ASSURANCES GUILLEAUME: what changed
What changed
ASSURANCES GUILLEAUME
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€458,028
2024 · €436,591+€21,436
Equity
€22,760
2024 · €29,732-€6,972
Cash
€63,044
2024 · €153,149-€90,105
Balance sheet total
€329,864
2024 · €477,943-€148,079
Largest movements
Assets
- Current investments -€150,496
no longer reported in 2025 (was €150,496)
- Tangible fixed assets +€90,940
up €90,940 (+212%), from €42,829 to €133,769
of which Furniture and vehicles: +€82,562
- Cash -€90,105
down €90,105 (-58.8%), from €153,149 to €63,044
mainly Contributions, distributions and other (-€465,000) and Other debts (-€238,518)
- Deferred charges and accrued income +€6,675
up €6,675 (+52.8%), from €12,644 to €19,319
Equity and liabilities
- Other debts -€238,518
down €238,518 (-58.6%), from €406,828 to €168,310
- Debts after one year +€79,400
new in 2025: €79,400
- Tax, wage and social debts +€12,578
up €12,578 (+44.8%), from €28,076 to €40,654
of which Remuneration and social security: +€6,780
- Profit (loss) carried forward -€6,972
down €6,972 (-75.2%), from €9,272 to €2,300
- Trade debts +€5,567
up €5,567 (+44.3%), from €12,563 to €18,129
Income statement
- Gross operating margin +€56,740
up €56,740 (+6.7%), from €841,840 to €898,580
- Taxes +€15,664
up €15,664 (+10.1%), from €154,518 to €170,182
- Staff costs +€14,518
up €14,518 (+6.1%), from €236,268 to €250,786
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
€436,591
Gross operating margin
+€56,740
Staff costs
-€14,518
Depreciation
-€4,367
Other operating charges
-€706
Other operating items
-€393
Financial income
+€1,173
Financial charges
-€829
Taxes
-€15,664
Result 2025
€458,028
raises the resultlowers the resultnot broken down further in the accounts
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
+€246,950
Investment
+€48,545
Financing
-€385,600
Cash 2024
€153,149
From operations (derived)
+€246,950
Net result for the year
+€458,028
Depreciation
+€12,435
Receivables within one year
+€3,669
Deferred charges and accrued income
-€6,675
Trade debts
+€5,567
Tax, wage and social debts
+€12,578
Other debts
-€238,518
Accrued charges and deferred income
-€134
Investment (derived)
+€48,545
Investment in fixed assets (net)
-€101,951
Current investments
+€150,496
Financing
-€385,600
Debts after one year
+€79,400
Contributions, distributions and other
-€465,000
Cash 2025
€63,044
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €477,943 | €329,864 | -€148,079 | -31.0% |
| Fixed assets | 21/28 | €80,986 | €170,502 | +€89,517 | +111% |
| Intangible fixed assets | 21 | €8,995 | €7,572 | -€1,423 | -15.8% |
| Tangible fixed assets | 22/27 | €42,829 | €133,769 | +€90,940 | +212% |
| Plant, machinery and equipment | 23 | €23,013 | €31,578 | +€8,565 | +37.2% |
| Furniture and vehicles | 24 | €19,314 | €101,877 | +€82,562 | +427% |
| Other tangible fixed assets | 26 | €502 | €314 | -€187 | -37.3% |
| Financial fixed assets | 28 | €29,162 | €29,162 | = | 0.0% |
| Current assets | 29/58 | €396,958 | €159,362 | -€237,596 | -59.9% |
| Amounts receivable within one year | 40/41 | €80,668 | €76,999 | -€3,669 | -4.5% |
| Trade receivables | 40 | €64,109 | €64,822 | +€713 | +1.1% |
| Other amounts receivable | 41 | €16,559 | €12,177 | -€4,382 | -26.5% |
| Current investments | 50/53 | €150,496 | - | -€150,496 | |
| Cash at bank and in hand | 54/58 | €153,149 | €63,044 | -€90,105 | -58.8% |
| Deferred charges and accrued income | 490/1 | €12,644 | €19,319 | +€6,675 | +52.8% |
| Total equity and liabilities | 10/49 | €477,943 | €329,864 | -€148,079 | -31.0% |
| Equity | 10/15 | €29,732 | €22,760 | -€6,972 | -23.5% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €9,272 | €2,300 | -€6,972 | -75.2% |
| Amounts payable | 17/49 | €448,211 | €307,105 | -€141,107 | -31.5% |
| Amounts payable after more than one year | 17 | - | €79,400 | +€79,400 | |
| Financial debts | 170/4 | - | €79,400 | +€79,400 | |
| Amounts payable within one year | 42/48 | €447,467 | €227,094 | -€220,373 | -49.2% |
| Trade debts | 44 | €12,563 | €18,129 | +€5,567 | +44.3% |
| Suppliers | 440/4 | €12,563 | €18,129 | +€5,567 | +44.3% |
| Taxes, remuneration and social security | 45 | €28,076 | €40,654 | +€12,578 | +44.8% |
| Taxes | 450/3 | €476 | €6,275 | +€5,799 | +1,217% |
| Remuneration and social security | 454/9 | €27,599 | €34,379 | +€6,780 | +24.6% |
| Other amounts payable | 47/48 | €406,828 | €168,310 | -€238,518 | -58.6% |
| Accrued charges and deferred income | 492/3 | €745 | €611 | -€134 | -17.9% |
| Remuneration, social security and pensions | 62 | €236,268 | €250,786 | +€14,518 | +6.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €8,068 | €12,435 | +€4,367 | +54.1% |
| Other operating charges | 640/8 | €2,016 | €2,722 | +€706 | +35.0% |
| Non-recurring operating charges | 66A | €1,566 | €1,959 | +€393 | +25.1% |
| Gross operating margin | 9900 | €841,840 | €898,580 | +€56,740 | +6.7% |
| Operating profit (loss) | 9901 | €593,921 | €630,677 | +€36,756 | +6.2% |
| Financial income | 75/76B | €297 | €1,470 | +€1,173 | +395% |
| Recurring financial income | 75 | €297 | €1,470 | +€1,173 | +395% |
| Financial charges | 65/66B | €3,109 | €3,938 | +€829 | +26.7% |
| Recurring financial charges | 65 | €3,109 | €3,938 | +€829 | +26.7% |
| Profit (loss) for the period before taxes | 9903 | €591,109 | €628,210 | +€37,101 | +6.3% |
| Income taxes | 67/77 | €154,518 | €170,182 | +€15,664 | +10.1% |
| Profit (loss) for the period | 9904 | €436,591 | €458,028 | +€21,436 | +4.9% |
| Profit (loss) for the period to be appropriated | 9905 | €436,591 | €458,028 | +€21,436 | +4.9% |
Next steps
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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.