AT ASSURANCES: 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.
AT ASSURANCES
Largest movements
- Receivables within one year -€8,783
down €8,783 (-13.3%), from €66,103 to €57,320
of which Other amounts receivable: -€11,588
- Tangible fixed assets -€5,049
down €5,049 (-33.3%), from €15,147 to €10,098
- Profit (loss) carried forward -€12,134
down €12,134 (-36.5%), from €33,222 to €21,088
- Debts after one year -€5,316
down €5,316 (-42.3%), from €12,559 to €7,243
- Tax, wage and social debts +€3,184
up €3,184 (+25.7%), from €12,398 to €15,583
of which Remuneration and social security: +€4,858
- Gross operating margin -€8,579
down €8,579 (-21.0%), from €40,880 to €32,302
- Staff costs +€7,221
up €7,221 (+23.8%), from €30,313 to €37,534
- Taxes -€2,971
no longer reported in 2024 (was €2,971)
From the 2023 result to the 2024 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.
Derived cash bridge
Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2023 | 2024 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €82,180 | €68,306 | -€13,874 | -16.9% |
| Fixed assets | 21/28 | €15,147 | €10,098 | -€5,049 | -33.3% |
| Tangible fixed assets | 22/27 | €15,147 | €10,098 | -€5,049 | -33.3% |
| Leasing and similar rights | 25 | €15,147 | €10,098 | -€5,049 | -33.3% |
| Current assets | 29/58 | €67,033 | €58,208 | -€8,825 | -13.2% |
| Amounts receivable within one year | 40/41 | €66,103 | €57,320 | -€8,783 | -13.3% |
| Trade receivables | 40 | €24,387 | €27,193 | +€2,805 | +11.5% |
| Other amounts receivable | 41 | €41,716 | €30,128 | -€11,588 | -27.8% |
| Cash at bank and in hand | 54/58 | €930 | €887 | -€43 | -4.6% |
| Total equity and liabilities | 10/49 | €82,180 | €68,306 | -€13,874 | -16.9% |
| Equity | 10/15 | €51,931 | €39,796 | -€12,134 | -23.4% |
| Contributions | 10/11 | €18,220 | €18,220 | = | 0.0% |
| Reserves | 13 | €488 | €488 | = | 0.0% |
| Non-distributable reserves | 130/1 | €488 | €488 | = | 0.0% |
| Reserves not available under the articles | 1311 | €488 | €488 | = | 0.0% |
| Profit (loss) carried forward | 14 | €33,222 | €21,088 | -€12,134 | -36.5% |
| Amounts payable | 17/49 | €30,249 | €28,509 | -€1,740 | -5.8% |
| Amounts payable after more than one year | 17 | €12,559 | €7,243 | -€5,316 | -42.3% |
| Financial debts | 170/4 | €12,559 | €7,243 | -€5,316 | -42.3% |
| Amounts payable within one year | 42/48 | €17,690 | €21,266 | +€3,576 | +20.2% |
| Current portion of amounts payable after more than one year | 42 | €4,924 | €5,316 | +€392 | +8.0% |
| Trade debts | 44 | €367 | €367 | -€0 | 0.0% |
| Suppliers | 440/4 | €367 | €367 | -€0 | 0.0% |
| Taxes, remuneration and social security | 45 | €12,398 | €15,583 | +€3,184 | +25.7% |
| Taxes | 450/3 | €2,483 | €810 | -€1,674 | -67.4% |
| Remuneration and social security | 454/9 | €9,915 | €14,773 | +€4,858 | +49.0% |
| Remuneration, social security and pensions | 62 | €30,313 | €37,534 | +€7,221 | +23.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €5,049 | €5,049 | = | 0.0% |
| Other operating charges | 640/8 | €486 | €511 | +€25 | +5.2% |
| Gross operating margin | 9900 | €40,880 | €32,302 | -€8,579 | -21.0% |
| Operating profit (loss) | 9901 | €5,032 | -€10,793 | -€15,825 | |
| Financial income | 75/76B | - | €147 | +€147 | |
| Recurring financial income | 75 | - | €147 | +€147 | |
| Non-recurring financial income | 76B | - | €147 | +€147 | |
| Financial charges | 65/66B | €1,623 | €1,488 | -€134 | -8.3% |
| Recurring financial charges | 65 | €1,623 | €1,488 | -€134 | -8.3% |
| Profit (loss) for the period before taxes | 9903 | €3,410 | -€12,134 | -€15,544 | |
| Income taxes | 67/77 | €2,971 | - | -€2,971 | |
| Profit (loss) for the period | 9904 | €439 | -€12,134 | -€12,573 | |
| Profit (loss) for the period to be appropriated | 9905 | €439 | -€12,134 | -€12,573 |
Source: filed annual accounts (NBB), financial years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 14 October 2026 via checked.be.