Assurances Neuberg: what changed
What changed
Assurances Neuberg
NACE 68.121, Development of residential building projects
filed annual accounts (NBB)
Net result for the year
€45,989
2024 · €37,093+€8,896
Equity
€477,628
2024 · €471,639+€5,989
Cash
€27,005
2024 · €21,083+€5,922
Balance sheet total
€609,430
2024 · €598,237+€11,193
Largest movements
Assets
No asset line moved by more than 1% of the balance sheet total.
Equity and liabilities
No liability line moved by more than 1% of the balance sheet total.
Income statement
- Gross operating margin +€12,737
up €12,737 (+18.9%), from €67,373 to €80,110
- Taxes +€3,324
up €3,324 (+21.2%), from €15,655 to €18,979
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
€37,093
Gross operating margin
+€12,737
Staff costs
-€184
Provisions
-€800
Other operating charges
-€87
Other operating items
+€485
Financial charges
+€69
Taxes
-€3,324
Result 2025
€45,989
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
+€45,670
Investment
€0
Financing
-€39,748
Cash 2024
€21,083
From operations (derived)
+€45,670
Net result for the year
+€45,989
Receivables within one year
-€5,441
Deferred charges and accrued income
+€170
Trade debts
-€164
Tax, wage and social debts
+€4,915
Accrued charges and deferred income
+€200
Financing
-€39,748
Short-term financial debts
+€252
Contributions, distributions and other
-€40,000
Cash 2025
€27,005
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €598,237 | €609,430 | +€11,193 | +1.9% |
| Fixed assets | 21/28 | €504 | €504 | = | 0.0% |
| Financial fixed assets | 28 | €504 | €504 | = | 0.0% |
| Current assets | 29/58 | €597,733 | €608,926 | +€11,193 | +1.9% |
| Amounts receivable within one year | 40/41 | €576,228 | €581,669 | +€5,441 | +0.9% |
| Trade receivables | 40 | €189,571 | €198,144 | +€8,573 | +4.5% |
| Other amounts receivable | 41 | €386,657 | €383,524 | -€3,132 | -0.8% |
| Cash at bank and in hand | 54/58 | €21,083 | €27,005 | +€5,922 | +28.1% |
| Deferred charges and accrued income | 490/1 | €422 | €252 | -€170 | -40.3% |
| Total equity and liabilities | 10/49 | €598,237 | €609,430 | +€11,193 | +1.9% |
| Equity | 10/15 | €471,639 | €477,628 | +€5,989 | +1.3% |
| Contributions | 10/11 | €18,550 | €18,550 | = | 0.0% |
| Reserves | 13 | €1,859 | €1,859 | = | 0.0% |
| Distributable reserves | 133 | €1,859 | €1,859 | = | 0.0% |
| Profit (loss) carried forward | 14 | €451,229 | €457,218 | +€5,989 | +1.3% |
| Amounts payable | 17/49 | €126,598 | €131,802 | +€5,204 | +4.1% |
| Amounts payable within one year | 42/48 | €121,998 | €127,002 | +€5,004 | +4.1% |
| Financial debts | 43 | €16,618 | €16,870 | +€252 | +1.5% |
| Credit institutions | 430/8 | €16,618 | €16,870 | +€252 | +1.5% |
| Trade debts | 44 | €13,907 | €13,743 | -€164 | -1.2% |
| Suppliers | 440/4 | €13,907 | €13,743 | -€164 | -1.2% |
| Advances received on contracts in progress | 46 | €10,615 | €10,615 | = | 0.0% |
| Taxes, remuneration and social security | 45 | €40,858 | €45,774 | +€4,915 | +12.0% |
| Taxes | 450/3 | €38,940 | €43,851 | +€4,911 | +12.6% |
| Remuneration and social security | 454/9 | €1,918 | €1,922 | +€4 | +0.2% |
| Other amounts payable | 47/48 | €40,000 | €40,000 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | €4,600 | €4,800 | +€200 | +4.3% |
| Remuneration, social security and pensions | 62 | €10,026 | €10,210 | +€184 | +1.8% |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | -€800 | - | +€800 | |
| Other operating charges | 640/8 | €1,767 | €1,854 | +€87 | +4.9% |
| Non-recurring operating charges | 66A | €1,259 | €774 | -€485 | -38.5% |
| Gross operating margin | 9900 | €67,373 | €80,110 | +€12,737 | +18.9% |
| Operating profit (loss) | 9901 | €55,121 | €67,272 | +€12,151 | +22.0% |
| Financial charges | 65/66B | €2,373 | €2,304 | -€69 | -2.9% |
| Recurring financial charges | 65 | €2,373 | €2,304 | -€69 | -2.9% |
| Profit (loss) for the period before taxes | 9903 | €52,747 | €64,968 | +€12,220 | +23.2% |
| Income taxes | 67/77 | €15,655 | €18,979 | +€3,324 | +21.2% |
| Profit (loss) for the period | 9904 | €37,093 | €45,989 | +€8,896 | +24.0% |
| Profit (loss) for the period to be appropriated | 9905 | €37,093 | €45,989 | +€8,896 | +24.0% |
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 7 November 2026 via checked.be.