C.D.V. 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.
C.D.V. ASSURANCES
Largest movements
- Receivables within one year -€3,997
no longer reported in 2025 (was €3,997)
- Cash -€593
down €593 (-1.6%), from €37,608 to €37,014
mainly Trade debts (-€5,957) and Net result for the year (-€670)
- Trade debts -€5,957
down €5,957 (-88.0%), from €6,766 to €810
- Other debts +€2,036
up €2,036 (+23.1%), from €8,802 to €10,838
- Profit (loss) carried forward -€670
new in 2025: -€670
- Gross operating margin -€963
down €963, from €465 to -€498
- Financial charges -€148
down €148 (-59.9%), from €247 to €99
- Other operating charges -€45
down €45 (-37.3%), from €120 to €75
- Taxes -€25
down €25 (-95.7%), from €26 to €1
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 | €41,605 | €37,014 | -€4,591 | -11.0% |
| Current assets | 29/58 | €41,605 | €37,014 | -€4,591 | -11.0% |
| Amounts receivable within one year | 40/41 | €3,997 | - | -€3,997 | |
| Other amounts receivable | 41 | €3,997 | - | -€3,997 | |
| Cash at bank and in hand | 54/58 | €37,608 | €37,014 | -€593 | -1.6% |
| Total equity and liabilities | 10/49 | €41,605 | €37,014 | -€4,591 | -11.0% |
| Equity | 10/15 | €26,011 | €25,341 | -€670 | -2.6% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €19,811 | €19,811 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €17,951 | €17,951 | = | 0.0% |
| Profit (loss) carried forward | 14 | - | -€670 | -€670 | |
| Amounts payable | 17/49 | €15,594 | €11,674 | -€3,921 | -25.1% |
| Amounts payable within one year | 42/48 | €15,594 | €11,674 | -€3,921 | -25.1% |
| Trade debts | 44 | €6,766 | €810 | -€5,957 | -88.0% |
| Suppliers | 440/4 | €6,766 | €810 | -€5,957 | -88.0% |
| Taxes, remuneration and social security | 45 | €26 | €26 | = | 0.0% |
| Taxes | 450/3 | €26 | €26 | = | 0.0% |
| Other amounts payable | 47/48 | €8,802 | €10,838 | +€2,036 | +23.1% |
| Other operating charges | 640/8 | €120 | €75 | -€45 | -37.3% |
| Gross operating margin | 9900 | €465 | -€498 | -€963 | |
| Operating profit (loss) | 9901 | €345 | -€574 | -€918 | |
| Financial income | 75/76B | €1 | €4 | +€3 | +201% |
| Recurring financial income | 75 | €1 | €4 | +€3 | +201% |
| Financial charges | 65/66B | €247 | €99 | -€148 | -59.9% |
| Recurring financial charges | 65 | €247 | €99 | -€148 | -59.9% |
| Profit (loss) for the period before taxes | 9903 | €99 | -€669 | -€768 | |
| Income taxes | 67/77 | €26 | €1 | -€25 | -95.7% |
| Profit (loss) for the period | 9904 | €73 | -€670 | -€743 | |
| Profit (loss) for the period to be appropriated | 9905 | €73 | -€670 | -€743 |
Source: filed annual accounts (NBB), financial years ended 31 March 2024 and 31 March 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 23 October 2026 via checked.be.