FIDES 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.
FIDES INSURANCE
Largest movements
- Receivables within one year +€2,330
new in 2025: €2,330
- Tangible fixed assets +€896
new in 2025: €896
- Current investments +€416
up €416 (+30.1%), from €1,379 to €1,794
- Deferred charges and accrued income +€415
new in 2025: €415
- Other debts +€6,576
new in 2025: €6,576
- Profit (loss) carried forward -€3,283
down €3,283 (-293%), from -€1,121 to -€4,404
- Trade debts +€763
new in 2025: €763
- Gross operating margin -€3,045
down €3,045, from €130 to -€2,915
- Depreciation -€917
down €917 (-73.3%), from €1,250 to €333
- Financial charges +€33
up €33 (+2,679%), from €1 to €35
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
Cash or the result is not a separate line in both sets of accounts; the cash flow cannot be derived from them.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,379 | €5,435 | +€4,057 | +294% |
| Fixed assets | 21/28 | - | €896 | +€896 | |
| Tangible fixed assets | 22/27 | - | €896 | +€896 | |
| Plant, machinery and equipment | 23 | - | €896 | +€896 | |
| Current assets | 29/58 | €1,379 | €4,540 | +€3,161 | +229% |
| Amounts receivable within one year | 40/41 | - | €2,330 | +€2,330 | |
| Trade receivables | 40 | - | €2,330 | +€2,330 | |
| Current investments | 50/53 | €1,379 | €1,794 | +€416 | +30.1% |
| Deferred charges and accrued income | 490/1 | - | €415 | +€415 | |
| Total equity and liabilities | 10/49 | €1,379 | €5,435 | +€4,057 | +294% |
| Equity | 10/15 | €1,379 | -€1,904 | -€3,283 | |
| Contributions | 10/11 | €2,500 | €2,500 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€1,121 | -€4,404 | -€3,283 | -293% |
| Amounts payable | 17/49 | - | €7,340 | +€7,340 | |
| Amounts payable within one year | 42/48 | - | €7,340 | +€7,340 | |
| Trade debts | 44 | - | €763 | +€763 | |
| Suppliers | 440/4 | - | €763 | +€763 | |
| Other amounts payable | 47/48 | - | €6,576 | +€6,576 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,250 | €333 | -€917 | -73.3% |
| Gross operating margin | 9900 | €130 | -€2,915 | -€3,045 | |
| Operating profit (loss) | 9901 | -€1,120 | -€3,248 | -€2,128 | -190% |
| Financial charges | 65/66B | €1 | €35 | +€33 | +2,679% |
| Recurring financial charges | 65 | €1 | €35 | +€33 | +2,679% |
| Profit (loss) for the period before taxes | 9903 | -€1,121 | -€3,283 | -€2,162 | -193% |
| Profit (loss) for the period | 9904 | -€1,121 | -€3,283 | -€2,162 | -193% |
| Profit (loss) for the period to be appropriated | 9905 | -€1,121 | -€3,283 | -€2,162 | -193% |
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 28 October 2026 via checked.be.