BUILDING INSURANCE: what changed
BUILDING INSURANCE
Largest movements
- Cash +€111,506
up €111,506 (+1,411%), from €7,901 to €119,407
mainly Current investments (+€100,018) and Net result for the year (+€65,479)
- Current investments -€100,018
down €100,018 (-100%), from €100,018 to €0
- Receivables within one year +€6,073
up €6,073 (+35.3%), from €17,218 to €23,291
of which Trade receivables: +€6,073
- Tax, wage and social debts +€7,113
up €7,113 (+154%), from €4,627 to €11,740
- Profit (loss) carried forward +€5,479
up €5,479 (+77.1%), from €7,105 to €12,584
- Other debts +€5,000
up €5,000 (+8.8%), from €56,955 to €61,955
- Gross operating margin +€7,163
up €7,163 (+9.2%), from €78,134 to €85,297
- Financial income +€3,160
up €3,160 (+1,217%), from €260 to €3,419
- Taxes +€2,629
up €2,629 (+13.3%), from €19,705 to €22,334
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
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €125,887 | €143,479 | +€17,592 | +14.0% |
| Current assets | 29/58 | €125,887 | €143,479 | +€17,592 | +14.0% |
| Amounts receivable within one year | 40/41 | €17,218 | €23,291 | +€6,073 | +35.3% |
| Trade receivables | 40 | €17,218 | €23,291 | +€6,073 | +35.3% |
| Other amounts receivable | 41 | €0 | - | = | |
| Current investments | 50/53 | €100,018 | €0 | -€100,018 | -100% |
| Cash at bank and in hand | 54/58 | €7,901 | €119,407 | +€111,506 | +1,411% |
| Deferred charges and accrued income | 490/1 | €750 | €781 | +€31 | +4.1% |
| Total equity and liabilities | 10/49 | €125,887 | €143,479 | +€17,592 | +14.0% |
| Equity | 10/15 | €64,305 | €69,784 | +€5,479 | +8.5% |
| Contributions | 10/11 | €57,200 | €57,200 | = | 0.0% |
| Profit (loss) carried forward | 14 | €7,105 | €12,584 | +€5,479 | +77.1% |
| Amounts payable | 17/49 | €61,582 | €73,695 | +€12,113 | +19.7% |
| Amounts payable within one year | 42/48 | €61,582 | €73,695 | +€12,113 | +19.7% |
| Trade debts | 44 | €0 | - | = | |
| Suppliers | 440/4 | €0 | - | = | |
| Taxes, remuneration and social security | 45 | €4,627 | €11,740 | +€7,113 | +154% |
| Taxes | 450/3 | €4,627 | €11,740 | +€7,113 | +154% |
| Other amounts payable | 47/48 | €56,955 | €61,955 | +€5,000 | +8.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €0 | - | = | |
| Other operating charges | 640/8 | €577 | €528 | -€49 | -8.6% |
| Gross operating margin | 9900 | €78,134 | €85,297 | +€7,163 | +9.2% |
| Operating profit (loss) | 9901 | €77,557 | €84,769 | +€7,213 | +9.3% |
| Financial income | 75/76B | €260 | €3,419 | +€3,160 | +1,217% |
| Recurring financial income | 75 | €260 | €3,419 | +€3,160 | +1,217% |
| Financial charges | 65/66B | €356 | €376 | +€20 | +5.6% |
| Recurring financial charges | 65 | €356 | €376 | +€20 | +5.6% |
| Profit (loss) for the period before taxes | 9903 | €77,460 | €87,813 | +€10,352 | +13.4% |
| Income taxes | 67/77 | €19,705 | €22,334 | +€2,629 | +13.3% |
| Profit (loss) for the period | 9904 | €57,756 | €65,479 | +€7,724 | +13.4% |
| Profit (loss) for the period to be appropriated | 9905 | €57,756 | €65,479 | +€7,724 | +13.4% |
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 7 November 2026 via checked.be.