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DIFFERDING ASSURANCES: 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

DIFFERDING ASSURANCES

BE 0444.803.002
NACE 66.220, Insurance agents and brokers
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€86,413
2024 · €75,107+€11,307
Equity
€245,914
2024 · €159,501+€86,413
Cash
€144,994
2024 · €153,363-€8,368
Balance sheet total
€259,016
2024 · €175,220+€83,796

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets +€77,877

    up €77,877 (+2571.3%), from €3,029 to €80,906

    of which Plant, machinery and equipment: +€62,529

  • Receivables within one year +€17,107

    new in 2025: €17,107

  • Cash -€8,368

    down €8,368 (-5.5%), from €153,363 to €144,994

    mainly Investment in fixed assets (net) (-€83,297) and Receivables within one year (-€17,107)

  • Deferred charges and accrued income -€2,819

    down €2,819 (-15.1%), from €18,722 to €15,903

Equity and liabilities
  • Profit (loss) carried forward +€86,413

    up €86,413 (+68.5%), from €126,087 to €212,500

Income statement
  • Gross operating margin +€18,060

    up €18,060 (+12.1%), from €148,834 to €166,894

  • Depreciation +€4,471

    up €4,471 (+471.3%), from €949 to €5,420

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 €75,107
Gross operating margin +€18,060
Staff costs -€1,297
Depreciation -€4,471
Other operating charges -€12
Financial income +€0
Financial charges +€40
Taxes -€1,013
Result 2025 €86,413

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 +€74,928
Investment -€83,297
Financing €0
Cash 2024 €153,363
Net result for the year +€86,413
Depreciation +€5,420
Receivables within one year -€17,107
Deferred charges and accrued income +€2,819
Trade debts +€5
Tax, wage and social debts -€572
Other debts -€2,050
Investment in fixed assets (net) -€83,297
Cash 2025 €144,994
Every line side by side 38 lines
Line Code 2024 2025 Change %
Total assets 20/58 €175,220 €259,016 +€83,796 +47.8%
Fixed assets 21/28 €3,135 €81,012 +€77,877 +2483.9%
Tangible fixed assets 22/27 €3,029 €80,906 +€77,877 +2571.3%
Plant, machinery and equipment 23 - €62,529 +€62,529
Furniture and vehicles 24 €3,029 €18,377 +€15,348 +506.8%
Financial fixed assets 28 €107 €107 = 0.0%
Current assets 29/58 €172,085 €178,004 +€5,919 +3.4%
Amounts receivable within one year 40/41 - €17,107 +€17,107
Other amounts receivable 41 - €17,107 +€17,107
Cash at bank and in hand 54/58 €153,363 €144,994 -€8,368 -5.5%
Deferred charges and accrued income 490/1 €18,722 €15,903 -€2,819 -15.1%
Total equity and liabilities 10/49 €175,220 €259,016 +€83,796 +47.8%
Equity 10/15 €159,501 €245,914 +€86,413 +54.2%
Contributions 10/11 €6,197 €6,197 = 0.0%
Reserves 13 €27,217 €27,217 = 0.0%
Distributable reserves 133 €27,217 €27,217 = 0.0%
Profit (loss) carried forward 14 €126,087 €212,500 +€86,413 +68.5%
Amounts payable 17/49 €15,720 €13,103 -€2,617 -16.7%
Amounts payable within one year 42/48 €15,720 €13,103 -€2,617 -16.7%
Trade debts 44 €259 €264 +€5 +1.9%
Suppliers 440/4 €259 €264 +€5 +1.9%
Taxes, remuneration and social security 45 €13,411 €12,839 -€572 -4.3%
Taxes 450/3 €2,177 €1,310 -€868 -39.9%
Remuneration and social security 454/9 €11,233 €11,529 +€296 +2.6%
Other amounts payable 47/48 €2,050 - -€2,050
Remuneration, social security and pensions 62 €46,206 €47,502 +€1,297 +2.8%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €949 €5,420 +€4,471 +471.3%
Other operating charges 640/8 €387 €400 +€12 +3.2%
Gross operating margin 9900 €148,834 €166,894 +€18,060 +12.1%
Operating profit (loss) 9901 €101,293 €113,572 +€12,280 +12.1%
Financial income 75/76B - €0 +€0
Recurring financial income 75 - €0 +€0
Financial charges 65/66B €306 €266 -€40 -13.1%
Recurring financial charges 65 €306 €266 -€40 -13.1%
Profit (loss) for the period before taxes 9903 €100,987 €113,307 +€12,320 +12.2%
Income taxes 67/77 €25,880 €26,893 +€1,013 +3.9%
Profit (loss) for the period 9904 €75,107 €86,413 +€11,307 +15.1%
Profit (loss) for the period to be appropriated 9905 €75,107 €86,413 +€11,307 +15.1%

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 29 September 2026 via checked.be.