ASSURANTIS: what changed
Two fiscal 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.
ASSURANTIS
Largest movements
- Cash -€1,638
down €1,638 (-52.9%), from €3,098 to €1,461
mainly Other debts (-€17,000) and Contributions, distributions and other (-€5,000)
- Receivables within one year -€1,450
down €1,450 (-4.1%), from €35,340 to €33,890
of which Trade receivables: -€9,586
- Other debts -€17,000
down €17,000 (-63.2%), from €26,889 to €9,889
- Reserves +€12,000
new in 2025: €12,000
- Tax, wage and social debts +€2,764
up €2,764 (+28.8%), from €9,590 to €12,355
of which Taxes: +€4,214
- Trade debts -€1,335
no longer reported in 2025 (was €1,335)
- Other operating charges +€11,058
up €11,058 (+947.3%), from €1,167 to €12,225
- Gross operating margin +€4,571
up €4,571 (+14.8%), from €30,814 to €35,385
- Taxes +€1,220
up €1,220 (+27.3%), from €4,475 to €5,696
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.
Cash bridge derived
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 | €64,784 | €61,429 | -€3,356 | -5.2% |
| Fixed assets | 21/28 | €1,346 | €1,078 | -€268 | -19.9% |
| Tangible fixed assets | 22/27 | €961 | €693 | -€268 | -27.9% |
| Furniture and vehicles | 24 | €961 | €693 | -€268 | -27.9% |
| Financial fixed assets | 28 | €385 | €385 | = | 0.0% |
| Current assets | 29/58 | €63,438 | €60,351 | -€3,088 | -4.9% |
| Amounts receivable after more than one year | 29 | €25,000 | €25,000 | = | 0.0% |
| Other amounts receivable | 291 | €25,000 | €25,000 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €35,340 | €33,890 | -€1,450 | -4.1% |
| Trade receivables | 40 | €18,541 | €8,955 | -€9,586 | -51.7% |
| Other amounts receivable | 41 | €16,798 | €24,935 | +€8,136 | +48.4% |
| Cash at bank and in hand | 54/58 | €3,098 | €1,461 | -€1,638 | -52.9% |
| Total equity and liabilities | 10/49 | €64,784 | €61,429 | -€3,356 | -5.2% |
| Equity | 10/15 | €26,969 | €39,185 | +€12,215 | +45.3% |
| Contributions | 10/11 | €19,000 | €19,000 | = | 0.0% |
| Reserves | 13 | - | €12,000 | +€12,000 | |
| Distributable reserves | 133 | - | €12,000 | +€12,000 | |
| Profit (loss) carried forward | 14 | €7,969 | €8,185 | +€215 | +2.7% |
| Amounts payable | 17/49 | €37,815 | €22,244 | -€15,571 | -41.2% |
| Amounts payable within one year | 42/48 | €37,815 | €22,244 | -€15,571 | -41.2% |
| Trade debts | 44 | €1,335 | - | -€1,335 | |
| Suppliers | 440/4 | €1,335 | - | -€1,335 | |
| Taxes, remuneration and social security | 45 | €9,590 | €12,355 | +€2,764 | +28.8% |
| Taxes | 450/3 | €5,464 | €9,679 | +€4,214 | +77.1% |
| Remuneration and social security | 454/9 | €4,126 | €2,676 | -€1,450 | -35.1% |
| Other amounts payable | 47/48 | €26,889 | €9,889 | -€17,000 | -63.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €268 | €268 | = | 0.0% |
| Other operating charges | 640/8 | €1,167 | €12,225 | +€11,058 | +947.3% |
| Gross operating margin | 9900 | €30,814 | €35,385 | +€4,571 | +14.8% |
| Operating profit (loss) | 9901 | €29,378 | €22,891 | -€6,488 | -22.1% |
| Financial income | 75/76B | €140 | €140 | = | 0.0% |
| Recurring financial income | 75 | €140 | €140 | = | 0.0% |
| Financial charges | 65/66B | €205 | €120 | -€85 | -41.3% |
| Recurring financial charges | 65 | €205 | €120 | -€85 | -41.3% |
| Profit (loss) for the period before taxes | 9903 | €29,314 | €22,911 | -€6,403 | -21.8% |
| Income taxes | 67/77 | €4,475 | €5,696 | +€1,220 | +27.3% |
| Profit (loss) for the period | 9904 | €24,839 | €17,215 | -€7,624 | -30.7% |
| Profit (loss) for the period to be appropriated | 9905 | €24,839 | €17,215 | -€7,624 | -30.7% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 5 October 2026 via checked.be.