ASSURANCES ZIMMER: what changed
You see two financial years side by side: what moved most in the balance sheet and the result, why the result rose or fell and where the money went.
ASSURANCES ZIMMER
Largest movements
- Current investments +€219,045
up €219,045 (+35.6%), from €615,600 to €834,645
- Cash -€106,000
down €106,000 (-81.6%), from €129,927 to €23,927
mainly Current investments (-€219,045) and Investment in fixed assets (net) (-€12,364)
- Receivables within one year -€36,631
down €36,631 (-42.7%), from €85,729 to €49,098
- Tangible fixed assets +€10,505
up €10,505 (+119%), from €8,800 to €19,305
of which Furniture and vehicles: +€11,889
- Reserves +€58,000
up €58,000 (+8.3%), from €700,000 to €758,000
of which Distributable reserves: +€58,000
- Tax, wage and social debts +€15,260
up €15,260 (+36.8%), from €41,463 to €56,724
of which Remuneration and social security: +€16,757
- Accrued charges and deferred income +€13,062
up €13,062 (+33.6%), from €38,880 to €51,942
- Staff costs +€15,626
up €15,626 (+10.0%), from €156,559 to €172,185
- Gross operating margin -€8,561
down €8,561 (-3.2%), from €266,779 to €258,217
- Other operating charges +€6,269
up €6,269 (+1,357%), from €462 to €6,731
- Financial income -€2,874
down €2,874 (-21.5%), from €13,385 to €10,511
- Taxes -€2,827
down €2,827 (-8.9%), from €31,748 to €28,921
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 | €843,616 | €931,314 | +€87,698 | +10.4% |
| Fixed assets | 21/28 | €9,104 | €19,609 | +€10,505 | +115% |
| Tangible fixed assets | 22/27 | €8,800 | €19,305 | +€10,505 | +119% |
| Furniture and vehicles | 24 | - | €11,889 | +€11,889 | |
| Other tangible fixed assets | 26 | €8,800 | €7,416 | -€1,384 | -15.7% |
| Financial fixed assets | 28 | €304 | €304 | = | 0.0% |
| Current assets | 29/58 | €834,512 | €911,705 | +€77,192 | +9.3% |
| Amounts receivable within one year | 40/41 | €85,729 | €49,098 | -€36,631 | -42.7% |
| Other amounts receivable | 41 | €85,729 | €49,098 | -€36,631 | -42.7% |
| Current investments | 50/53 | €615,600 | €834,645 | +€219,045 | +35.6% |
| Cash at bank and in hand | 54/58 | €129,927 | €23,927 | -€106,000 | -81.6% |
| Deferred charges and accrued income | 490/1 | €3,256 | €4,034 | +€779 | +23.9% |
| Total equity and liabilities | 10/49 | €843,616 | €931,314 | +€87,698 | +10.4% |
| Equity | 10/15 | €762,966 | €821,734 | +€58,768 | +7.7% |
| Contributions | 10/11 | €62,000 | €62,000 | = | 0.0% |
| Capital | 10 | €62,000 | €62,000 | = | 0.0% |
| Issued capital | 100 | €62,000 | €62,000 | = | 0.0% |
| Reserves | 13 | €700,000 | €758,000 | +€58,000 | +8.3% |
| Non-distributable reserves | 130/1 | €7,000 | €7,000 | = | 0.0% |
| Reserves not available under the articles | 1311 | €7,000 | €7,000 | = | 0.0% |
| Distributable reserves | 133 | €693,000 | €751,000 | +€58,000 | +8.4% |
| Profit (loss) carried forward | 14 | €966 | €1,734 | +€768 | +79.5% |
| Amounts payable | 17/49 | €80,651 | €109,580 | +€28,930 | +35.9% |
| Amounts payable within one year | 42/48 | €41,770 | €57,638 | +€15,868 | +38.0% |
| Taxes, remuneration and social security | 45 | €41,463 | €56,724 | +€15,260 | +36.8% |
| Taxes | 450/3 | €27,687 | €26,190 | -€1,496 | -5.4% |
| Remuneration and social security | 454/9 | €13,777 | €30,533 | +€16,757 | +122% |
| Other amounts payable | 47/48 | €307 | €914 | +€607 | +198% |
| Accrued charges and deferred income | 492/3 | €38,880 | €51,942 | +€13,062 | +33.6% |
| Remuneration, social security and pensions | 62 | €156,559 | €172,185 | +€15,626 | +10.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,384 | €1,859 | +€475 | +34.3% |
| Other operating charges | 640/8 | €462 | €6,731 | +€6,269 | +1,357% |
| Gross operating margin | 9900 | €266,779 | €258,217 | -€8,561 | -3.2% |
| Operating profit (loss) | 9901 | €108,373 | €77,442 | -€30,931 | -28.5% |
| Financial income | 75/76B | €13,385 | €10,511 | -€2,874 | -21.5% |
| Recurring financial income | 75 | €13,385 | €10,511 | -€2,874 | -21.5% |
| Financial charges | 65/66B | €297 | €264 | -€33 | -11.1% |
| Recurring financial charges | 65 | €297 | €264 | -€33 | -11.1% |
| Profit (loss) for the period before taxes | 9903 | €121,461 | €87,689 | -€33,772 | -27.8% |
| Income taxes | 67/77 | €31,748 | €28,921 | -€2,827 | -8.9% |
| Profit (loss) for the period | 9904 | €89,713 | €58,768 | -€30,945 | -34.5% |
| Profit (loss) for the period to be appropriated | 9905 | €89,713 | €58,768 | -€30,945 | -34.5% |
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 1 November 2026 via checked.be.