Assuri: 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.
What changed
Assuri
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€504,039
2024 · €230,918+€273,121
Equity
€206,030
2024 · €201,990+€4,039
Cash
€329,727
2024 · €52,779+€276,948
Balance sheet total
€1.1m
2024 · €853,748+€244,272
Largest movements
Assets
- Cash +€276,948
up €276,948 (+524.7%), from €52,779 to €329,727
mainly Net result for the year (+€504,039) and Other debts (+€270,000)
- Intangible fixed assets -€25,087
down €25,087 (-16.0%), from €156,572 to €131,485
- Tangible fixed assets -€23,072
down €23,072 (-13.3%), from €173,194 to €150,122
of which Other tangible fixed assets: -€20,938
- Receivables within one year +€22,425
up €22,425 (+13.4%), from €167,001 to €189,426
of which Other amounts receivable: +€12,626
Equity and liabilities
- Other debts +€270,000
up €270,000 (+117.4%), from €230,000 to €500,000
- Debts after one year -€41,041
down €41,041 (-17.1%), from €239,808 to €198,767
Income statement
- Gross operating margin +€205,206
up €205,206 (+15.8%), from €1.3m to €1.5m
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.
Result 2024
€230,918
Gross operating margin
+€205,206
Staff costs
+€3,088
Depreciation
-€1,222
Write-downs
+€1,378
Other operating charges
-€5,517
Other operating items
+€85,646
Financial income
-€2,496
Financial charges
-€5,614
Taxes
-€7,348
Result 2025
€504,039
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.
From operations
+€839,367
Investment
-€21,824
Financing
-€540,595
Cash 2024
€52,779
From operations (derived)
+€839,367
Net result for the year
+€504,039
Depreciation
+€72,484
Receivables within one year
-€22,425
Deferred charges and accrued income
+€4,442
Trade debts
+€6,148
Tax, wage and social debts
+€5,129
Smaller working-capital items
-€449
Other debts
+€270,000
Investment (derived)
-€21,824
Investment in fixed assets (net)
-€21,824
Financing
-€540,595
Debts after one year
-€41,041
Current portion of long-term debt
+€445
Contributions, distributions and other
-€500,000
Cash 2025
€329,727
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €853,748 | €1,098,020 | +€244,272 | +28.6% |
| Fixed assets | 21/28 | €347,266 | €296,607 | -€50,660 | -14.6% |
| Intangible fixed assets | 21 | €156,572 | €131,485 | -€25,087 | -16.0% |
| Tangible fixed assets | 22/27 | €173,194 | €150,122 | -€23,072 | -13.3% |
| Plant, machinery and equipment | 23 | €0 | - | = | |
| Furniture and vehicles | 24 | €9,004 | €6,869 | -€2,135 | -23.7% |
| Other tangible fixed assets | 26 | €164,191 | €143,253 | -€20,938 | -12.8% |
| Financial fixed assets | 28 | €17,500 | €15,000 | -€2,500 | -14.3% |
| Current assets | 29/58 | €506,481 | €801,413 | +€294,932 | +58.2% |
| Amounts receivable within one year | 40/41 | €167,001 | €189,426 | +€22,425 | +13.4% |
| Trade receivables | 40 | €4,135 | €13,934 | +€9,799 | +237.0% |
| Other amounts receivable | 41 | €162,866 | €175,492 | +€12,626 | +7.8% |
| Current investments | 50/53 | €1,250 | €1,250 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €52,779 | €329,727 | +€276,948 | +524.7% |
| Deferred charges and accrued income | 490/1 | €285,452 | €281,010 | -€4,442 | -1.6% |
| Total equity and liabilities | 10/49 | €853,748 | €1,098,020 | +€244,272 | +28.6% |
| Equity | 10/15 | €201,990 | €206,030 | +€4,039 | +2.0% |
| Contributions | 10/11 | €84,213 | €84,213 | = | 0.0% |
| Reserves | 13 | €117,777 | €121,817 | +€4,039 | +3.4% |
| Distributable reserves | 133 | €117,777 | €121,817 | +€4,039 | +3.4% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €651,757 | €891,990 | +€240,233 | +36.9% |
| Amounts payable after more than one year | 17 | €239,808 | €198,767 | -€41,041 | -17.1% |
| Financial debts | 170/4 | €239,808 | €198,767 | -€41,041 | -17.1% |
| Amounts payable within one year | 42/48 | €411,792 | €693,223 | +€281,431 | +68.3% |
| Current portion of amounts payable after more than one year | 42 | €40,595 | €41,041 | +€445 | +1.1% |
| Trade debts | 44 | €54,248 | €60,397 | +€6,148 | +11.3% |
| Suppliers | 440/4 | €54,248 | €60,397 | +€6,148 | +11.3% |
| Advances received on contracts in progress | 46 | €291 | €0 | -€291 | -100.0% |
| Taxes, remuneration and social security | 45 | €86,657 | €91,786 | +€5,129 | +5.9% |
| Taxes | 450/3 | €45 | €2,575 | +€2,530 | +5603.4% |
| Remuneration and social security | 454/9 | €86,612 | €89,211 | +€2,599 | +3.0% |
| Other amounts payable | 47/48 | €230,000 | €500,000 | +€270,000 | +117.4% |
| Accrued charges and deferred income | 492/3 | €158 | €0 | -€158 | -100.0% |
| Remuneration, social security and pensions | 62 | €885,750 | €882,662 | -€3,088 | -0.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €71,261 | €72,484 | +€1,222 | +1.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €1,378 | €0 | -€1,378 | -100.0% |
| Other operating charges | 640/8 | €9,888 | €15,405 | +€5,517 | +55.8% |
| Non-recurring operating charges | 66A | €85,646 | €0 | -€85,646 | -100.0% |
| Gross operating margin | 9900 | €1,302,308 | €1,507,515 | +€205,206 | +15.8% |
| Operating profit (loss) | 9901 | €248,385 | €536,965 | +€288,579 | +116.2% |
| Financial income | 75/76B | €2,556 | €61 | -€2,496 | -97.6% |
| Recurring financial income | 75 | €2,556 | €61 | -€2,496 | -97.6% |
| Financial charges | 65/66B | €9,821 | €15,435 | +€5,614 | +57.2% |
| Recurring financial charges | 65 | €9,821 | €15,435 | +€5,614 | +57.2% |
| Profit (loss) for the period before taxes | 9903 | €241,121 | €521,590 | +€280,469 | +116.3% |
| Income taxes | 67/77 | €10,202 | €17,551 | +€7,348 | +72.0% |
| Profit (loss) for the period | 9904 | €230,918 | €504,039 | +€273,121 | +118.3% |
| Profit (loss) for the period to be appropriated | 9905 | €230,918 | €504,039 | +€273,121 | +118.3% |
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 29 September 2026 via checked.be.