GESTION ASSURANCES MULTIPLES: 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.
GESTION ASSURANCES MULTIPLES
Largest movements
- Receivables within one year -€14,555
down €14,555 (-49.4%), from €29,477 to €14,921
of which Other amounts receivable: -€14,227
- Tangible fixed assets -€1,214
down €1,214 (-16.7%), from €7,252 to €6,038
- Deferred charges and accrued income +€1,178
up €1,178 (+31.1%), from €3,787 to €4,964
- Short-term financial debts -€6,612
down €6,612 (-33.3%), from €19,828 to €13,215
- Tax, wage and social debts -€5,773
down €5,773 (-37.2%), from €15,528 to €9,755
of which Remuneration and social security: -€8,534
- Trade debts -€3,196
down €3,196 (-76.5%), from €4,179 to €983
- Profit (loss) carried forward +€3,077
up €3,077 (+3.5%), from -€87,408 to -€84,332
- Other debts -€2,101
down €2,101 (-7.8%), from €27,101 to €25,000
- Gross operating margin +€61,475
up €61,475 (+375.1%), from €16,387 to €77,862
- Staff costs -€3,086
down €3,086 (-4.5%), from €68,442 to €65,355
- Financial charges +€1,946
up €1,946 (+64.9%), from €2,998 to €4,944
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 | €47,428 | €32,821 | -€14,606 | -30.8% |
| Fixed assets | 21/28 | €12,526 | €11,312 | -€1,214 | -9.7% |
| Tangible fixed assets | 22/27 | €7,252 | €6,038 | -€1,214 | -16.7% |
| Plant, machinery and equipment | 23 | €886 | €609 | -€277 | -31.3% |
| Furniture and vehicles | 24 | €2,104 | €1,755 | -€349 | -16.6% |
| Other tangible fixed assets | 26 | €4,262 | €3,674 | -€589 | -13.8% |
| Financial fixed assets | 28 | €5,274 | €5,274 | = | 0.0% |
| Current assets | 29/58 | €34,902 | €21,510 | -€13,392 | -38.4% |
| Amounts receivable within one year | 40/41 | €29,477 | €14,921 | -€14,555 | -49.4% |
| Trade receivables | 40 | €14,598 | €14,270 | -€328 | -2.2% |
| Other amounts receivable | 41 | €14,879 | €652 | -€14,227 | -95.6% |
| Cash at bank and in hand | 54/58 | €1,638 | €1,624 | -€14 | -0.9% |
| Deferred charges and accrued income | 490/1 | €3,787 | €4,964 | +€1,178 | +31.1% |
| Total equity and liabilities | 10/49 | €47,428 | €32,821 | -€14,606 | -30.8% |
| Equity | 10/15 | -€19,208 | -€16,132 | +€3,077 | +16.0% |
| 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 | €6,200 | €6,200 | = | 0.0% |
| Non-distributable reserves | 130/1 | €6,200 | €6,200 | = | 0.0% |
| Legal reserve | 130 | €6,200 | €6,200 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€87,408 | -€84,332 | +€3,077 | +3.5% |
| Amounts payable | 17/49 | €66,636 | €48,953 | -€17,683 | -26.5% |
| Amounts payable within one year | 42/48 | €66,636 | €48,953 | -€17,683 | -26.5% |
| Financial debts | 43 | €19,828 | €13,215 | -€6,612 | -33.3% |
| Credit institutions | 430/8 | €19,828 | €13,215 | -€6,612 | -33.3% |
| Trade debts | 44 | €4,179 | €983 | -€3,196 | -76.5% |
| Suppliers | 440/4 | €4,179 | €983 | -€3,196 | -76.5% |
| Taxes, remuneration and social security | 45 | €15,528 | €9,755 | -€5,773 | -37.2% |
| Taxes | 450/3 | €519 | €3,279 | +€2,761 | +532.1% |
| Remuneration and social security | 454/9 | €15,010 | €6,475 | -€8,534 | -56.9% |
| Other amounts payable | 47/48 | €27,101 | €25,000 | -€2,101 | -7.8% |
| Remuneration, social security and pensions | 62 | €68,442 | €65,355 | -€3,086 | -4.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,362 | €2,430 | +€68 | +2.9% |
| Other operating charges | 640/8 | €2,132 | €2,069 | -€63 | -2.9% |
| Gross operating margin | 9900 | €16,387 | €77,862 | +€61,475 | +375.1% |
| Operating profit (loss) | 9901 | -€56,549 | €8,007 | +€64,556 | |
| Financial income | 75/76B | €2 | €13 | +€12 | +680.8% |
| Recurring financial income | 75 | €2 | €13 | +€12 | +680.8% |
| Financial charges | 65/66B | €2,998 | €4,944 | +€1,946 | +64.9% |
| Recurring financial charges | 65 | €2,998 | €4,944 | +€1,946 | +64.9% |
| Profit (loss) for the period before taxes | 9903 | -€59,545 | €3,077 | +€62,621 | |
| Profit (loss) for the period | 9904 | -€59,545 | €3,077 | +€62,621 | |
| Profit (loss) for the period to be appropriated | 9905 | -€59,545 | €3,077 | +€62,621 |
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 2 October 2026 via checked.be.