BARVAUX 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.
BARVAUX ASSURANCES
Largest movements
- Cash +€28,089
up €28,089 (+9.0%), from €313,135 to €341,224
mainly Net result for the year (+€47,916) and Receivables within one year (+€21,932)
- Receivables within one year -€21,932
down €21,932 (-84.1%), from €26,072 to €4,141
of which Other amounts receivable: -€22,226
- Tangible fixed assets +€20,134
up €20,134 (+60.6%), from €33,214 to €53,349
of which Furniture and vehicles: +€18,745
- Reserves +€34,351
up €34,351 (+410%), from €8,375 to €42,726
- Trade debts -€7,969
down €7,969 (-36.6%), from €21,797 to €13,828
- Gross operating margin +€23,895
up €23,895 (+24.1%), from €99,238 to €123,133
- Staff costs -€19,565
down €19,565 (-31.2%), from €62,642 to €43,078
- Taxes +€9,906
up €9,906 (+135%), from €7,341 to €17,246
- Depreciation +€4,505
up €4,505 (+44.9%), from €10,032 to €14,537
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.
Derived cash bridge
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 | €382,827 | €409,714 | +€26,886 | +7.0% |
| Fixed assets | 21/28 | €33,394 | €53,529 | +€20,134 | +60.3% |
| Tangible fixed assets | 22/27 | €33,214 | €53,349 | +€20,134 | +60.6% |
| Furniture and vehicles | 24 | €32,542 | €51,287 | +€18,745 | +57.6% |
| Other tangible fixed assets | 26 | €673 | €2,062 | +€1,389 | +207% |
| Financial fixed assets | 28 | €180 | €180 | = | 0.0% |
| Current assets | 29/58 | €349,433 | €356,185 | +€6,752 | +1.9% |
| Amounts receivable within one year | 40/41 | €26,072 | €4,141 | -€21,932 | -84.1% |
| Trade receivables | 40 | €3,846 | €4,141 | +€295 | +7.7% |
| Other amounts receivable | 41 | €22,226 | €0 | -€22,226 | -100% |
| Cash at bank and in hand | 54/58 | €313,135 | €341,224 | +€28,089 | +9.0% |
| Deferred charges and accrued income | 490/1 | €10,225 | €10,820 | +€594 | +5.8% |
| Total equity and liabilities | 10/49 | €382,827 | €409,714 | +€26,886 | +7.0% |
| Equity | 10/15 | €332,746 | €365,661 | +€32,916 | +9.9% |
| Contributions | 10/11 | €18,750 | €18,750 | = | 0.0% |
| Reserves | 13 | €8,375 | €42,726 | +€34,351 | +410% |
| Distributable reserves | 133 | €8,375 | €42,726 | +€34,351 | +410% |
| Profit (loss) carried forward | 14 | €305,621 | €304,186 | -€1,435 | -0.5% |
| Amounts payable | 17/49 | €50,082 | €44,052 | -€6,030 | -12.0% |
| Amounts payable within one year | 42/48 | €44,976 | €41,158 | -€3,818 | -8.5% |
| Trade debts | 44 | €21,797 | €13,828 | -€7,969 | -36.6% |
| Suppliers | 440/4 | €21,797 | €13,828 | -€7,969 | -36.6% |
| Taxes, remuneration and social security | 45 | €9,171 | €9,238 | +€67 | +0.7% |
| Taxes | 450/3 | €0 | €1,935 | +€1,935 | |
| Remuneration and social security | 454/9 | €9,171 | €7,303 | -€1,868 | -20.4% |
| Other amounts payable | 47/48 | €14,008 | €18,091 | +€4,083 | +29.1% |
| Accrued charges and deferred income | 492/3 | €5,106 | €2,894 | -€2,211 | -43.3% |
| Non-recurring operating income | 76A | €138 | €0 | -€138 | -100% |
| Remuneration, social security and pensions | 62 | €62,642 | €43,078 | -€19,565 | -31.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €10,032 | €14,537 | +€4,505 | +44.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €1,545 | €884 | -€661 | -42.8% |
| Other operating charges | 640/8 | €200 | €0 | -€200 | -100% |
| Non-recurring operating charges | 66A | €0 | - | = | |
| Gross operating margin | 9900 | €99,238 | €123,133 | +€23,895 | +24.1% |
| Operating profit (loss) | 9901 | €24,818 | €64,634 | +€39,816 | +160% |
| Financial income | 75/76B | €1,101 | €1,280 | +€179 | +16.3% |
| Recurring financial income | 75 | €1,101 | €1,280 | +€179 | +16.3% |
| Non-recurring financial income | 76B | €0 | - | = | |
| Financial charges | 65/66B | €754 | €752 | -€3 | -0.4% |
| Recurring financial charges | 65 | €754 | €752 | -€3 | -0.4% |
| Profit (loss) for the period before taxes | 9903 | €25,165 | €65,162 | +€39,997 | +159% |
| Income taxes | 67/77 | €7,341 | €17,246 | +€9,906 | +135% |
| Profit (loss) for the period | 9904 | €17,824 | €47,916 | +€30,092 | +169% |
| Profit (loss) for the period to be appropriated | 9905 | €17,824 | €47,916 | +€30,092 | +169% |
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 20 October 2026 via checked.be.