COUDRON VERZEKERINGEN: 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.
COUDRON VERZEKERINGEN
Largest movements
- Current investments +€134,286
up €134,286 (+133%), from €100,609 to €234,895
- Tangible fixed assets -€30,300
down €30,300 (-30.7%), from €98,818 to €68,519
of which Furniture and vehicles: -€29,328
- Cash +€9,009
up €9,009 (+1.8%), from €490,413 to €499,422
mainly Net result for the year (+€413,614) and Other debts (+€126,852)
- Other debts +€126,852
up €126,852 (+43.2%), from €293,505 to €420,357
- Financial income +€67,712
up €67,712 (+730%), from €9,277 to €76,989
- Gross operating margin +€54,689
up €54,689 (+15.5%), from €353,667 to €408,355
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 | €733,299 | €852,426 | +€119,127 | +16.2% |
| Fixed assets | 21/28 | €98,818 | €68,519 | -€30,300 | -30.7% |
| Tangible fixed assets | 22/27 | €98,818 | €68,519 | -€30,300 | -30.7% |
| Plant, machinery and equipment | 23 | €2,049 | €1,078 | -€972 | -47.4% |
| Furniture and vehicles | 24 | €96,769 | €67,441 | -€29,328 | -30.3% |
| Current assets | 29/58 | €634,481 | €783,908 | +€149,427 | +23.6% |
| Amounts receivable within one year | 40/41 | €38,643 | €44,696 | +€6,053 | +15.7% |
| Trade receivables | 40 | €38,643 | €44,696 | +€6,053 | +15.7% |
| Current investments | 50/53 | €100,609 | €234,895 | +€134,286 | +133% |
| Cash at bank and in hand | 54/58 | €490,413 | €499,422 | +€9,009 | +1.8% |
| Deferred charges and accrued income | 490/1 | €4,816 | €4,895 | +€79 | +1.6% |
| Total equity and liabilities | 10/49 | €733,299 | €852,426 | +€119,127 | +16.2% |
| Equity | 10/15 | €425,434 | €421,048 | -€4,386 | -1.0% |
| Contributions | 10/11 | €20,000 | €20,000 | = | 0.0% |
| Reserves | 13 | €405,434 | €401,048 | -€4,386 | -1.1% |
| Distributable reserves | 133 | €405,434 | €401,048 | -€4,386 | -1.1% |
| Amounts payable | 17/49 | €307,865 | €431,378 | +€123,513 | +40.1% |
| Amounts payable within one year | 42/48 | €307,865 | €431,378 | +€123,513 | +40.1% |
| Trade debts | 44 | €6,970 | €4,152 | -€2,818 | -40.4% |
| Suppliers | 440/4 | €6,970 | €4,152 | -€2,818 | -40.4% |
| Taxes, remuneration and social security | 45 | €7,390 | €6,869 | -€521 | -7.1% |
| Taxes | 450/3 | €7,390 | €6,869 | -€521 | -7.1% |
| Other amounts payable | 47/48 | €293,505 | €420,357 | +€126,852 | +43.2% |
| Non-recurring operating income | 76A | €389 | - | -€389 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €33,079 | €33,031 | -€48 | -0.1% |
| Other operating charges | 640/8 | €1,471 | €1,599 | +€128 | +8.7% |
| Gross operating margin | 9900 | €353,667 | €408,355 | +€54,689 | +15.5% |
| Operating profit (loss) | 9901 | €319,117 | €373,725 | +€54,609 | +17.1% |
| Financial income | 75/76B | €9,277 | €76,989 | +€67,712 | +730% |
| Recurring financial income | 75 | €9,277 | €76,989 | +€67,712 | +730% |
| Financial charges | 65/66B | €1,082 | €3,020 | +€1,937 | +179% |
| Recurring financial charges | 65 | €1,082 | €3,020 | +€1,937 | +179% |
| Profit (loss) for the period before taxes | 9903 | €327,311 | €447,694 | +€120,383 | +36.8% |
| Income taxes | 67/77 | €30,040 | €34,080 | +€4,040 | +13.4% |
| Profit (loss) for the period | 9904 | €297,271 | €413,614 | +€116,343 | +39.1% |
| Profit (loss) for the period to be appropriated | 9905 | €297,271 | €413,614 | +€116,343 | +39.1% |
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 26 October 2026 via checked.be.