Droit Assurances: 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.
Droit Assurances
Largest movements
- Receivables within one year +€6,668
up €6,668 (+8.6%), from €77,523 to €84,191
of which Other amounts receivable: +€6,668
- Deferred charges and accrued income +€939
up €939 (+408%), from €230 to €1,170
- Tax, wage and social debts +€4,995
up €4,995 (+24.3%), from €20,531 to €25,526
of which Remuneration and social security: +€9,574
- Profit (loss) carried forward +€2,486
up €2,486 (+5.3%), from €47,067 to €49,554
- Gross operating margin -€52,417
down €52,417 (-43.8%), from €119,655 to €67,238
- Staff costs -€17,596
down €17,596 (-19.3%), from €91,113 to €73,518
- Taxes -€9,761
down €9,761, from €3,221 to -€6,540
- Financial income +€4,284
up €4,284, from €0 to €4,284
- Other operating charges +€1,382
up €1,382 (+1,151%), from €120 to €1,502
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 | €78,043 | €85,847 | +€7,805 | +10.0% |
| Current assets | 29/58 | €78,043 | €85,847 | +€7,805 | +10.0% |
| Amounts receivable within one year | 40/41 | €77,523 | €84,191 | +€6,668 | +8.6% |
| Trade receivables | 40 | €0 | - | = | |
| Other amounts receivable | 41 | €77,523 | €84,191 | +€6,668 | +8.6% |
| Cash at bank and in hand | 54/58 | €290 | €487 | +€197 | +68.1% |
| Deferred charges and accrued income | 490/1 | €230 | €1,170 | +€939 | +408% |
| Total equity and liabilities | 10/49 | €78,043 | €85,847 | +€7,805 | +10.0% |
| Equity | 10/15 | €55,122 | €57,609 | +€2,486 | +4.5% |
| Contributions | 10/11 | €8,055 | €8,055 | = | 0.0% |
| Profit (loss) carried forward | 14 | €47,067 | €49,554 | +€2,486 | +5.3% |
| Amounts payable | 17/49 | €22,920 | €28,239 | +€5,318 | +23.2% |
| Amounts payable within one year | 42/48 | €22,920 | €28,239 | +€5,318 | +23.2% |
| Trade debts | 44 | €2,389 | €2,712 | +€323 | +13.5% |
| Suppliers | 440/4 | €2,389 | €2,712 | +€323 | +13.5% |
| Taxes, remuneration and social security | 45 | €20,531 | €25,526 | +€4,995 | +24.3% |
| Taxes | 450/3 | €14,398 | €9,819 | -€4,579 | -31.8% |
| Remuneration and social security | 454/9 | €6,133 | €15,707 | +€9,574 | +156% |
| Remuneration, social security and pensions | 62 | €91,113 | €73,518 | -€17,596 | -19.3% |
| Other operating charges | 640/8 | €120 | €1,502 | +€1,382 | +1,151% |
| Gross operating margin | 9900 | €119,655 | €67,238 | -€52,417 | -43.8% |
| Operating profit (loss) | 9901 | €28,422 | -€7,782 | -€36,204 | |
| Financial income | 75/76B | €0 | €4,284 | +€4,284 | |
| Recurring financial income | 75 | €0 | €4,284 | +€4,284 | |
| Financial charges | 65/66B | €518 | €556 | +€38 | +7.4% |
| Recurring financial charges | 65 | €518 | €556 | +€38 | +7.4% |
| Profit (loss) for the period before taxes | 9903 | €27,904 | -€4,054 | -€31,958 | |
| Income taxes | 67/77 | €3,221 | -€6,540 | -€9,761 | |
| Profit (loss) for the period | 9904 | €24,683 | €2,486 | -€22,197 | -89.9% |
| Profit (loss) for the period to be appropriated | 9905 | €24,683 | €2,486 | -€22,197 | -89.9% |
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 29 October 2026 via checked.be.