FAST 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.
FAST Insurance
Largest movements
- Tangible fixed assets -€13,370
down €13,370 (-20.6%), from €64,914 to €51,544
of which Furniture and vehicles: -€10,127
- Receivables within one year -€10,412
down €10,412 (-100%), from €10,412 to €0
of which Trade receivables: -€9,295
- Cash +€8,856
up €8,856 (+27.8%), from €31,820 to €40,676
mainly Other debts (+€30,945) and Depreciation (+€13,370)
- Profit (loss) carried forward -€36,769
down €36,769 (-100%), from €36,769 to €0
- Other debts +€30,945
up €30,945, from €0 to €30,945
- Debts after one year -€12,164
down €12,164 (-22.9%), from €53,116 to €40,952
- Tax, wage and social debts +€2,286
up €2,286 (+199%), from €1,148 to €3,433
of which Taxes: +€2,286
- Gross operating margin -€9,339
down €9,339 (-22.0%), from €42,527 to €33,188
- Other operating charges -€3,867
down €3,867 (-74.6%), from €5,181 to €1,314
- Depreciation +€2,559
up €2,559 (+23.7%), from €10,810 to €13,370
- Taxes -€926
down €926 (-15.0%), from €6,164 to €5,238
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 | €108,316 | €93,003 | -€15,313 | -14.1% |
| Fixed assets | 21/28 | €64,914 | €51,544 | -€13,370 | -20.6% |
| Tangible fixed assets | 22/27 | €64,914 | €51,544 | -€13,370 | -20.6% |
| Furniture and vehicles | 24 | €41,699 | €31,572 | -€10,127 | -24.3% |
| Other tangible fixed assets | 26 | €23,214 | €19,972 | -€3,242 | -14.0% |
| Current assets | 29/58 | €43,402 | €41,459 | -€1,943 | -4.5% |
| Amounts receivable within one year | 40/41 | €10,412 | €0 | -€10,412 | -100% |
| Trade receivables | 40 | €9,295 | €0 | -€9,295 | -100% |
| Other amounts receivable | 41 | €1,117 | €0 | -€1,117 | -100% |
| Cash at bank and in hand | 54/58 | €31,820 | €40,676 | +€8,856 | +27.8% |
| Deferred charges and accrued income | 490/1 | €1,170 | €783 | -€387 | -33.1% |
| Total equity and liabilities | 10/49 | €108,316 | €93,003 | -€15,313 | -14.1% |
| Equity | 10/15 | €39,769 | €3,000 | -€36,769 | -92.5% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €36,769 | €0 | -€36,769 | -100% |
| Amounts payable | 17/49 | €68,547 | €90,003 | +€21,456 | +31.3% |
| Amounts payable after more than one year | 17 | €53,116 | €40,952 | -€12,164 | -22.9% |
| Financial debts | 170/4 | €53,116 | €40,952 | -€12,164 | -22.9% |
| Amounts payable within one year | 42/48 | €15,430 | €49,051 | +€33,620 | +218% |
| Current portion of amounts payable after more than one year | 42 | €11,733 | €12,164 | +€431 | +3.7% |
| Financial debts | 43 | €1,250 | €1,673 | +€423 | +33.9% |
| Credit institutions | 430/8 | €1,250 | €1,673 | +€423 | +33.9% |
| Trade debts | 44 | €1,300 | €836 | -€464 | -35.7% |
| Suppliers | 440/4 | €1,300 | €836 | -€464 | -35.7% |
| Taxes, remuneration and social security | 45 | €1,148 | €3,433 | +€2,286 | +199% |
| Taxes | 450/3 | €1,148 | €3,433 | +€2,286 | +199% |
| Remuneration and social security | 454/9 | €0 | - | = | |
| Other amounts payable | 47/48 | €0 | €30,945 | +€30,945 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €10,810 | €13,370 | +€2,559 | +23.7% |
| Other operating charges | 640/8 | €5,181 | €1,314 | -€3,867 | -74.6% |
| Gross operating margin | 9900 | €42,527 | €33,188 | -€9,339 | -22.0% |
| Operating profit (loss) | 9901 | €26,536 | €18,504 | -€8,032 | -30.3% |
| Financial income | 75/76B | €180 | €472 | +€292 | +162% |
| Recurring financial income | 75 | €180 | €472 | +€292 | +162% |
| Financial charges | 65/66B | €2,662 | €2,330 | -€331 | -12.4% |
| Recurring financial charges | 65 | €2,662 | €2,330 | -€331 | -12.4% |
| Profit (loss) for the period before taxes | 9903 | €24,055 | €16,646 | -€7,409 | -30.8% |
| Income taxes | 67/77 | €6,164 | €5,238 | -€926 | -15.0% |
| Profit (loss) for the period | 9904 | €17,891 | €11,408 | -€6,482 | -36.2% |
| Profit (loss) for the period to be appropriated | 9905 | €17,891 | €11,408 | -€6,482 | -36.2% |
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.