Charon Verzekeringen: what changed
Charon Verzekeringen
Largest movements
- Intangible fixed assets -€172,143
down €172,143 (-15.2%), from €1.1m to €957,896
- Cash +€66,318
up €66,318 (+80.5%), from €82,348 to €148,666
mainly Depreciation (+€178,405) and Current portion of long-term debt (+€101,273)
- Tangible fixed assets -€23,572
down €23,572 (-30.8%), from €76,453 to €52,881
of which Furniture and vehicles: -€18,575
- Debts after one year -€235,559
down €235,559 (-23.1%), from €1.0m to €784,697
- Current portion of long-term debt +€101,273
up €101,273 (+75.4%), from €134,286 to €235,559
- Reserves +€35,000
up €35,000 (+2,268%), from €1,543 to €36,543
of which Distributable reserves: +€35,000
- Trade debts -€22,961
down €22,961 (-81.2%), from €28,286 to €5,325
- Tax, wage and social debts +€18,567
up €18,567 (+403%), from €4,602 to €23,169
of which Taxes: +€15,561
- Gross operating margin +€205,562
up €205,562 (+113%), from €181,781 to €387,343
- Depreciation +€87,597
up €87,597 (+96.5%), from €90,808 to €178,405
- Financial charges +€24,427
up €24,427 (+101%), from €24,142 to €48,570
- Other operating charges +€21,096
up €21,096 (+637%), from €3,312 to €24,408
- Taxes +€16,935
up €16,935 (+1,469%), from €1,153 to €18,088
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 | €1,341,344 | €1,221,614 | -€119,730 | -8.9% |
| Fixed assets | 21/28 | €1,206,492 | €1,010,777 | -€195,715 | -16.2% |
| Intangible fixed assets | 21 | €1,130,039 | €957,896 | -€172,143 | -15.2% |
| Tangible fixed assets | 22/27 | €76,453 | €52,881 | -€23,572 | -30.8% |
| Land and buildings | 22 | €46,547 | €41,423 | -€5,123 | -11.0% |
| Plant, machinery and equipment | 23 | - | €992 | +€992 | |
| Furniture and vehicles | 24 | €22,355 | €3,780 | -€18,575 | -83.1% |
| Other tangible fixed assets | 26 | €7,552 | €6,685 | -€867 | -11.5% |
| Current assets | 29/58 | €134,852 | €210,837 | +€75,985 | +56.3% |
| Amounts receivable within one year | 40/41 | €2,027 | - | -€2,027 | |
| Other amounts receivable | 41 | €2,027 | - | -€2,027 | |
| Cash at bank and in hand | 54/58 | €82,348 | €148,666 | +€66,318 | +80.5% |
| Deferred charges and accrued income | 490/1 | €50,478 | €62,171 | +€11,693 | +23.2% |
| Total equity and liabilities | 10/49 | €1,341,344 | €1,221,614 | -€119,730 | -8.9% |
| Equity | 10/15 | €70,270 | €108,162 | +€37,892 | +53.9% |
| Contributions | 10/11 | €8,191 | €8,191 | = | 0.0% |
| Capital | 10 | €8,191 | €8,191 | = | 0.0% |
| Issued capital | 100 | €20,591 | €20,591 | = | 0.0% |
| Uncalled capital | 101 | €12,400 | €12,400 | = | 0.0% |
| Reserves | 13 | €1,543 | €36,543 | +€35,000 | +2,268% |
| Non-distributable reserves | 130/1 | €421 | €421 | = | 0.0% |
| Legal reserve | 130 | €421 | €421 | = | 0.0% |
| Distributable reserves | 133 | €1,122 | €36,122 | +€35,000 | +3,118% |
| Profit (loss) carried forward | 14 | €60,536 | €63,428 | +€2,892 | +4.8% |
| Amounts payable | 17/49 | €1,271,074 | €1,113,452 | -€157,622 | -12.4% |
| Amounts payable after more than one year | 17 | €1,020,256 | €784,697 | -€235,559 | -23.1% |
| Financial debts | 170/4 | €1,020,256 | €784,697 | -€235,559 | -23.1% |
| Amounts payable within one year | 42/48 | €236,079 | €328,755 | +€92,677 | +39.3% |
| Current portion of amounts payable after more than one year | 42 | €134,286 | €235,559 | +€101,273 | +75.4% |
| Financial debts | 43 | €5,298 | €1,714 | -€3,585 | -67.7% |
| Credit institutions | 430/8 | €5,298 | €1,714 | -€3,585 | -67.7% |
| Trade debts | 44 | €28,286 | €5,325 | -€22,961 | -81.2% |
| Suppliers | 440/4 | €28,286 | €5,325 | -€22,961 | -81.2% |
| Taxes, remuneration and social security | 45 | €4,602 | €23,169 | +€18,567 | +403% |
| Taxes | 450/3 | - | €15,561 | +€15,561 | |
| Remuneration and social security | 454/9 | €4,602 | €7,608 | +€3,007 | +65.3% |
| Other amounts payable | 47/48 | €63,607 | €62,989 | -€618 | -1.0% |
| Accrued charges and deferred income | 492/3 | €14,740 | - | -€14,740 | |
| Remuneration, social security and pensions | 62 | €63,450 | €79,980 | +€16,530 | +26.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €90,808 | €178,405 | +€87,597 | +96.5% |
| Other operating charges | 640/8 | €3,312 | €24,408 | +€21,096 | +637% |
| Gross operating margin | 9900 | €181,781 | €387,343 | +€205,562 | +113% |
| Operating profit (loss) | 9901 | €24,211 | €104,550 | +€80,339 | +332% |
| Financial charges | 65/66B | €24,142 | €48,570 | +€24,427 | +101% |
| Recurring financial charges | 65 | €24,142 | €48,570 | +€24,427 | +101% |
| Profit (loss) for the period before taxes | 9903 | €69 | €55,980 | +€55,912 | +81,504% |
| Income taxes | 67/77 | €1,153 | €18,088 | +€16,935 | +1,469% |
| Profit (loss) for the period | 9904 | -€1,084 | €37,892 | +€38,976 | |
| Profit (loss) for the period to be appropriated | 9905 | -€1,084 | €37,892 | +€38,976 |
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 2 November 2026 via checked.be.