CROON ASSURFINANCE: 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.
What changed
CROON ASSURFINANCE
NACE 66.220, Insurance agents and brokers
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€302,953
2024 · €187,353+€115,600
Equity
€369,573
2024 · €342,620+€26,953
Cash
€452,504
2024 · €297,951+€154,553
Balance sheet total
€776,619
2024 · €614,860+€161,759
Largest movements
Assets
- Cash +€154,553
up €154,553 (+51.9%), from €297,951 to €452,504
mainly Net result for the year (+€302,953) and Other debts (+€114,000)
- Receivables within one year +€18,432
up €18,432 (+19.6%), from €93,934 to €112,366
of which Trade receivables: +€19,296
Equity and liabilities
- Other debts +€114,000
up €114,000 (+70.4%), from €162,000 to €276,000
- Profit (loss) carried forward +€26,953
up €26,953 (+9.9%), from €272,220 to €299,173
- Tax, wage and social debts +€22,477
up €22,477 (+49.5%), from €45,415 to €67,892
- Current portion of long-term debt +€7,792
up €7,792 (+62.2%), from €12,520 to €20,311
Income statement
- Gross operating margin +€116,655
up €116,655 (+15.2%), from €767,669 to €884,324
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.
Result 2024
€187,353
Gross operating margin
+€116,655
Staff costs
-€4,168
Depreciation
+€3,263
Other operating charges
-€581
Other operating items
+€151
Financial income
+€1,073
Financial charges
-€915
Taxes
+€123
Result 2025
€302,953
raises the resultlowers the resultnot broken down further in the accounts
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.
From operations
+€454,324
Investment
-€27,314
Financing
-€272,457
Cash 2024
€297,951
From operations (derived)
+€454,324
Net result for the year
+€302,953
Depreciation
+€33,620
Receivables within one year
-€18,432
Deferred charges and accrued income
+€4,920
Trade debts
-€7,334
Tax, wage and social debts
+€22,477
Other debts
+€114,000
Accrued charges and deferred income
+€2,120
Investment (derived)
-€27,314
Investment in fixed assets (net)
-€27,314
Financing
-€272,457
Debts after one year
-€4,249
Current portion of long-term debt
+€7,792
Contributions, distributions and other
-€276,000
Cash 2025
€452,504
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €614,860 | €776,619 | +€161,759 | +26.3% |
| Fixed assets | 21/28 | €198,108 | €191,802 | -€6,306 | -3.2% |
| Intangible fixed assets | 21 | €128 | €0 | -€128 | -100% |
| Tangible fixed assets | 22/27 | €197,980 | €191,802 | -€6,178 | -3.1% |
| Land and buildings | 22 | €8,322 | €7,108 | -€1,214 | -14.6% |
| Plant, machinery and equipment | 23 | €134,132 | €121,841 | -€12,292 | -9.2% |
| Furniture and vehicles | 24 | €50,890 | €58,862 | +€7,971 | +15.7% |
| Other tangible fixed assets | 26 | €4,635 | €3,991 | -€644 | -13.9% |
| Current assets | 29/58 | €416,752 | €584,817 | +€168,065 | +40.3% |
| Amounts receivable within one year | 40/41 | €93,934 | €112,366 | +€18,432 | +19.6% |
| Trade receivables | 40 | €92,519 | €111,815 | +€19,296 | +20.9% |
| Other amounts receivable | 41 | €1,415 | €551 | -€864 | -61.1% |
| Cash at bank and in hand | 54/58 | €297,951 | €452,504 | +€154,553 | +51.9% |
| Deferred charges and accrued income | 490/1 | €24,867 | €19,947 | -€4,920 | -19.8% |
| Total equity and liabilities | 10/49 | €614,860 | €776,619 | +€161,759 | +26.3% |
| Equity | 10/15 | €342,620 | €369,573 | +€26,953 | +7.9% |
| Contributions | 10/11 | €64,000 | €64,000 | = | 0.0% |
| Capital | 10 | €64,000 | €64,000 | = | 0.0% |
| Issued capital | 100 | €64,000 | €64,000 | = | 0.0% |
| Reserves | 13 | €6,400 | €6,400 | = | 0.0% |
| Non-distributable reserves | 130/1 | €6,400 | €6,400 | = | 0.0% |
| Legal reserve | 130 | €6,400 | €6,400 | = | 0.0% |
| Profit (loss) carried forward | 14 | €272,220 | €299,173 | +€26,953 | +9.9% |
| Amounts payable | 17/49 | €272,241 | €407,047 | +€134,806 | +49.5% |
| Amounts payable after more than one year | 17 | €31,938 | €27,689 | -€4,249 | -13.3% |
| Financial debts | 170/4 | €31,938 | €27,689 | -€4,249 | -13.3% |
| Amounts payable within one year | 42/48 | €240,302 | €377,238 | +€136,935 | +57.0% |
| Current portion of amounts payable after more than one year | 42 | €12,520 | €20,311 | +€7,792 | +62.2% |
| Trade debts | 44 | €20,368 | €13,034 | -€7,334 | -36.0% |
| Suppliers | 440/4 | €20,368 | €13,034 | -€7,334 | -36.0% |
| Taxes, remuneration and social security | 45 | €45,415 | €67,892 | +€22,477 | +49.5% |
| Remuneration and social security | 454/9 | €45,415 | €67,892 | +€22,477 | +49.5% |
| Other amounts payable | 47/48 | €162,000 | €276,000 | +€114,000 | +70.4% |
| Accrued charges and deferred income | 492/3 | - | €2,120 | +€2,120 | |
| Remuneration, social security and pensions | 62 | €521,481 | €525,649 | +€4,168 | +0.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €36,883 | €33,620 | -€3,263 | -8.8% |
| Other operating charges | 640/8 | €2,503 | €3,084 | +€581 | +23.2% |
| Non-recurring operating charges | 66A | €406 | €255 | -€151 | -37.3% |
| Gross operating margin | 9900 | €767,669 | €884,324 | +€116,655 | +15.2% |
| Operating profit (loss) | 9901 | €206,396 | €321,716 | +€115,320 | +55.9% |
| Financial income | 75/76B | €1,036 | €2,109 | +€1,073 | +104% |
| Recurring financial income | 75 | €1,036 | €2,109 | +€1,073 | +104% |
| Financial charges | 65/66B | €4,824 | €5,739 | +€915 | +19.0% |
| Recurring financial charges | 65 | €4,824 | €5,739 | +€915 | +19.0% |
| Profit (loss) for the period before taxes | 9903 | €202,609 | €318,086 | +€115,477 | +57.0% |
| Income taxes | 67/77 | €15,256 | €15,133 | -€123 | -0.8% |
| Profit (loss) for the period | 9904 | €187,353 | €302,953 | +€115,600 | +61.7% |
| Profit (loss) for the period to be appropriated | 9905 | €187,353 | €302,953 | +€115,600 | +61.7% |
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 25 October 2026 via checked.be.