ASSURANCES PLENNEVAUX: what changed
What changed
ASSURANCES PLENNEVAUX
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€103,268
2024 · €87,519+€15,749
Equity
€319,820
2024 · €266,539+€53,281
Cash
€258,704
2024 · €140,010+€118,694
Balance sheet total
€514,372
2024 · €452,310+€62,062
Largest movements
Assets
- Cash +€118,694
up €118,694 (+84.8%), from €140,010 to €258,704
mainly Net result for the year (+€103,268) and Depreciation (+€48,562)
- Intangible fixed assets -€39,901
down €39,901 (-16.7%), from €239,480 to €199,579
- Receivables within one year -€15,301
down €15,301 (-41.8%), from €36,578 to €21,278
of which Other amounts receivable: -€13,003
Equity and liabilities
- Profit (loss) carried forward +€53,281
up €53,281 (+20.2%), from €263,539 to €316,820
- Debts after one year -€22,245
down €22,245 (-80.5%), from €27,628 to €5,383
- Tax, wage and social debts +€21,602
up €21,602 (+141%), from €15,305 to €36,907
of which Taxes: +€13,843
- Other debts +€12,406
up €12,406 (+11.5%), from €108,302 to €120,708
Income statement
- Gross operating margin +€35,332
up €35,332 (+11.4%), from €310,960 to €346,292
- Staff costs +€11,942
up €11,942 (+8.6%), from €138,744 to €150,685
- Taxes +€5,758
up €5,758 (+22.0%), from €26,177 to €31,935
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
€87,519
Gross operating margin
+€35,332
Staff costs
-€11,942
Depreciation
-€2,071
Other operating charges
-€2,853
Other operating items
-€13
Financial income
-€0
Financial charges
+€3,053
Taxes
-€5,758
Result 2025
€103,268
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
+€196,635
Investment
-€5,849
Financing
-€72,092
Cash 2024
€140,010
From operations (derived)
+€196,635
Net result for the year
+€103,268
Depreciation
+€48,562
Receivables within one year
+€15,301
Deferred charges and accrued income
-€1,382
Trade debts
-€213
Tax, wage and social debts
+€21,602
Other debts
+€12,406
Accrued charges and deferred income
-€2,910
Investment (derived)
-€5,849
Investment in fixed assets (net)
-€5,849
Financing
-€72,092
Debts after one year
-€22,245
Current portion of long-term debt
+€140
Contributions, distributions and other
-€49,987
Cash 2025
€258,704
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €452,310 | €514,372 | +€62,062 | +13.7% |
| Fixed assets | 21/28 | €275,545 | €232,832 | -€42,713 | -15.5% |
| Intangible fixed assets | 21 | €239,480 | €199,579 | -€39,901 | -16.7% |
| Tangible fixed assets | 22/27 | €33,065 | €30,253 | -€2,812 | -8.5% |
| Plant, machinery and equipment | 23 | €23,233 | €19,605 | -€3,628 | -15.6% |
| Furniture and vehicles | 24 | €9,832 | €10,648 | +€816 | +8.3% |
| Financial fixed assets | 28 | €3,000 | €3,000 | = | 0.0% |
| Current assets | 29/58 | €176,765 | €281,540 | +€104,775 | +59.3% |
| Amounts receivable within one year | 40/41 | €36,578 | €21,278 | -€15,301 | -41.8% |
| Trade receivables | 40 | €2,297 | - | -€2,297 | |
| Other amounts receivable | 41 | €34,281 | €21,278 | -€13,003 | -37.9% |
| Cash at bank and in hand | 54/58 | €140,010 | €258,704 | +€118,694 | +84.8% |
| Deferred charges and accrued income | 490/1 | €177 | €1,558 | +€1,382 | +782% |
| Total equity and liabilities | 10/49 | €452,310 | €514,372 | +€62,062 | +13.7% |
| Equity | 10/15 | €266,539 | €319,820 | +€53,281 | +20.0% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €263,539 | €316,820 | +€53,281 | +20.2% |
| Amounts payable | 17/49 | €185,771 | €194,552 | +€8,781 | +4.7% |
| Amounts payable after more than one year | 17 | €27,628 | €5,383 | -€22,245 | -80.5% |
| Financial debts | 170/4 | €27,628 | €5,383 | -€22,245 | -80.5% |
| Amounts payable within one year | 42/48 | €148,626 | €182,562 | +€33,936 | +22.8% |
| Current portion of amounts payable after more than one year | 42 | €22,305 | €22,445 | +€140 | +0.6% |
| Trade debts | 44 | €2,715 | €2,502 | -€213 | -7.8% |
| Suppliers | 440/4 | €2,715 | €2,419 | -€296 | -10.9% |
| Bills of exchange payable | 441 | - | €83 | +€83 | |
| Taxes, remuneration and social security | 45 | €15,305 | €36,907 | +€21,602 | +141% |
| Taxes | 450/3 | - | €13,843 | +€13,843 | |
| Remuneration and social security | 454/9 | €15,305 | €23,064 | +€7,759 | +50.7% |
| Other amounts payable | 47/48 | €108,302 | €120,708 | +€12,406 | +11.5% |
| Accrued charges and deferred income | 492/3 | €9,517 | €6,607 | -€2,910 | -30.6% |
| Remuneration, social security and pensions | 62 | €138,744 | €150,685 | +€11,942 | +8.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €46,492 | €48,562 | +€2,071 | +4.5% |
| Other operating charges | 640/8 | €1,952 | €4,805 | +€2,853 | +146% |
| Non-recurring operating charges | 66A | - | €13 | +€13 | |
| Gross operating margin | 9900 | €310,960 | €346,292 | +€35,332 | +11.4% |
| Operating profit (loss) | 9901 | €123,773 | €142,227 | +€18,454 | +14.9% |
| Financial income | 75/76B | €0 | - | -€0 | |
| Recurring financial income | 75 | €0 | - | -€0 | |
| Financial charges | 65/66B | €10,076 | €7,023 | -€3,053 | -30.3% |
| Recurring financial charges | 65 | €10,076 | €7,023 | -€3,053 | -30.3% |
| Profit (loss) for the period before taxes | 9903 | €113,697 | €135,203 | +€21,507 | +18.9% |
| Income taxes | 67/77 | €26,177 | €31,935 | +€5,758 | +22.0% |
| Profit (loss) for the period | 9904 | €87,519 | €103,268 | +€15,749 | +18.0% |
| Profit (loss) for the period to be appropriated | 9905 | €87,519 | €103,268 | +€15,749 | +18.0% |
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 2 November 2026 via checked.be.