ASSURINYO FINANCE: what changed
ASSURINYO FINANCE
Largest movements
- Cash +€212,082
up €212,082 (+641%), from €33,103 to €245,185
mainly Investment in fixed assets (net) (+€192,667) and Other debts (+€179,625)
- Tangible fixed assets -€204,107
down €204,107 (-87.2%), from €234,147 to €30,041
of which Land and buildings: -€201,512
- Receivables within one year +€20,630
up €20,630 (+28.9%), from €71,352 to €91,982
- Other debts +€179,625
up €179,625 (+39,286%), from €457 to €180,082
- Debts after one year -€155,071
down €155,071 (-65.5%), from €236,720 to €81,649
- Current portion of long-term debt -€29,941
down €29,941 (-75.5%), from €39,656 to €9,715
- Reserves +€25,000
up €25,000 (+55.6%), from €45,000 to €70,000
- Tax, wage and social debts +€7,079
up €7,079 (+2,360%), from €300 to €7,379
- Gross operating margin +€100,039
up €100,039 (+340%), from €29,426 to €129,465
- Depreciation -€10,526
down €10,526 (-47.9%), from €21,965 to €11,440
- Taxes +€8,899
up €8,899 (+4,929%), from €181 to €9,080
- Other operating charges +€2,182
up €2,182 (+87.3%), from €2,498 to €4,680
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 | €345,956 | €372,172 | +€26,217 | +7.6% |
| Fixed assets | 21/28 | €234,232 | €30,126 | -€204,107 | -87.1% |
| Tangible fixed assets | 22/27 | €234,147 | €30,041 | -€204,107 | -87.2% |
| Land and buildings | 22 | €229,245 | €27,733 | -€201,512 | -87.9% |
| Plant, machinery and equipment | 23 | €1,991 | €1,034 | -€957 | -48.1% |
| Furniture and vehicles | 24 | €2,911 | €1,274 | -€1,637 | -56.2% |
| Financial fixed assets | 28 | €85 | €85 | = | 0.0% |
| Current assets | 29/58 | €111,723 | €342,047 | +€230,323 | +206% |
| Stocks and contracts in progress | 3 | €1,154 | €1,056 | -€98 | -8.5% |
| Stocks | 30/36 | €1,154 | €1,056 | -€98 | -8.5% |
| Amounts receivable within one year | 40/41 | €71,352 | €91,982 | +€20,630 | +28.9% |
| Other amounts receivable | 41 | €71,352 | €91,982 | +€20,630 | +28.9% |
| Cash at bank and in hand | 54/58 | €33,103 | €245,185 | +€212,082 | +641% |
| Deferred charges and accrued income | 490/1 | €6,115 | €3,824 | -€2,291 | -37.5% |
| Total equity and liabilities | 10/49 | €345,956 | €372,172 | +€26,217 | +7.6% |
| Equity | 10/15 | €56,322 | €80,847 | +€24,525 | +43.5% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €45,000 | €70,000 | +€25,000 | +55.6% |
| Distributable reserves | 133 | €45,000 | €70,000 | +€25,000 | +55.6% |
| Profit (loss) carried forward | 14 | €5,122 | €4,647 | -€475 | -9.3% |
| Amounts payable | 17/49 | €289,634 | €291,326 | +€1,692 | +0.6% |
| Amounts payable after more than one year | 17 | €236,720 | €81,649 | -€155,071 | -65.5% |
| Financial debts | 170/4 | €236,720 | €81,649 | -€155,071 | -65.5% |
| Amounts payable within one year | 42/48 | €40,414 | €197,177 | +€156,763 | +388% |
| Current portion of amounts payable after more than one year | 42 | €39,656 | €9,715 | -€29,941 | -75.5% |
| Trade debts | 44 | €0 | - | = | |
| Suppliers | 440/4 | €0 | - | = | |
| Taxes, remuneration and social security | 45 | €300 | €7,379 | +€7,079 | +2,360% |
| Taxes | 450/3 | €300 | €7,379 | +€7,079 | +2,360% |
| Other amounts payable | 47/48 | €457 | €180,082 | +€179,625 | +39,286% |
| Accrued charges and deferred income | 492/3 | €12,500 | €12,500 | = | 0.0% |
| Non-recurring operating income | 76A | €0 | €155,187 | +€155,187 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €21,965 | €11,440 | -€10,526 | -47.9% |
| Other operating charges | 640/8 | €2,498 | €4,680 | +€2,182 | +87.3% |
| Non-recurring operating charges | 66A | - | €74,000 | +€74,000 | |
| Gross operating margin | 9900 | €29,426 | €129,465 | +€100,039 | +340% |
| Operating profit (loss) | 9901 | €4,962 | €39,345 | +€34,383 | +693% |
| Financial income | 75/76B | €758 | €731 | -€27 | -3.6% |
| Recurring financial income | 75 | €758 | €731 | -€27 | -3.6% |
| Financial charges | 65/66B | €5,430 | €6,471 | +€1,041 | +19.2% |
| Recurring financial charges | 65 | €5,430 | €6,471 | +€1,041 | +19.2% |
| Profit (loss) for the period before taxes | 9903 | €290 | €33,604 | +€33,314 | +11,477% |
| Income taxes | 67/77 | €181 | €9,080 | +€8,899 | +4,929% |
| Profit (loss) for the period | 9904 | €110 | €24,525 | +€24,415 | +22,254% |
| Profit (loss) for the period to be appropriated | 9905 | €110 | €24,525 | +€24,415 | +22,254% |
Next steps
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 7 November 2026 via checked.be.