AssurProtect M&L: what changed
AssurProtect M&L
Largest movements
- Receivables within one year -€16,114
down €16,114 (-24.4%), from €66,097 to €49,983
of which Other amounts receivable: -€22,500
- Deferred charges and accrued income -€1,128
down €1,128 (-20.3%), from €5,543 to €4,415
- Trade debts -€17,030
down €17,030 (-39.8%), from €42,767 to €25,737
- Tax, wage and social debts +€6,035
up €6,035 (+123%), from €4,911 to €10,946
of which Remuneration and social security: +€5,406
- Profit (loss) carried forward -€4,325
down €4,325 (-6.3%), from -€68,225 to -€72,551
- Other debts -€2,750
down €2,750 (-3.2%), from €85,000 to €82,250
- Short-term financial debts +€1,227
up €1,227 (+51.3%), from €2,393 to €3,620
- Gross operating margin +€65,919
up €65,919, from -€16,817 to €49,102
- Staff costs +€4,210
up €4,210 (+8.8%), from €48,080 to €52,291
- Depreciation -€1,548
no longer reported in 2025 (was €1,548)
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
Cash or the result is not a separate line in both sets of accounts. So the cash flow cannot be derived from them.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €71,845 | €55,002 | -€16,843 | -23.4% |
| Fixed assets | 21/28 | €205 | €604 | +€399 | +194% |
| Financial fixed assets | 28 | €205 | €604 | +€399 | +194% |
| Current assets | 29/58 | €71,640 | €54,399 | -€17,242 | -24.1% |
| Amounts receivable within one year | 40/41 | €66,097 | €49,983 | -€16,114 | -24.4% |
| Trade receivables | 40 | €43,597 | €49,983 | +€6,386 | +14.6% |
| Other amounts receivable | 41 | €22,500 | - | -€22,500 | |
| Deferred charges and accrued income | 490/1 | €5,543 | €4,415 | -€1,128 | -20.3% |
| Total equity and liabilities | 10/49 | €71,845 | €55,002 | -€16,843 | -23.4% |
| Equity | 10/15 | -€63,225 | -€67,551 | -€4,325 | -6.8% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€68,225 | -€72,551 | -€4,325 | -6.3% |
| Amounts payable | 17/49 | €135,071 | €122,553 | -€12,518 | -9.3% |
| Amounts payable within one year | 42/48 | €135,071 | €122,553 | -€12,518 | -9.3% |
| Financial debts | 43 | €2,393 | €3,620 | +€1,227 | +51.3% |
| Credit institutions | 430/8 | €2,393 | €3,620 | +€1,227 | +51.3% |
| Trade debts | 44 | €42,767 | €25,737 | -€17,030 | -39.8% |
| Suppliers | 440/4 | €42,767 | €25,737 | -€17,030 | -39.8% |
| Taxes, remuneration and social security | 45 | €4,911 | €10,946 | +€6,035 | +123% |
| Taxes | 450/3 | €967 | €1,595 | +€629 | +65.1% |
| Remuneration and social security | 454/9 | €3,945 | €9,351 | +€5,406 | +137% |
| Other amounts payable | 47/48 | €85,000 | €82,250 | -€2,750 | -3.2% |
| Remuneration, social security and pensions | 62 | €48,080 | €52,291 | +€4,210 | +8.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,548 | - | -€1,548 | |
| Other operating charges | 640/8 | €772 | €400 | -€372 | -48.2% |
| Non-recurring operating charges | 66A | €258 | - | -€258 | |
| Gross operating margin | 9900 | -€16,817 | €49,102 | +€65,919 | |
| Operating profit (loss) | 9901 | -€67,476 | -€3,588 | +€63,888 | +94.7% |
| Financial income | 75/76B | €12 | €32 | +€20 | +165% |
| Recurring financial income | 75 | €12 | €32 | +€20 | +165% |
| Financial charges | 65/66B | €593 | €344 | -€249 | -42.0% |
| Recurring financial charges | 65 | €593 | €344 | -€249 | -42.0% |
| Profit (loss) for the period before taxes | 9903 | -€68,058 | -€3,901 | +€64,157 | +94.3% |
| Income taxes | 67/77 | €168 | €425 | +€257 | +153% |
| Profit (loss) for the period | 9904 | -€68,225 | -€4,325 | +€63,900 | +93.7% |
| Profit (loss) for the period to be appropriated | 9905 | -€68,225 | -€4,325 | +€63,900 | +93.7% |
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 3 November 2026 via checked.be.