AssurRisk: what changed
Two financial 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.
AssurRisk
Largest movements
- Intangible fixed assets -€34,374
down €34,374 (-33.3%), from €103,122 to €68,748
- Cash +€22,981
up €22,981 (+150.1%), from €15,307 to €38,288
mainly Depreciation (+€51,866) and Tax, wage and social debts (+€19,551)
- Tangible fixed assets -€17,492
down €17,492 (-6.7%), from €260,771 to €243,279
of which Land and buildings: -€15,831
- Receivables within one year -€6,013
down €6,013 (-53.3%), from €11,272 to €5,259
- Debts after one year -€48,084
down €48,084 (-17.5%), from €274,300 to €226,217
- Tax, wage and social debts +€19,551
up €19,551 (+100.4%), from €19,477 to €39,028
of which Remuneration and social security: +€16,158
- Current portion of long-term debt -€14,226
down €14,226 (-22.8%), from €62,310 to €48,084
- Profit (loss) carried forward +€12,986
up €12,986 (+30.3%), from -€42,855 to -€29,869
- Accrued charges and deferred income -€9,253
down €9,253 (-12.4%), from €74,725 to €65,472
- Gross operating margin -€65,496
down €65,496 (-18.3%), from €357,712 to €292,216
- Staff costs -€63,519
down €63,519 (-24.7%), from €257,162 to €193,643
- Depreciation -€11,675
down €11,675 (-18.4%), from €63,541 to €51,866
- Other operating charges -€7,673
down €7,673 (-42.6%), from €18,009 to €10,337
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €443,824 | €404,773 | -€39,051 | -8.8% |
| Fixed assets | 21/28 | €363,893 | €312,027 | -€51,866 | -14.3% |
| Intangible fixed assets | 21 | €103,122 | €68,748 | -€34,374 | -33.3% |
| Tangible fixed assets | 22/27 | €260,771 | €243,279 | -€17,492 | -6.7% |
| Land and buildings | 22 | €259,110 | €243,279 | -€15,831 | -6.1% |
| Furniture and vehicles | 24 | €1,661 | €0 | -€1,661 | -100.0% |
| Current assets | 29/58 | €79,931 | €92,746 | +€12,815 | +16.0% |
| Amounts receivable within one year | 40/41 | €11,272 | €5,259 | -€6,013 | -53.3% |
| Trade receivables | 40 | €11,272 | €5,259 | -€6,013 | -53.3% |
| Cash at bank and in hand | 54/58 | €15,307 | €38,288 | +€22,981 | +150.1% |
| Deferred charges and accrued income | 490/1 | €53,352 | €49,200 | -€4,153 | -7.8% |
| Total equity and liabilities | 10/49 | €443,824 | €404,773 | -€39,051 | -8.8% |
| Equity | 10/15 | -€20,850 | -€7,864 | +€12,986 | +62.3% |
| Contributions | 10/11 | €20,000 | €20,000 | = | 0.0% |
| Reserves | 13 | €2,005 | €2,005 | = | 0.0% |
| Distributable reserves | 133 | €2,005 | €2,005 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€42,855 | -€29,869 | +€12,986 | +30.3% |
| Provisions and deferred taxes | 16 | €0 | - | = | |
| Provisions for liabilities and charges | 160/5 | €0 | - | = | |
| Other liabilities and charges | 164/5 | €0 | - | = | |
| Amounts payable | 17/49 | €464,674 | €412,637 | -€52,036 | -11.2% |
| Amounts payable after more than one year | 17 | €274,300 | €226,217 | -€48,084 | -17.5% |
| Financial debts | 170/4 | €274,300 | €226,217 | -€48,084 | -17.5% |
| Amounts payable within one year | 42/48 | €115,648 | €120,948 | +€5,300 | +4.6% |
| Current portion of amounts payable after more than one year | 42 | €62,310 | €48,084 | -€14,226 | -22.8% |
| Trade debts | 44 | €2,898 | €2,873 | -€25 | -0.9% |
| Suppliers | 440/4 | €2,898 | €2,873 | -€25 | -0.9% |
| Taxes, remuneration and social security | 45 | €19,477 | €39,028 | +€19,551 | +100.4% |
| Taxes | 450/3 | €6,903 | €10,297 | +€3,394 | +49.2% |
| Remuneration and social security | 454/9 | €12,574 | €28,732 | +€16,158 | +128.5% |
| Other amounts payable | 47/48 | €30,964 | €30,964 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | €74,725 | €65,472 | -€9,253 | -12.4% |
| Remuneration, social security and pensions | 62 | €257,162 | €193,643 | -€63,519 | -24.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €63,541 | €51,866 | -€11,675 | -18.4% |
| Other operating charges | 640/8 | €18,009 | €10,337 | -€7,673 | -42.6% |
| Gross operating margin | 9900 | €357,712 | €292,216 | -€65,496 | -18.3% |
| Operating profit (loss) | 9901 | €18,999 | €36,371 | +€17,372 | +91.4% |
| Financial income | 75/76B | €0 | €27 | +€26 | +26450.0% |
| Recurring financial income | 75 | €0 | €27 | +€26 | +26450.0% |
| Financial charges | 65/66B | €16,149 | €17,059 | +€910 | +5.6% |
| Recurring financial charges | 65 | €16,149 | €17,059 | +€910 | +5.6% |
| Profit (loss) for the period before taxes | 9903 | €2,850 | €19,338 | +€16,488 | +578.5% |
| Income taxes | 67/77 | €2,809 | €6,353 | +€3,543 | +126.1% |
| Profit (loss) for the period | 9904 | €41 | €12,986 | +€12,945 | +31396.2% |
| Profit (loss) for the period to be appropriated | 9905 | €41 | €12,986 | +€12,945 | +31396.2% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 9 October 2026 via checked.be.