | €116,752 | €136,860 | +€20,109 | +17.2% |
| Amounts payable | 17/49 | €130,600 | €106,638 | -€23,962 | -18.3% |
| Amounts payable after more than one year | 17 | €78,659 | €62,012 | -€16,646 | -21.2% |
| Financial debts | 170/4 | €78,659 | €62,012 | -€16,646 | -21.2% |
| Amounts payable within one year | 42/48 | €51,216 | €44,625 | -€6,591 | -12.9% |
| Current portion of amounts payable after more than one year | 42 | €33,820 | €31,046 | -€2,773 | -8.2% |
| Financial debts | 43 | €3,879 | €1,558 | -€2,321 | -59.8% |
| Credit institutions | 430/8 | €3,879 | €1,558 | -€2,321 | -59.8% |
| Trade debts | 44 | €2,554 | €3,372 | +€818 | +32.0% |
| Suppliers | 440/4 | €2,554 | €3,372 | +€818 | +32.0% |
| Taxes, remuneration and social security | 45 | €10,963 | €8,649 | -€2,314 | -21.1% |
| Taxes | 450/3 | €10,963 | €8,649 | -€2,314 | -21.1% |
| Accrued charges and deferred income | 492/3 | €726 | - | -€726 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,535 | €2,119 | -€416 | -16.4% |
| Other operating charges | 640/8 | €1,727 | €1,972 | +€245 | +14.2% |
| Gross operating margin | 9900 | €39,628 | €35,345 | -€4,283 | -10.8% |
| Operating profit (loss) | 9901 | €35,367 | €31,254 | -€4,113 | -11.6% |
| Financial income | 75/76B | €742 | €475 | -€267 | -36.0% |
| Recurring financial income | 75 | €742 | €475 | -€267 | -36.0% |
| Financial charges | 65/66B | €3,461 | €2,011 | -€1,450 | -41.9% |
| Recurring financial charges | 65 | €3,461 | €2,011 | -€1,450 | -41.9% |
| Profit (loss) for the period before taxes | 9903 | €32,647 | €29,717 | -€2,930 | -9.0% |
| Income taxes | 67/77 | €12,808 | €9,609 | -€3,199 | -25.0% |
| Profit (loss) for the period | 9904 | €19,840 | €20,109 | +€269 | +1.4% |
| Profit (loss) for the period to be appropriated | 9905 | €19,840 | €20,109 | +€269 | +1.4% |
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Compare this company with its sector.Sector benchmark
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 2 November 2026 via checked.be.