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ASSURLYS: 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

ASSURLYS

BE 0874.597.035
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€20,050
2024 · €25,902-€5,852
Equity
€287,156
2024 · €267,106+€20,050
Cash
€43,255
2024 · €29,613+€13,642
Balance sheet total
€446,233
2024 · €416,172+€30,062

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets +€16,419

    up €16,419 (+33.9%), from €48,452 to €64,871

    of which Furniture and vehicles: +€26,619

  • Cash +€13,642

    up €13,642 (+46.1%), from €29,613 to €43,255

    mainly Other debts (+€96,025) and Net result for the year (+€20,050)

Equity and liabilities
  • Other debts +€96,025

    up €96,025 (+220.1%), from €43,630 to €139,655

  • Debts after one year -€55,235

    down €55,235 (-92.0%), from €60,037 to €4,802

  • Current portion of long-term debt -€24,584

    down €24,584 (-77.7%), from €31,625 to €7,040

  • Reserves +€20,050

    up €20,050 (+7.7%), from €260,906 to €280,956

    of which Distributable reserves: +€20,050

  • Tax, wage and social debts -€7,238

    down €7,238 (-54.3%), from €13,332 to €6,093

    of which Taxes: -€7,337

Income statement
  • Financial charges +€5,208

    up €5,208 (+111.0%), from €4,691 to €9,898

  • Financial income +€3,024

    up €3,024 (+3585.3%), from €84 to €3,108

  • Taxes +€2,734

    up €2,734 (+19.9%), from €13,745 to €16,479

  • Depreciation -€1,877

    down €1,877 (-10.1%), from €18,522 to €16,645

From the 2024 result to the 2025 result

effect on the 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 €25,902
Gross operating margin -€343
Staff costs -€75
Depreciation +€1,877
Other operating charges -€12
Other operating items -€2,382
Financial income +€3,024
Financial charges -€5,208
Taxes -€2,734
Result 2025 €20,050

Cash bridge derived

cash 2024 to 2025

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 +€126,526
Investment -€33,064
Financing -€79,819
Cash 2024 €29,613
Net result for the year +€20,050
Depreciation +€16,645
Trade debts +€1,044
Tax, wage and social debts -€7,238
Other debts +€96,025
Investment in fixed assets (net) -€33,064
Debts after one year -€55,235
Current portion of long-term debt -€24,584
Cash 2025 €43,255
Every line side by side 43 lines
Line Code 2024 2025 Change %
Total assets 20/58 €416,172 €446,233 +€30,062 +7.2%
Fixed assets 21/28 €384,058 €400,478 +€16,419 +4.3%
Tangible fixed assets 22/27 €48,452 €64,871 +€16,419 +33.9%
Land and buildings 22 €30,600 €20,400 -€10,200 -33.3%
Furniture and vehicles 24 €17,852 €44,471 +€26,619 +149.1%
Financial fixed assets 28 €335,606 €335,606 = 0.0%
Current assets 29/58 €32,113 €45,755 +€13,642 +42.5%
Amounts receivable within one year 40/41 €2,500 €2,500 = 0.0%
Other amounts receivable 41 €2,500 €2,500 = 0.0%
Cash at bank and in hand 54/58 €29,613 €43,255 +€13,642 +46.1%
Total equity and liabilities 10/49 €416,172 €446,233 +€30,062 +7.2%
Equity 10/15 €267,106 €287,156 +€20,050 +7.5%
Contributions 10/11 €6,200 €6,200 = 0.0%
Reserves 13 €260,906 €280,956 +€20,050 +7.7%
Non-distributable reserves 130/1 €1,860 €1,860 = 0.0%
Reserves not available under the articles 1311 €1,860 €1,860 = 0.0%
Tax-exempt reserves 132 €36,000 €36,000 = 0.0%
Distributable reserves 133 €223,046 €243,096 +€20,050 +9.0%
Amounts payable 17/49 €149,066 €159,077 +€10,011 +6.7%
Amounts payable after more than one year 17 €60,037 €4,802 -€55,235 -92.0%
Financial debts 170/4 €60,037 €4,802 -€55,235 -92.0%
Amounts payable within one year 42/48 €89,029 €154,275 +€65,246 +73.3%
Current portion of amounts payable after more than one year 42 €31,625 €7,040 -€24,584 -77.7%
Trade debts 44 €442 €1,486 +€1,044 +236.2%
Suppliers 440/4 €442 €1,486 +€1,044 +236.2%
Taxes, remuneration and social security 45 €13,332 €6,093 -€7,238 -54.3%
Taxes 450/3 €11,136 €3,800 -€7,337 -65.9%
Remuneration and social security 454/9 €2,195 €2,294 +€98 +4.5%
Other amounts payable 47/48 €43,630 €139,655 +€96,025 +220.1%
Remuneration, social security and pensions 62 €12,822 €12,896 +€75 +0.6%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €18,522 €16,645 -€1,877 -10.1%
Other operating charges 640/8 €1,812 €1,824 +€12 +0.7%
Non-recurring operating charges 66A - €2,382 +€2,382
Gross operating margin 9900 €77,409 €77,066 -€343 -0.4%
Operating profit (loss) 9901 €44,254 €43,319 -€935 -2.1%
Financial income 75/76B €84 €3,108 +€3,024 +3585.3%
Recurring financial income 75 €84 €3,108 +€3,024 +3585.3%
Financial charges 65/66B €4,691 €9,898 +€5,208 +111.0%
Recurring financial charges 65 €4,691 €9,898 +€5,208 +111.0%
Profit (loss) for the period before taxes 9903 €39,647 €36,529 -€3,118 -7.9%
Income taxes 67/77 €13,745 €16,479 +€2,734 +19.9%
Profit (loss) for the period 9904 €25,902 €20,050 -€5,852 -22.6%
Profit (loss) for the period to be appropriated 9905 €25,902 €20,050 -€5,852 -22.6%

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 30 September 2026 via checked.be.