ASSURANCES LOISEAU: what changed
ASSURANCES LOISEAU
Largest movements
- Intangible fixed assets -€14,116
down €14,116 (-19.8%), from €71,265 to €57,149
- Cash -€13,553
down €13,553 (-8.6%), from €157,682 to €144,129
mainly Contributions, distributions and other (-€60,000) and Other debts (-€29,966)
- Receivables within one year -€3,120
down €3,120 (-12.8%), from €24,361 to €21,241
of which Other amounts receivable: -€3,844
- Reserves +€62,860
up €62,860 (+57.4%), from €109,516 to €172,376
- Contributions -€60,000
down €60,000 (-96.8%), from €62,000 to €2,000
- Other debts -€29,966
down €29,966 (-75.7%), from €39,561 to €9,594
- Debts after one year -€8,329
down €8,329 (-49.0%), from €16,989 to €8,660
- Trade debts +€4,529
up €4,529 (+59.1%), from €7,663 to €12,193
- Gross operating margin +€38,649
up €38,649 (+32.6%), from €118,447 to €157,096
- Taxes +€9,620
up €9,620 (+70.1%), from €13,723 to €23,344
- Depreciation +€2,687
up €2,687 (+19.9%), from €13,527 to €16,214
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €261,553 | €229,086 | -€32,467 | -12.4% |
| Fixed assets | 21/28 | €76,571 | €60,357 | -€16,214 | -21.2% |
| Intangible fixed assets | 21 | €71,265 | €57,149 | -€14,116 | -19.8% |
| Tangible fixed assets | 22/27 | €5,306 | €3,208 | -€2,098 | -39.5% |
| Land and buildings | 22 | €1,632 | €1,003 | -€629 | -38.5% |
| Plant, machinery and equipment | 23 | €3,673 | €2,205 | -€1,469 | -40.0% |
| Furniture and vehicles | 24 | €0 | - | = | |
| Current assets | 29/58 | €184,982 | €168,729 | -€16,253 | -8.8% |
| Amounts receivable within one year | 40/41 | €24,361 | €21,241 | -€3,120 | -12.8% |
| Trade receivables | 40 | €20,361 | €21,084 | +€724 | +3.6% |
| Other amounts receivable | 41 | €4,000 | €156 | -€3,844 | -96.1% |
| Cash at bank and in hand | 54/58 | €157,682 | €144,129 | -€13,553 | -8.6% |
| Deferred charges and accrued income | 490/1 | €2,939 | €3,359 | +€420 | +14.3% |
| Total equity and liabilities | 10/49 | €261,553 | €229,086 | -€32,467 | -12.4% |
| Equity | 10/15 | €171,516 | €174,376 | +€2,860 | +1.7% |
| Contributions | 10/11 | €62,000 | €2,000 | -€60,000 | -96.8% |
| Reserves | 13 | €109,516 | €172,376 | +€62,860 | +57.4% |
| Distributable reserves | 133 | €109,516 | €172,376 | +€62,860 | +57.4% |
| Amounts payable | 17/49 | €90,037 | €54,710 | -€35,327 | -39.2% |
| Amounts payable after more than one year | 17 | €16,989 | €8,660 | -€8,329 | -49.0% |
| Financial debts | 170/4 | €16,989 | €8,660 | -€8,329 | -49.0% |
| Amounts payable within one year | 42/48 | €70,964 | €44,841 | -€26,123 | -36.8% |
| Current portion of amounts payable after more than one year | 42 | €8,011 | €8,329 | +€318 | +4.0% |
| Trade debts | 44 | €7,663 | €12,193 | +€4,529 | +59.1% |
| Suppliers | 440/4 | €7,663 | €12,193 | +€4,529 | +59.1% |
| Taxes, remuneration and social security | 45 | €15,729 | €14,725 | -€1,004 | -6.4% |
| Taxes | 450/3 | €6,455 | €4,858 | -€1,597 | -24.7% |
| Remuneration and social security | 454/9 | €9,274 | €9,867 | +€593 | +6.4% |
| Other amounts payable | 47/48 | €39,561 | €9,594 | -€29,966 | -75.7% |
| Accrued charges and deferred income | 492/3 | €2,084 | €1,209 | -€875 | -42.0% |
| Remuneration, social security and pensions | 62 | €46,539 | €47,320 | +€782 | +1.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €13,527 | €16,214 | +€2,687 | +19.9% |
| Other operating charges | 640/8 | €666 | €487 | -€178 | -26.8% |
| Gross operating margin | 9900 | €118,447 | €157,096 | +€38,649 | +32.6% |
| Operating profit (loss) | 9901 | €57,716 | €93,075 | +€35,359 | +61.3% |
| Financial income | 75/76B | €3 | €0 | -€3 | -100% |
| Recurring financial income | 75 | €3 | €0 | -€3 | -100% |
| Financial charges | 65/66B | €6,932 | €6,872 | -€60 | -0.9% |
| Recurring financial charges | 65 | €6,932 | €6,872 | -€60 | -0.9% |
| Profit (loss) for the period before taxes | 9903 | €50,787 | €86,203 | +€35,416 | +69.7% |
| Income taxes | 67/77 | €13,723 | €23,344 | +€9,620 | +70.1% |
| Profit (loss) for the period | 9904 | €37,064 | €62,860 | +€25,796 | +69.6% |
| Profit (loss) for the period to be appropriated | 9905 | €37,064 | €62,860 | +€25,796 | +69.6% |
Next steps
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 8 November 2026 via checked.be.