DELFORGE & ZANOTTI ASSURANCES: what changed
DELFORGE & ZANOTTI ASSURANCES
Largest movements
- Receivables within one year +€34,938
up €34,938 (+512%), from €6,828 to €41,766
of which Other amounts receivable: +€34,938
- Cash -€14,635
down €14,635 (-40.2%), from €36,429 to €21,794
mainly Contributions, distributions and other (-€35,000) and Receivables within one year (-€34,938)
- Deferred charges and accrued income +€998
up €998 (+12.2%), from €8,200 to €9,198
- Tax, wage and social debts +€13,500
new in 2025: €13,500
- Other debts +€5,000
up €5,000 (+16.3%), from €30,658 to €35,658
- Trade debts +€1,343
up €1,343 (+65.7%), from €2,045 to €3,388
- Accrued charges and deferred income +€810
up €810 (+105%), from €771 to €1,581
- Turnover +€19,772
up €19,772 (+34.0%), from €58,106 to €77,878
- Gross operating margin +€11,785
up €11,785 (+27.4%), from €43,038 to €54,823
- Taxes +€7,190
up €7,190 (+58.0%), from €12,388 to €19,578
- Purchases and services +€6,579
up €6,579 (+27.2%), from €24,147 to €30,726
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 | €51,457 | €72,758 | +€21,301 | +41.4% |
| Current assets | 29/58 | €51,457 | €72,758 | +€21,301 | +41.4% |
| Amounts receivable within one year | 40/41 | €6,828 | €41,766 | +€34,938 | +512% |
| Trade receivables | 40 | €232 | €232 | = | 0.0% |
| Other amounts receivable | 41 | €6,596 | €41,534 | +€34,938 | +530% |
| Cash at bank and in hand | 54/58 | €36,429 | €21,794 | -€14,635 | -40.2% |
| Deferred charges and accrued income | 490/1 | €8,200 | €9,198 | +€998 | +12.2% |
| Total equity and liabilities | 10/49 | €51,457 | €72,758 | +€21,301 | +41.4% |
| Equity | 10/15 | €17,983 | €18,631 | +€648 | +3.6% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Capital | 10 | €6,200 | €6,200 | = | 0.0% |
| Issued capital | 100 | €18,600 | €18,600 | = | 0.0% |
| Uncalled capital | 101 | €12,400 | €12,400 | = | 0.0% |
| Reserves | 13 | €620 | €620 | = | 0.0% |
| Non-distributable reserves | 130/1 | €620 | €620 | = | 0.0% |
| Legal reserve | 130 | €620 | €620 | = | 0.0% |
| Profit (loss) carried forward | 14 | €11,163 | €11,811 | +€648 | +5.8% |
| Amounts payable | 17/49 | €33,474 | €54,127 | +€20,653 | +61.7% |
| Amounts payable within one year | 42/48 | €32,703 | €52,546 | +€19,843 | +60.7% |
| Trade debts | 44 | €2,045 | €3,388 | +€1,343 | +65.7% |
| Suppliers | 440/4 | €2,045 | €3,388 | +€1,343 | +65.7% |
| Taxes, remuneration and social security | 45 | - | €13,500 | +€13,500 | |
| Taxes | 450/3 | - | €13,500 | +€13,500 | |
| Other amounts payable | 47/48 | €30,658 | €35,658 | +€5,000 | +16.3% |
| Accrued charges and deferred income | 492/3 | €771 | €1,581 | +€810 | +105% |
| Turnover | 70 | €58,106 | €77,878 | +€19,772 | +34.0% |
| Goods, raw materials, services and sundry goods | 60/61 | €24,147 | €30,726 | +€6,579 | +27.2% |
| Other operating charges | 640/8 | €569 | €184 | -€385 | -67.7% |
| Gross operating margin | 9900 | €43,038 | €54,823 | +€11,785 | +27.4% |
| Operating profit (loss) | 9901 | €42,469 | €54,639 | +€12,170 | +28.7% |
| Financial income | 75/76B | €235 | €775 | +€540 | +230% |
| Recurring financial income | 75 | €235 | €775 | +€540 | +230% |
| Financial charges | 65/66B | €262 | €188 | -€74 | -28.2% |
| Recurring financial charges | 65 | €262 | €188 | -€74 | -28.2% |
| Profit (loss) for the period before taxes | 9903 | €42,442 | €55,226 | +€12,784 | +30.1% |
| Income taxes | 67/77 | €12,388 | €19,578 | +€7,190 | +58.0% |
| Profit (loss) for the period | 9904 | €30,054 | €35,648 | +€5,594 | +18.6% |
| Profit (loss) for the period to be appropriated | 9905 | €30,054 | €35,648 | +€5,594 | +18.6% |
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 6 November 2026 via checked.be.