Assurances MPD: what changed
Two fiscal 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 MPD
Largest movements
- Intangible fixed assets -€59,092
down €59,092 (-14.1%), from €418,470 to €359,377
- Receivables within one year +€52,347
up €52,347 (+112.2%), from €46,671 to €99,018
of which Other amounts receivable: +€48,609
- Cash +€19,666
up €19,666 (+1886.8%), from €1,042 to €20,708
mainly Depreciation (+€70,243) and Other debts (+€46,328)
- Tangible fixed assets -€5,810
down €5,810 (-21.1%), from €27,595 to €21,785
of which Furniture and vehicles: -€8,279
- Other debts +€46,328
up €46,328 (+691.9%), from €6,695 to €53,023
- Debts after one year -€35,687
down €35,687 (-8.0%), from €446,671 to €410,984
- Profit (loss) carried forward +€5,554
up €5,554 (+5.6%), from -€98,674 to -€93,120
- Gross operating margin +€5,369
up €5,369 (+4.0%), from €135,218 to €140,586
- Financial charges -€4,563
down €4,563 (-52.5%), from €8,698 to €4,135
- Other operating charges -€3,233
down €3,233 (-57.1%), from €5,666 to €2,434
- Staff costs -€2,592
down €2,592 (-4.3%), from €60,906 to €58,314
From the 2023 result to the 2024 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.
Cash bridge derived
Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2023 | 2024 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €498,844 | €505,859 | +€7,015 | +1.4% |
| Fixed assets | 21/28 | €449,753 | €384,851 | -€64,903 | -14.4% |
| Intangible fixed assets | 21 | €418,470 | €359,377 | -€59,092 | -14.1% |
| Tangible fixed assets | 22/27 | €27,595 | €21,785 | -€5,810 | -21.1% |
| Plant, machinery and equipment | 23 | €2,012 | €4,481 | +€2,469 | +122.7% |
| Furniture and vehicles | 24 | €25,583 | €17,304 | -€8,279 | -32.4% |
| Financial fixed assets | 28 | €3,688 | €3,688 | = | 0.0% |
| Current assets | 29/58 | €49,090 | €121,008 | +€71,918 | +146.5% |
| Amounts receivable within one year | 40/41 | €46,671 | €99,018 | +€52,347 | +112.2% |
| Trade receivables | 40 | €33,522 | €37,260 | +€3,738 | +11.2% |
| Other amounts receivable | 41 | €13,150 | €61,759 | +€48,609 | +369.7% |
| Cash at bank and in hand | 54/58 | €1,042 | €20,708 | +€19,666 | +1886.8% |
| Deferred charges and accrued income | 490/1 | €1,376 | €1,281 | -€95 | -6.9% |
| Total equity and liabilities | 10/49 | €498,844 | €505,859 | +€7,015 | +1.4% |
| Equity | 10/15 | -€44,138 | -€38,584 | +€5,554 | +12.6% |
| Contributions | 10/11 | €49,579 | €49,579 | = | 0.0% |
| Reserves | 13 | €4,958 | €4,958 | = | 0.0% |
| Non-distributable reserves | 130/1 | €4,958 | €4,958 | = | 0.0% |
| Reserves not available under the articles | 1311 | €4,958 | €4,958 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€98,674 | -€93,120 | +€5,554 | +5.6% |
| Amounts payable | 17/49 | €542,981 | €544,442 | +€1,461 | +0.3% |
| Amounts payable after more than one year | 17 | €446,671 | €410,984 | -€35,687 | -8.0% |
| Financial debts | 170/4 | €446,671 | €410,984 | -€35,687 | -8.0% |
| Amounts payable within one year | 42/48 | €90,432 | €127,581 | +€37,148 | +41.1% |
| Current portion of amounts payable after more than one year | 42 | €64,444 | €67,606 | +€3,162 | +4.9% |
| Financial debts | 43 | €4,908 | €0 | -€4,908 | -100.0% |
| Credit institutions | 430/8 | €4,908 | €0 | -€4,908 | -100.0% |
| Trade debts | 44 | €9,876 | €4,943 | -€4,933 | -49.9% |
| Suppliers | 440/4 | €9,876 | €4,943 | -€4,933 | -49.9% |
| Taxes, remuneration and social security | 45 | €4,509 | €2,009 | -€2,500 | -55.4% |
| Remuneration and social security | 454/9 | €4,509 | €2,009 | -€2,500 | -55.4% |
| Other amounts payable | 47/48 | €6,695 | €53,023 | +€46,328 | +691.9% |
| Accrued charges and deferred income | 492/3 | €5,878 | €5,878 | = | 0.0% |
| Remuneration, social security and pensions | 62 | €60,906 | €58,314 | -€2,592 | -4.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €68,991 | €70,243 | +€1,252 | +1.8% |
| Other operating charges | 640/8 | €5,666 | €2,434 | -€3,233 | -57.1% |
| Gross operating margin | 9900 | €135,218 | €140,586 | +€5,369 | +4.0% |
| Operating profit (loss) | 9901 | -€346 | €9,596 | +€9,941 | |
| Financial income | 75/76B | - | €9 | +€9 | |
| Recurring financial income | 75 | - | €9 | +€9 | |
| Financial charges | 65/66B | €8,698 | €4,135 | -€4,563 | -52.5% |
| Recurring financial charges | 65 | €8,698 | €4,135 | -€4,563 | -52.5% |
| Profit (loss) for the period before taxes | 9903 | -€9,044 | €5,470 | +€14,513 | |
| Income taxes | 67/77 | €417 | -€84 | -€501 | |
| Profit (loss) for the period | 9904 | -€9,461 | €5,554 | +€15,014 | |
| Profit (loss) for the period to be appropriated | 9905 | -€9,461 | €5,554 | +€15,014 |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 4 October 2026 via checked.be.