DB INSURANCE: 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.
DB INSURANCE
Largest movements
No asset line moved by more than 1% of the balance sheet total.
- Reserves +€5,000
up €5,000 (+42.2%), from €11,860 to €16,860
of which Tax-exempt reserves: +€5,000
- Other debts -€3,701
down €3,701 (-4.9%), from €75,326 to €71,626
- Gross operating margin -€7,171
down €7,171 (-47.7%), from €15,032 to €7,861
- Turnover -€6,529
down €6,529 (-20.0%), from €32,627 to €26,099
- Taxes -€1,767
down €1,767 (-38.5%), from €4,583 to €2,817
- Purchases and services +€642
up €642 (+3.6%), from €17,596 to €18,238
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 | €189,403 | €189,194 | -€209 | -0.1% |
| Fixed assets | 21/28 | €189,000 | €189,000 | = | 0.0% |
| Financial fixed assets | 28 | €189,000 | €189,000 | = | 0.0% |
| Current assets | 29/58 | €403 | €194 | -€209 | -51.9% |
| Cash at bank and in hand | 54/58 | €403 | €194 | -€209 | -51.9% |
| Total equity and liabilities | 10/49 | €189,403 | €189,194 | -€209 | -0.1% |
| Equity | 10/15 | €105,741 | €110,169 | +€4,427 | +4.2% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €11,860 | €16,860 | +€5,000 | +42.2% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Tax-exempt reserves | 132 | €10,000 | €15,000 | +€5,000 | +50.0% |
| Profit (loss) carried forward | 14 | €75,281 | €74,709 | -€573 | -0.8% |
| Amounts payable | 17/49 | €83,662 | €79,026 | -€4,637 | -5.5% |
| Amounts payable within one year | 42/48 | €83,662 | €79,026 | -€4,637 | -5.5% |
| Taxes, remuneration and social security | 45 | €8,336 | €7,400 | -€936 | -11.2% |
| Taxes | 450/3 | €8,336 | €7,400 | -€936 | -11.2% |
| Other amounts payable | 47/48 | €75,326 | €71,626 | -€3,701 | -4.9% |
| Turnover | 70 | €32,627 | €26,099 | -€6,529 | -20.0% |
| Goods, raw materials, services and sundry goods | 60/61 | €17,596 | €18,238 | +€642 | +3.6% |
| Other operating charges | 640/8 | €387 | €400 | +€12 | +3.2% |
| Gross operating margin | 9900 | €15,032 | €7,861 | -€7,171 | -47.7% |
| Operating profit (loss) | 9901 | €14,644 | €7,461 | -€7,183 | -49.1% |
| Financial income | 75/76B | - | €0 | +€0 | |
| Recurring financial income | 75 | - | €0 | +€0 | |
| Financial charges | 65/66B | €151 | €217 | +€67 | +44.1% |
| Recurring financial charges | 65 | €151 | €217 | +€67 | +44.1% |
| Profit (loss) for the period before taxes | 9903 | €14,493 | €7,244 | -€7,250 | -50.0% |
| Income taxes | 67/77 | €4,583 | €2,817 | -€1,767 | -38.5% |
| Profit (loss) for the period | 9904 | €9,910 | €4,427 | -€5,483 | -55.3% |
| Transfer to tax-exempt reserves | 689 | - | €5,000 | +€5,000 | |
| Profit (loss) for the period to be appropriated | 9905 | €9,910 | -€573 | -€10,483 |
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.