Assurancetoerisk: what changed
Two financial 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.
Assurancetoerisk
Largest movements
- Receivables within one year +€563,110
new in 2025: €563,110
- Financial fixed assets -€248,500
down €248,500 (-99.4%), from €250,000 to €1,500
- Cash -€15,182
down €15,182 (-69.7%), from €21,779 to €6,597
mainly Receivables within one year (-€563,110) and Debts after one year (-€100,908)
- Tangible fixed assets -€13,164
down €13,164 (-29.9%), from €43,967 to €30,803
- Profit (loss) carried forward +€355,333
new in 2025: €355,333
- Debts after one year -€100,908
down €100,908 (-83.6%), from €120,725 to €19,817
- Current portion of long-term debt +€50,284
up €50,284 (+3,926%), from €1,281 to €51,564
- Tax, wage and social debts -€10,211
down €10,211 (-63.8%), from €16,011 to €5,800
of which Taxes: -€10,211
- Other debts -€8,240
down €8,240 (-96.6%), from €8,533 to €293
- Financial income +€273,356
up €273,356 (+405%), from €67,500 to €340,856
- Gross operating margin +€22,615
up €22,615 (+148%), from €15,252 to €37,867
- Financial charges -€2,137
down €2,137 (-50.0%), from €4,270 to €2,133
- Taxes +€1,317
up €1,317 (+21.6%), from €6,108 to €7,425
- Depreciation +€1,176
up €1,176 (+9.8%), from €11,988 to €13,164
From the 2024 result to the 2025 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.
Derived cash bridge
Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €316,624 | €602,889 | +€286,265 | +90.4% |
| Fixed assets | 21/28 | €293,967 | €32,303 | -€261,664 | -89.0% |
| Tangible fixed assets | 22/27 | €43,967 | €30,803 | -€13,164 | -29.9% |
| Furniture and vehicles | 24 | €43,967 | €30,803 | -€13,164 | -29.9% |
| Financial fixed assets | 28 | €250,000 | €1,500 | -€248,500 | -99.4% |
| Current assets | 29/58 | €22,657 | €570,587 | +€547,930 | +2,418% |
| Amounts receivable within one year | 40/41 | - | €563,110 | +€563,110 | |
| Other amounts receivable | 41 | - | €563,110 | +€563,110 | |
| Cash at bank and in hand | 54/58 | €21,779 | €6,597 | -€15,182 | -69.7% |
| Deferred charges and accrued income | 490/1 | €878 | €880 | +€2 | +0.2% |
| Total equity and liabilities | 10/49 | €316,624 | €602,889 | +€286,265 | +90.4% |
| Equity | 10/15 | €169,947 | €525,280 | +€355,333 | +209% |
| Contributions | 10/11 | €2,500 | €2,500 | = | 0.0% |
| Reserves | 13 | €167,447 | €167,447 | = | 0.0% |
| Distributable reserves | 133 | €167,447 | €167,447 | = | 0.0% |
| Profit (loss) carried forward | 14 | - | €355,333 | +€355,333 | |
| Amounts payable | 17/49 | €146,677 | €77,609 | -€69,068 | -47.1% |
| Amounts payable after more than one year | 17 | €120,725 | €19,817 | -€100,908 | -83.6% |
| Financial debts | 170/4 | €120,725 | €19,817 | -€100,908 | -83.6% |
| Amounts payable within one year | 42/48 | €25,824 | €57,791 | +€31,968 | +124% |
| Current portion of amounts payable after more than one year | 42 | €1,281 | €51,564 | +€50,284 | +3,926% |
| Trade debts | 44 | - | €134 | +€134 | |
| Suppliers | 440/4 | - | €134 | +€134 | |
| Taxes, remuneration and social security | 45 | €16,011 | €5,800 | -€10,211 | -63.8% |
| Taxes | 450/3 | €13,511 | €3,300 | -€10,211 | -75.6% |
| Remuneration and social security | 454/9 | €2,500 | €2,500 | = | 0.0% |
| Other amounts payable | 47/48 | €8,533 | €293 | -€8,240 | -96.6% |
| Accrued charges and deferred income | 492/3 | €128 | - | -€128 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €11,988 | €13,164 | +€1,176 | +9.8% |
| Other operating charges | 640/8 | €730 | €667 | -€63 | -8.6% |
| Gross operating margin | 9900 | €15,252 | €37,867 | +€22,615 | +148% |
| Operating profit (loss) | 9901 | €2,534 | €24,036 | +€21,501 | +848% |
| Financial income | 75/76B | €67,500 | €340,856 | +€273,356 | +405% |
| Recurring financial income | 75 | €67,500 | €340,856 | +€273,356 | +405% |
| Financial charges | 65/66B | €4,270 | €2,133 | -€2,137 | -50.0% |
| Recurring financial charges | 65 | €4,270 | €2,133 | -€2,137 | -50.0% |
| Profit (loss) for the period before taxes | 9903 | €65,764 | €362,758 | +€296,994 | +452% |
| Income taxes | 67/77 | €6,108 | €7,425 | +€1,317 | +21.6% |
| Profit (loss) for the period | 9904 | €59,656 | €355,333 | +€295,677 | +496% |
| Profit (loss) for the period to be appropriated | 9905 | €59,656 | €355,333 | +€295,677 | +496% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 25 October 2026 via checked.be.