ASSURANCES RUDY KOHN: what changed
What changed
ASSURANCES RUDY KOHN
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€48,822
2024 · €78,000-€29,178
Equity
€216,824
2024 · €168,001+€48,822
Cash
€97,773
2024 · €67,242+€30,532
Balance sheet total
€317,642
2024 · €263,170+€54,472
Largest movements
Assets
- Cash +€30,532
up €30,532 (+45.4%), from €67,242 to €97,773
mainly Net result for the year (+€48,822) and Tax, wage and social debts (+€13,770)
- Receivables within one year +€20,356
up €20,356 (+11.3%), from €179,615 to €199,971
of which Trade receivables: +€11,850
Equity and liabilities
- Reserves +€48,822
up €48,822 (+61.1%), from €79,860 to €128,683
- Tax, wage and social debts +€13,770
up €13,770 (+29.6%), from €46,547 to €60,317
of which Taxes: +€7,554
- Debts after one year -€6,607
down €6,607 (-33.6%), from €19,690 to €13,082
- Other debts -€4,591
down €4,591 (-32.6%), from €14,085 to €9,494
Income statement
- Gross operating margin -€36,755
down €36,755 (-16.1%), from €228,314 to €191,560
- Taxes -€11,823
down €11,823 (-32.9%), from €35,891 to €24,069
- Staff costs +€9,334
up €9,334 (+9.7%), from €96,587 to €105,921
- Other operating charges -€6,061
down €6,061 (-47.3%), from €12,814 to €6,753
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
€78,000
Gross operating margin
-€36,755
Staff costs
-€9,334
Depreciation
-€1,853
Other operating charges
+€6,061
Financial income
+€454
Financial charges
+€426
Taxes
+€11,823
Result 2025
€48,822
raises the resultlowers the result
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
+€43,253
Investment
-€6,260
Financing
-€6,461
Cash 2024
€67,242
From operations (derived)
+€43,253
Net result for the year
+€48,822
Depreciation
+€4,929
Receivables within one year
-€20,356
Deferred charges and accrued income
-€2,254
Trade debts
+€3,086
Tax, wage and social debts
+€13,770
Other debts
-€4,591
Accrued charges and deferred income
-€153
Investment (derived)
-€6,260
Investment in fixed assets (net)
-€6,260
Financing
-€6,461
Debts after one year
-€6,607
Current portion of long-term debt
+€146
Cash 2025
€97,773
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €263,170 | €317,642 | +€54,472 | +20.7% |
| Formation expenses | 20 | €1,560 | €1,239 | -€321 | -20.6% |
| Fixed assets | 21/28 | €13,115 | €14,765 | +€1,651 | +12.6% |
| Intangible fixed assets | 21 | €320 | €1,168 | +€848 | +265% |
| Tangible fixed assets | 22/27 | €12,670 | €13,472 | +€803 | +6.3% |
| Furniture and vehicles | 24 | €10,981 | €12,389 | +€1,409 | +12.8% |
| Other tangible fixed assets | 26 | €1,689 | €1,083 | -€606 | -35.9% |
| Financial fixed assets | 28 | €125 | €125 | = | 0.0% |
| Current assets | 29/58 | €248,496 | €301,638 | +€53,142 | +21.4% |
| Amounts receivable within one year | 40/41 | €179,615 | €199,971 | +€20,356 | +11.3% |
| Trade receivables | 40 | €42,797 | €54,647 | +€11,850 | +27.7% |
| Other amounts receivable | 41 | €136,818 | €145,324 | +€8,506 | +6.2% |
| Cash at bank and in hand | 54/58 | €67,242 | €97,773 | +€30,532 | +45.4% |
| Deferred charges and accrued income | 490/1 | €1,639 | €3,893 | +€2,254 | +138% |
| Total equity and liabilities | 10/49 | €263,170 | €317,642 | +€54,472 | +20.7% |
| Equity | 10/15 | €168,001 | €216,824 | +€48,822 | +29.1% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Reserves | 13 | €79,860 | €128,683 | +€48,822 | +61.1% |
| Distributable reserves | 133 | €79,860 | €128,683 | +€48,822 | +61.1% |
| Profit (loss) carried forward | 14 | €78,141 | €78,141 | = | 0.0% |
| Amounts payable | 17/49 | €95,169 | €100,819 | +€5,650 | +5.9% |
| Amounts payable after more than one year | 17 | €19,690 | €13,082 | -€6,607 | -33.6% |
| Financial debts | 170/4 | €19,690 | €13,082 | -€6,607 | -33.6% |
| Amounts payable within one year | 42/48 | €75,191 | €87,602 | +€12,410 | +16.5% |
| Current portion of amounts payable after more than one year | 42 | €6,461 | €6,607 | +€146 | +2.3% |
| Trade debts | 44 | €8,098 | €11,184 | +€3,086 | +38.1% |
| Suppliers | 440/4 | €8,098 | €11,184 | +€3,086 | +38.1% |
| Taxes, remuneration and social security | 45 | €46,547 | €60,317 | +€13,770 | +29.6% |
| Taxes | 450/3 | €33,644 | €41,198 | +€7,554 | +22.5% |
| Remuneration and social security | 454/9 | €12,903 | €19,119 | +€6,216 | +48.2% |
| Other amounts payable | 47/48 | €14,085 | €9,494 | -€4,591 | -32.6% |
| Accrued charges and deferred income | 492/3 | €288 | €135 | -€153 | -53.2% |
| Remuneration, social security and pensions | 62 | €96,587 | €105,921 | +€9,334 | +9.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,076 | €4,929 | +€1,853 | +60.2% |
| Other operating charges | 640/8 | €12,814 | €6,753 | -€6,061 | -47.3% |
| Gross operating margin | 9900 | €228,314 | €191,560 | -€36,755 | -16.1% |
| Operating profit (loss) | 9901 | €115,838 | €73,957 | -€41,881 | -36.2% |
| Financial income | 75/76B | €131 | €585 | +€454 | +346% |
| Recurring financial income | 75 | €131 | €585 | +€454 | +346% |
| Financial charges | 65/66B | €2,078 | €1,652 | -€426 | -20.5% |
| Recurring financial charges | 65 | €2,078 | €1,652 | -€426 | -20.5% |
| Profit (loss) for the period before taxes | 9903 | €113,892 | €72,891 | -€41,001 | -36.0% |
| Income taxes | 67/77 | €35,891 | €24,069 | -€11,823 | -32.9% |
| Profit (loss) for the period | 9904 | €78,000 | €48,822 | -€29,178 | -37.4% |
| Profit (loss) for the period to be appropriated | 9905 | €78,000 | €48,822 | -€29,178 | -37.4% |
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Compare this company with its sector.Sector benchmark
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.