DG-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.
DG-INSURANCE
Largest movements
- Cash -€201,985
down €201,985 (-74.3%), from €271,844 to €69,859
mainly Debts after one year (-€295,642) and Trade debts (-€30,619)
- Receivables within one year -€48,748
down €48,748 (-60.9%), from €80,059 to €31,310
of which Trade receivables: -€52,000
- Debts after one year -€295,642
down €295,642 (-57.4%), from €515,403 to €219,761
- Reserves +€51,154
up €51,154 (+2.4%), from €2.2m to €2.2m
- Financial income -€207,016
down €207,016 (-99.1%), from €208,795 to €1,779
- Financial charges -€179,943
down €179,943 (-83.1%), from €216,442 to €36,499
- Staff costs -€80,127
down €80,127 (-90.7%), from €88,361 to €8,234
- Other operating charges -€40,150
down €40,150 (-96.6%), from €41,546 to €1,396
- Gross operating margin -€18,668
down €18,668 (-15.6%), from €119,320 to €100,652
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 | €3,138,154 | €2,862,488 | -€275,666 | -8.8% |
| Fixed assets | 21/28 | €2,766,183 | €2,761,319 | -€4,865 | -0.2% |
| Tangible fixed assets | 22/27 | €12,308 | €7,444 | -€4,865 | -39.5% |
| Plant, machinery and equipment | 23 | €6,429 | €5,715 | -€715 | -11.1% |
| Furniture and vehicles | 24 | €5,879 | €1,729 | -€4,150 | -70.6% |
| Financial fixed assets | 28 | €2,753,875 | €2,753,875 | = | 0.0% |
| Current assets | 29/58 | €371,971 | €101,170 | -€270,802 | -72.8% |
| Stocks and contracts in progress | 3 | €19,589 | €0 | -€19,589 | -100% |
| Stocks | 30/36 | €19,589 | €0 | -€19,589 | -100% |
| Amounts receivable within one year | 40/41 | €80,059 | €31,310 | -€48,748 | -60.9% |
| Trade receivables | 40 | €52,000 | €0 | -€52,000 | -100% |
| Other amounts receivable | 41 | €28,059 | €31,310 | +€3,252 | +11.6% |
| Cash at bank and in hand | 54/58 | €271,844 | €69,859 | -€201,985 | -74.3% |
| Deferred charges and accrued income | 490/1 | €479 | €0 | -€479 | -100% |
| Total equity and liabilities | 10/49 | €3,138,154 | €2,862,488 | -€275,666 | -8.8% |
| Equity | 10/15 | €2,167,197 | €2,218,351 | +€51,154 | +2.4% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €2,160,997 | €2,212,151 | +€51,154 | +2.4% |
| Distributable reserves | 133 | €2,160,997 | €2,212,151 | +€51,154 | +2.4% |
| Amounts payable | 17/49 | €970,958 | €644,137 | -€326,820 | -33.7% |
| Amounts payable after more than one year | 17 | €515,403 | €219,761 | -€295,642 | -57.4% |
| Other amounts payable | 178/9 | €515,403 | €219,761 | -€295,642 | -57.4% |
| Amounts payable within one year | 42/48 | €455,303 | €424,377 | -€30,926 | -6.8% |
| Trade debts | 44 | €33,444 | €2,825 | -€30,619 | -91.6% |
| Suppliers | 440/4 | €33,444 | €2,825 | -€30,619 | -91.6% |
| Taxes, remuneration and social security | 45 | €23,968 | €3,045 | -€20,922 | -87.3% |
| Taxes | 450/3 | €9,438 | €3,045 | -€6,392 | -67.7% |
| Remuneration and social security | 454/9 | €14,530 | €0 | -€14,530 | -100% |
| Other amounts payable | 47/48 | €397,891 | €418,506 | +€20,615 | +5.2% |
| Accrued charges and deferred income | 492/3 | €252 | €0 | -€252 | -100% |
| Remuneration, social security and pensions | 62 | €88,361 | €8,234 | -€80,127 | -90.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €6,977 | €4,865 | -€2,112 | -30.3% |
| Other operating charges | 640/8 | €41,546 | €1,396 | -€40,150 | -96.6% |
| Gross operating margin | 9900 | €119,320 | €100,652 | -€18,668 | -15.6% |
| Operating profit (loss) | 9901 | -€17,564 | €86,157 | +€103,721 | |
| Financial income | 75/76B | €208,795 | €1,779 | -€207,016 | -99.1% |
| Recurring financial income | 75 | €208,795 | €1,779 | -€207,016 | -99.1% |
| Financial charges | 65/66B | €216,442 | €36,499 | -€179,943 | -83.1% |
| Recurring financial charges | 65 | €216,442 | €36,499 | -€179,943 | -83.1% |
| Profit (loss) for the period before taxes | 9903 | -€25,211 | €51,437 | +€76,648 | |
| Income taxes | 67/77 | €600 | €283 | -€317 | -52.8% |
| Profit (loss) for the period | 9904 | -€25,811 | €51,154 | +€76,965 | |
| Profit (loss) for the period to be appropriated | 9905 | -€25,811 | €51,154 | +€76,965 |
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 22 October 2026 via checked.be.