FINANCE ASSUR: 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.
FINANCE ASSUR
Largest movements
- Receivables within one year +€26,251
up €26,251 (+46.7%), from €56,188 to €82,439
- Cash +€14,742
up €14,742 (+197%), from €7,466 to €22,208
mainly Debts within one year (+€46,055) and Depreciation (+€6,989)
- Tangible fixed assets -€6,989
down €6,989 (-4.4%), from €157,597 to €150,608
- Debts within one year +€46,055
up €46,055 (+42.3%), from €108,968 to €155,023
- Debts after one year -€15,056
down €15,056 (-17.2%), from €87,760 to €72,704
- Profit (loss) carried forward +€3,655
up €3,655 (+16.8%), from €21,796 to €25,451
- Gross operating margin +€4,348
up €4,348 (+20.4%), from €21,293 to €25,641
- Depreciation -€2,958
down €2,958 (-29.7%), from €9,947 to €6,989
- Taxes +€2,437
up €2,437 (+128%), from €1,908 to €4,345
From the 2012 result to the 2013 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 2012 and 2013 balance sheets and the 2013 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2012 | 2013 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €221,251 | €255,905 | +€34,654 | +15.7% |
| Fixed assets | 21/28 | €157,597 | €151,258 | -€6,339 | -4.0% |
| Tangible fixed assets | 22/27 | €157,597 | €150,608 | -€6,989 | -4.4% |
| Financial fixed assets | 28 | - | €650 | +€650 | |
| Current assets | 29/58 | €63,654 | €104,647 | +€40,993 | +64.4% |
| Amounts receivable within one year | 40/41 | €56,188 | €82,439 | +€26,251 | +46.7% |
| Cash at bank and in hand | 54/58 | €7,466 | €22,208 | +€14,742 | +197% |
| Total equity and liabilities | 10/49 | €221,251 | €255,905 | +€34,654 | +15.7% |
| Equity | 10/15 | €24,523 | €28,178 | +€3,655 | +14.9% |
| Contributions | 10/11 | €2,479 | €2,479 | = | 0.0% |
| Reserves | 13 | €248 | €248 | = | 0.0% |
| Profit (loss) carried forward | 14 | €21,796 | €25,451 | +€3,655 | +16.8% |
| Amounts payable | 17/49 | €196,728 | €227,727 | +€30,999 | +15.8% |
| Amounts payable after more than one year | 17 | €87,760 | €72,704 | -€15,056 | -17.2% |
| Amounts payable within one year | 42/48 | €108,968 | €155,023 | +€46,055 | +42.3% |
| Trade debts | 44 | €662 | €5 | -€657 | -99.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €9,947 | €6,989 | -€2,958 | -29.7% |
| Gross operating margin | 9900 | €21,293 | €25,641 | +€4,348 | +20.4% |
| Operating profit (loss) | 9901 | €8,628 | €11,430 | +€2,802 | +32.5% |
| Recurring financial income | 75 | €83 | €13 | -€70 | -84.3% |
| Recurring financial charges | 65 | €5,359 | €4,673 | -€686 | -12.8% |
| Profit (loss) for the period before taxes | 9903 | €4,552 | €8,000 | +€3,448 | +75.7% |
| Income taxes | 67/77 | €1,908 | €4,345 | +€2,437 | +128% |
| Profit (loss) for the period | 9904 | €2,644 | €3,655 | +€1,011 | +38.2% |
| Profit (loss) for the period to be appropriated | 9905 | €2,644 | €3,655 | +€1,011 | +38.2% |
Source: filed annual accounts (NBB), financial years ended 31 December 2012 and 31 December 2013. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 21 October 2026 via checked.be.