ASSURIMMOGROUP: what changed
What changed
ASSURIMMOGROUP
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€22,714
2024 · -€4,607+€27,321
Equity
€50,967
2024 · €28,253+€22,714
Cash
€36,820
2024 · €14,517+€22,303
Balance sheet total
€129,192
2024 · €119,518+€9,674
Largest movements
Assets
- Cash +€22,303
up €22,303 (+154%), from €14,517 to €36,820
mainly Net result for the year (+€22,714) and Depreciation (+€16,153)
- Intangible fixed assets -€13,983
down €13,983 (-17.0%), from €82,354 to €68,371
- Receivables within one year +€2,159
up €2,159 (+21.8%), from €9,906 to €12,065
of which Other amounts receivable: +€1,349
Equity and liabilities
- Profit (loss) carried forward +€22,714
up €22,714 (+112%), from €20,193 to €42,907
- Debts after one year -€7,438
down €7,438 (-10.6%), from €69,911 to €62,473
- Other debts -€2,886
no longer reported in 2025 (was €2,886)
- Accrued charges and deferred income -€1,842
no longer reported in 2025 (was €1,842)
Income statement
- Staff costs -€18,452
down €18,452 (-93.3%), from €19,768 to €1,316
- Gross operating margin +€16,013
up €16,013 (+42.5%), from €37,715 to €53,728
- Taxes +€6,700
up €6,700 (+855%), from €784 to €7,484
- Depreciation +€622
up €622 (+4.0%), from €15,531 to €16,153
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
-€4,607
Gross operating margin
+€16,013
Staff costs
+€18,452
Depreciation
-€622
Other operating charges
-€346
Financial income
+€71
Financial charges
+€453
Taxes
-€6,700
Result 2025
€22,714
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
+€30,921
Investment
-€1,044
Financing
-€7,574
Cash 2024
€14,517
From operations (derived)
+€30,921
Net result for the year
+€22,714
Depreciation
+€16,153
Receivables within one year
-€2,159
Deferred charges and accrued income
-€321
Trade debts
-€32
Tax, wage and social debts
-€706
Other debts
-€2,886
Accrued charges and deferred income
-€1,842
Investment (derived)
-€1,044
Investment in fixed assets (net)
-€1,044
Financing
-€7,574
Debts after one year
-€7,438
Current portion of long-term debt
-€136
Cash 2025
€36,820
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €119,518 | €129,192 | +€9,674 | +8.1% |
| Fixed assets | 21/28 | €92,557 | €77,448 | -€15,109 | -16.3% |
| Intangible fixed assets | 21 | €82,354 | €68,371 | -€13,983 | -17.0% |
| Tangible fixed assets | 22/27 | €10,203 | €9,077 | -€1,126 | -11.0% |
| Furniture and vehicles | 24 | €4,777 | €4,351 | -€426 | -8.9% |
| Other tangible fixed assets | 26 | €5,426 | €4,726 | -€700 | -12.9% |
| Current assets | 29/58 | €26,961 | €51,744 | +€24,783 | +91.9% |
| Amounts receivable within one year | 40/41 | €9,906 | €12,065 | +€2,159 | +21.8% |
| Trade receivables | 40 | €1,509 | €2,319 | +€810 | +53.7% |
| Other amounts receivable | 41 | €8,397 | €9,746 | +€1,349 | +16.1% |
| Cash at bank and in hand | 54/58 | €14,517 | €36,820 | +€22,303 | +154% |
| Deferred charges and accrued income | 490/1 | €2,538 | €2,859 | +€321 | +12.6% |
| Total equity and liabilities | 10/49 | €119,518 | €129,192 | +€9,674 | +8.1% |
| Equity | 10/15 | €28,253 | €50,967 | +€22,714 | +80.4% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €20,193 | €42,907 | +€22,714 | +112% |
| Amounts payable | 17/49 | €91,265 | €78,225 | -€13,040 | -14.3% |
| Amounts payable after more than one year | 17 | €69,911 | €62,473 | -€7,438 | -10.6% |
| Financial debts | 170/4 | €69,911 | €62,473 | -€7,438 | -10.6% |
| Amounts payable within one year | 42/48 | €19,512 | €15,752 | -€3,760 | -19.3% |
| Current portion of amounts payable after more than one year | 42 | €7,575 | €7,439 | -€136 | -1.8% |
| Trade debts | 44 | €2,957 | €2,925 | -€32 | -1.1% |
| Suppliers | 440/4 | €2,957 | €2,925 | -€32 | -1.1% |
| Taxes, remuneration and social security | 45 | €6,094 | €5,388 | -€706 | -11.6% |
| Taxes | 450/3 | €3,762 | €5,282 | +€1,520 | +40.4% |
| Remuneration and social security | 454/9 | €2,332 | €106 | -€2,226 | -95.5% |
| Other amounts payable | 47/48 | €2,886 | - | -€2,886 | |
| Accrued charges and deferred income | 492/3 | €1,842 | - | -€1,842 | |
| Remuneration, social security and pensions | 62 | €19,768 | €1,316 | -€18,452 | -93.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €15,531 | €16,153 | +€622 | +4.0% |
| Other operating charges | 640/8 | €980 | €1,326 | +€346 | +35.3% |
| Gross operating margin | 9900 | €37,715 | €53,728 | +€16,013 | +42.5% |
| Operating profit (loss) | 9901 | €1,436 | €34,933 | +€33,497 | +2,333% |
| Financial income | 75/76B | €23 | €94 | +€71 | +309% |
| Recurring financial income | 75 | €23 | €94 | +€71 | +309% |
| Financial charges | 65/66B | €5,282 | €4,829 | -€453 | -8.6% |
| Recurring financial charges | 65 | €5,282 | €4,829 | -€453 | -8.6% |
| Profit (loss) for the period before taxes | 9903 | -€3,823 | €30,198 | +€34,021 | |
| Income taxes | 67/77 | €784 | €7,484 | +€6,700 | +855% |
| Profit (loss) for the period | 9904 | -€4,607 | €22,714 | +€27,321 | |
| Profit (loss) for the period to be appropriated | 9905 | -€4,607 | €22,714 | +€27,321 |
Next steps
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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 3 November 2026 via checked.be.