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CUIRASS: what changed

Two fiscal 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

CUIRASS

BE 0876.174.076
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€31,871
2024 · €610,438-€642,309
Equity
€1.9m
2024 · €2.0m-€31,871
Cash
€1.5m
2024 · €1.7m-€112,126
Balance sheet total
€1.9m
2024 · €2.1m-€131,657

Largest movements

2024 to 2025
Assets
  • Cash -€112,126

    down €112,126 (-6.7%), from €1.7m to €1.5m

    mainly Trade debts (-€68,116) and Net result for the year (-€31,871)

Equity and liabilities
  • Trade debts -€68,116

    down €68,116 (-98.8%), from €68,932 to €816

  • Profit (loss) carried forward -€31,871

    new in 2025: -€31,871

  • Tax, wage and social debts -€31,670

    down €31,670 (-65.2%), from €48,544 to €16,874

Income statement
  • Turnover -€957,775

    down €957,775 (-100.0%), from €957,775 to €0

  • Gross operating margin -€862,768

    down €862,768, from €814,324 to -€48,444

  • Taxes -€212,969

    down €212,969, from €201,733 to -€11,236

  • Purchases and services -€95,006

    down €95,006 (-66.2%), from €143,450 to €48,444

From the 2024 result to the 2025 result

effect on the 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 €610,438
Gross operating margin -€862,768
Depreciation +€1,615
Financial income +€5,875
Taxes +€212,969
Result 2025 -€31,871

Cash bridge derived

cash 2024 to 2025

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 -€112,127
Investment +€1
Financing €0
Cash 2024 €1.7m
Net result for the year -€31,871
Depreciation +€13,038
Receivables within one year +€6,492
Trade debts -€68,116
Tax, wage and social debts -€31,670
Investment in fixed assets (net) +€1
Cash 2025 €1.5m
Every line side by side 33 lines
Line Code 2024 2025 Change %
Total assets 20/58 €2,071,531 €1,939,874 -€131,657 -6.4%
Fixed assets 21/28 €55,923 €42,884 -€13,039 -23.3%
Tangible fixed assets 22/27 €55,923 €42,884 -€13,039 -23.3%
Plant, machinery and equipment 23 €7,906 €6,846 -€1,060 -13.4%
Furniture and vehicles 24 €48,017 €36,038 -€11,979 -24.9%
Current assets 29/58 €2,015,608 €1,896,990 -€118,618 -5.9%
Amounts receivable within one year 40/41 €354,100 €347,608 -€6,492 -1.8%
Trade receivables 40 €350,958 €342,678 -€8,280 -2.4%
Other amounts receivable 41 €3,142 €4,930 +€1,788 +56.9%
Cash at bank and in hand 54/58 €1,661,508 €1,549,382 -€112,126 -6.7%
Total equity and liabilities 10/49 €2,071,531 €1,939,874 -€131,657 -6.4%
Equity 10/15 €1,954,055 €1,922,184 -€31,871 -1.6%
Contributions 10/11 €6,200 €6,200 = 0.0%
Reserves 13 €1,947,855 €1,947,855 = 0.0%
Distributable reserves 133 €1,947,855 €1,947,855 = 0.0%
Profit (loss) carried forward 14 - -€31,871 -€31,871
Amounts payable 17/49 €117,476 €17,690 -€99,786 -84.9%
Amounts payable within one year 42/48 €117,476 €17,690 -€99,786 -84.9%
Trade debts 44 €68,932 €816 -€68,116 -98.8%
Suppliers 440/4 €68,932 €816 -€68,116 -98.8%
Taxes, remuneration and social security 45 €48,544 €16,874 -€31,670 -65.2%
Taxes 450/3 €48,544 €16,874 -€31,670 -65.2%
Turnover 70 €957,775 €0 -€957,775 -100.0%
Goods, raw materials, services and sundry goods 60/61 €143,450 €48,444 -€95,006 -66.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €14,653 €13,038 -€1,615 -11.0%
Gross operating margin 9900 €814,324 -€48,444 -€862,768
Operating profit (loss) 9901 €799,671 -€61,482 -€861,153
Financial income 75/76B €12,500 €18,375 +€5,875 +47.0%
Recurring financial income 75 €12,500 €18,375 +€5,875 +47.0%
Profit (loss) for the period before taxes 9903 €812,171 -€43,107 -€855,278
Income taxes 67/77 €201,733 -€11,236 -€212,969
Profit (loss) for the period 9904 €610,438 -€31,871 -€642,309
Profit (loss) for the period to be appropriated 9905 €610,438 -€31,871 -€642,309

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 28 September 2026 via checked.be.