DVL 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.
DVL Assurances
Largest movements
- Intangible fixed assets -€11,000
down €11,000 (-11.7%), from €93,951 to €82,951
- Debts after one year -€13,731
down €13,731 (-20.1%), from €68,208 to €54,477
- Other debts -€2,771
down €2,771 (-22.6%), from €12,263 to €9,492
- Trade debts +€2,105
new in 2025: €2,105
- Profit (loss) carried forward +€1,405
up €1,405 (+91.8%), from €1,530 to €2,935
- Gross operating margin -€9,385
down €9,385 (-34.7%), from €27,044 to €17,659
- Depreciation -€7,700
down €7,700 (-40.9%), from €18,850 to €11,149
- Financial charges -€1,389
down €1,389 (-23.1%), from €6,000 to €4,611
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.
Cash bridge derived
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 | €98,756 | €86,715 | -€12,041 | -12.2% |
| Fixed assets | 21/28 | €94,568 | €83,419 | -€11,149 | -11.8% |
| Intangible fixed assets | 21 | €93,951 | €82,951 | -€11,000 | -11.7% |
| Tangible fixed assets | 22/27 | €618 | €468 | -€149 | -24.2% |
| Furniture and vehicles | 24 | €618 | €468 | -€149 | -24.2% |
| Current assets | 29/58 | €4,187 | €3,296 | -€892 | -21.3% |
| Amounts receivable within one year | 40/41 | €3,474 | €2,902 | -€572 | -16.5% |
| Trade receivables | 40 | €3,474 | €2,902 | -€572 | -16.5% |
| Cash at bank and in hand | 54/58 | €713 | €394 | -€319 | -44.8% |
| Total equity and liabilities | 10/49 | €98,756 | €86,715 | -€12,041 | -12.2% |
| Equity | 10/15 | €4,530 | €5,935 | +€1,405 | +31.0% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €1,530 | €2,935 | +€1,405 | +91.8% |
| Amounts payable | 17/49 | €94,226 | €80,780 | -€13,446 | -14.3% |
| Amounts payable after more than one year | 17 | €68,208 | €54,477 | -€13,731 | -20.1% |
| Financial debts | 170/4 | €68,208 | €54,477 | -€13,731 | -20.1% |
| Amounts payable within one year | 42/48 | €26,017 | €26,302 | +€285 | +1.1% |
| Current portion of amounts payable after more than one year | 42 | €13,140 | €13,731 | +€591 | +4.5% |
| Trade debts | 44 | - | €2,105 | +€2,105 | |
| Suppliers | 440/4 | - | €2,105 | +€2,105 | |
| Taxes, remuneration and social security | 45 | €614 | €975 | +€360 | +58.6% |
| Taxes | 450/3 | €614 | €975 | +€360 | +58.6% |
| Other amounts payable | 47/48 | €12,263 | €9,492 | -€2,771 | -22.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €18,850 | €11,149 | -€7,700 | -40.9% |
| Other operating charges | 640/8 | €50 | €133 | +€83 | +166.0% |
| Gross operating margin | 9900 | €27,044 | €17,659 | -€9,385 | -34.7% |
| Operating profit (loss) | 9901 | €8,144 | €6,377 | -€1,768 | -21.7% |
| Financial income | 75/76B | €0 | - | -€0 | |
| Recurring financial income | 75 | €0 | - | -€0 | |
| Financial charges | 65/66B | €6,000 | €4,611 | -€1,389 | -23.1% |
| Recurring financial charges | 65 | €6,000 | €4,611 | -€1,389 | -23.1% |
| Profit (loss) for the period before taxes | 9903 | €2,144 | €1,765 | -€379 | -17.7% |
| Income taxes | 67/77 | €614 | €360 | -€254 | -41.4% |
| Profit (loss) for the period | 9904 | €1,530 | €1,405 | -€125 | -8.2% |
| Profit (loss) for the period to be appropriated | 9905 | €1,530 | €1,405 | -€125 | -8.2% |
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 4 October 2026 via checked.be.