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FURNASSUR: 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.

What changed

FURNASSUR

BE 0453.052.257
NACE 66.220, Insurance agents and brokers
fiscal year 2023 against 2024filed annual accounts (NBB)
Net result for the year
€27,086
2023 · -€128,801+€155,888
Equity
€80,047
2023 · €52,960+€27,086
Cash
€44,177
2023 · €2,822+€41,355
Balance sheet total
€166,325
2023 · €114,539+€51,786

Largest movements

2023 to 2024
Assets
  • Cash +€41,355

    up €41,355 (+1465.6%), from €2,822 to €44,177

    mainly Tax, wage and social debts (+€34,273) and Net result for the year (+€27,086)

  • Receivables within one year +€24,724

    up €24,724 (+39.8%), from €62,108 to €86,832

    of which Other amounts receivable: +€52,275

  • Deferred charges and accrued income -€14,294

    down €14,294 (-64.9%), from €22,015 to €7,722

Equity and liabilities
  • Tax, wage and social debts +€34,273

    up €34,273 (+214.1%), from €16,005 to €50,278

    of which Remuneration and social security: +€17,656

  • Profit (loss) carried forward +€27,086

    up €27,086, from -€12,040 to €15,047

  • Other debts -€9,733

    down €9,733 (-21.9%), from €44,473 to €34,740

Income statement
  • Write-downs -€194,205

    no longer reported in 2024 (was €194,205)

  • Gross operating margin -€25,381

    down €25,381 (-19.5%), from €130,372 to €104,991

  • Taxes +€9,455

    up €9,455 (+107.0%), from €8,834 to €18,289

  • Staff costs +€2,948

    up €2,948 (+5.8%), from €50,855 to €53,803

  • Financial income -€1,628

    down €1,628 (-93.9%), from €1,734 to €106

From the 2023 result to the 2024 result

effect on the 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.

Result 2023 -€128,801
Gross operating margin -€25,381
Staff costs -€2,948
Write-downs +€194,205
Other operating charges +€1,011
Financial income -€1,628
Financial charges +€82
Taxes -€9,455
Result 2024 €27,086

Cash bridge derived

cash 2023 to 2024

Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations +€40,095
Investment €0
Financing +€1,260
Cash 2023 €2,822
Net result for the year +€27,086
Receivables within one year -€24,724
Deferred charges and accrued income +€14,294
Tax, wage and social debts +€34,273
Other debts -€9,733
Accrued charges and deferred income -€1,100
Short-term financial debts +€1,260
Cash 2024 €44,177
Every line side by side 43 lines
Line Code 2023 2024 Change %
Total assets 20/58 €114,539 €166,325 +€51,786 +45.2%
Fixed assets 21/28 €27,593 €27,593 = 0.0%
Tangible fixed assets 22/27 €24,689 €24,689 = 0.0%
Land and buildings 22 €24,343 €24,343 = 0.0%
Furniture and vehicles 24 €346 €346 = 0.0%
Financial fixed assets 28 €2,904 €2,904 = 0.0%
Current assets 29/58 €86,945 €138,731 +€51,786 +59.6%
Amounts receivable within one year 40/41 €62,108 €86,832 +€24,724 +39.8%
Trade receivables 40 €27,550 - -€27,550
Other amounts receivable 41 €34,558 €86,832 +€52,275 +151.3%
Cash at bank and in hand 54/58 €2,822 €44,177 +€41,355 +1465.6%
Deferred charges and accrued income 490/1 €22,015 €7,722 -€14,294 -64.9%
Total equity and liabilities 10/49 €114,539 €166,325 +€51,786 +45.2%
Equity 10/15 €52,960 €80,047 +€27,086 +51.1%
Contributions 10/11 €62,000 €62,000 = 0.0%
Capital 10 €62,000 €62,000 = 0.0%
Issued capital 100 €62,000 €62,000 = 0.0%
Reserves 13 €3,000 €3,000 = 0.0%
Tax-exempt reserves 132 €3,000 €3,000 = 0.0%
Profit (loss) carried forward 14 -€12,040 €15,047 +€27,086
Amounts payable 17/49 €61,578 €86,278 +€24,700 +40.1%
Amounts payable within one year 42/48 €60,478 €86,278 +€25,800 +42.7%
Financial debts 43 - €1,260 +€1,260
Credit institutions 430/8 - €1,260 +€1,260
Taxes, remuneration and social security 45 €16,005 €50,278 +€34,273 +214.1%
Taxes 450/3 €12,933 €29,549 +€16,617 +128.5%
Remuneration and social security 454/9 €3,072 €20,729 +€17,656 +574.7%
Other amounts payable 47/48 €44,473 €34,740 -€9,733 -21.9%
Accrued charges and deferred income 492/3 €1,100 - -€1,100
Non-recurring operating income 76A €368 - -€368
Remuneration, social security and pensions 62 €50,855 €53,803 +€2,948 +5.8%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) 631/4 €194,205 - -€194,205
Other operating charges 640/8 €6,407 €5,395 -€1,011 -15.8%
Gross operating margin 9900 €130,372 €104,991 -€25,381 -19.5%
Operating profit (loss) 9901 -€121,095 €45,792 +€166,888
Financial income 75/76B €1,734 €106 -€1,628 -93.9%
Recurring financial income 75 €1,734 €106 -€1,628 -93.9%
Financial charges 65/66B €606 €523 -€82 -13.6%
Recurring financial charges 65 €606 €523 -€82 -13.6%
Profit (loss) for the period before taxes 9903 -€119,967 €45,375 +€165,343
Income taxes 67/77 €8,834 €18,289 +€9,455 +107.0%
Profit (loss) for the period 9904 -€128,801 €27,086 +€155,888
Profit (loss) for the period to be appropriated 9905 -€128,801 €27,086 +€155,888

Source: filed annual accounts (NBB), fiscal years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.