CABINET D'ASSURANCES S.B.E.: 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.
CABINET D'ASSURANCES S.B.E.
Largest movements
- Receivables within one year +€16,129
up €16,129 (+19.6%), from €82,457 to €98,586
of which Trade receivables: +€9,454
- Cash +€1,867
new in 2024: €1,867
mainly Net result for the year (+€30,671) and Short-term financial debts (+€3,332)
- Profit (loss) carried forward +€30,671
up €30,671 (+82.4%), from €37,215 to €67,886
- Tax, wage and social debts -€11,943
down €11,943 (-80.7%), from €14,793 to €2,850
of which Taxes: -€11,589
- Short-term financial debts +€3,332
new in 2024: €3,332
- Trade debts -€2,836
down €2,836 (-20.1%), from €14,111 to €11,274
- Other debts -€1,300
no longer reported in 2024 (was €1,300)
- Staff costs -€6,259
down €6,259 (-16.9%), from €37,148 to €30,888
- Financial income -€2,391
no longer reported in 2024 (was €2,391)
- Other operating charges -€2,027
down €2,027 (-27.4%), from €7,391 to €5,363
- Gross operating margin -€813
down €813 (-1.2%), from €68,962 to €68,149
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 | €108,205 | €126,129 | +€17,923 | +16.6% |
| Fixed assets | 21/28 | €72 | - | -€72 | |
| Intangible fixed assets | 21 | €72 | - | -€72 | |
| Current assets | 29/58 | €108,133 | €126,129 | +€17,996 | +16.6% |
| Amounts receivable after more than one year | 29 | €25,676 | €25,676 | = | 0.0% |
| Other amounts receivable | 291 | €25,676 | €25,676 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €82,457 | €98,586 | +€16,129 | +19.6% |
| Trade receivables | 40 | €54,583 | €64,037 | +€9,454 | +17.3% |
| Other amounts receivable | 41 | €27,874 | €34,549 | +€6,675 | +23.9% |
| Cash at bank and in hand | 54/58 | - | €1,867 | +€1,867 | |
| Total equity and liabilities | 10/49 | €108,205 | €126,129 | +€17,923 | +16.6% |
| Equity | 10/15 | €72,215 | €102,886 | +€30,671 | +42.5% |
| Contributions | 10/11 | €35,000 | €35,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €37,215 | €67,886 | +€30,671 | +82.4% |
| Amounts payable | 17/49 | €35,990 | €23,243 | -€12,747 | -35.4% |
| Amounts payable within one year | 42/48 | €30,203 | €17,456 | -€12,747 | -42.2% |
| Financial debts | 43 | - | €3,332 | +€3,332 | |
| Credit institutions | 430/8 | - | €3,332 | +€3,332 | |
| Trade debts | 44 | €14,111 | €11,274 | -€2,836 | -20.1% |
| Suppliers | 440/4 | €14,111 | €11,274 | -€2,836 | -20.1% |
| Taxes, remuneration and social security | 45 | €14,793 | €2,850 | -€11,943 | -80.7% |
| Taxes | 450/3 | €11,589 | - | -€11,589 | |
| Remuneration and social security | 454/9 | €3,204 | €2,850 | -€354 | -11.0% |
| Other amounts payable | 47/48 | €1,300 | - | -€1,300 | |
| Accrued charges and deferred income | 492/3 | €5,787 | €5,787 | = | 0.0% |
| Remuneration, social security and pensions | 62 | €37,148 | €30,888 | -€6,259 | -16.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €36 | €72 | +€36 | +100% |
| Other operating charges | 640/8 | €7,391 | €5,363 | -€2,027 | -27.4% |
| Gross operating margin | 9900 | €68,962 | €68,149 | -€813 | -1.2% |
| Operating profit (loss) | 9901 | €24,387 | €31,825 | +€7,438 | +30.5% |
| Financial income | 75/76B | €2,391 | - | -€2,391 | |
| Recurring financial income | 75 | €2,391 | - | -€2,391 | |
| Financial charges | 65/66B | €1,488 | €1,155 | -€334 | -22.4% |
| Recurring financial charges | 65 | €1 | €1,155 | +€1,154 | +115,369% |
| Non-recurring financial charges | 66B | €1,487 | - | -€1,487 | |
| Profit (loss) for the period before taxes | 9903 | €25,290 | €30,671 | +€5,380 | +21.3% |
| Profit (loss) for the period | 9904 | €25,290 | €30,671 | +€5,380 | +21.3% |
| Profit (loss) for the period to be appropriated | 9905 | €25,290 | €30,671 | +€5,380 | +21.3% |
Source: filed annual accounts (NBB), financial years ended 30 September 2023 and 30 September 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 23 October 2026 via checked.be.