I-ASSUR: what changed
What changed
I-ASSUR
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€11,536
2024 · €5,027+€6,509
Equity
€116,306
2024 · €104,770+€11,536
Cash
€3,280
2024 · €4,049-€769
Balance sheet total
€188,994
2024 · €191,779-€2,784
Largest movements
Assets
- Intangible fixed assets -€24,711
down €24,711 (-24.1%), from €102,475 to €77,764
- Current investments +€23,000
up €23,000 (+71.9%), from €32,000 to €55,000
Equity and liabilities
- Debts after one year -€13,818
down €13,818 (-100%), from €13,818 to €0
- Short-term financial debts -€11,979
down €11,979 (-100%), from €11,979 to €0
- Profit (loss) carried forward +€11,536
up €11,536 (+70.0%), from -€16,480 to -€4,944
- Trade debts +€5,626
up €5,626 (+14.0%), from €40,211 to €45,837
- Tax, wage and social debts +€4,435
up €4,435 (+77.4%), from €5,730 to €10,166
of which Taxes: +€3,799
Income statement
- Gross operating margin +€19,598
up €19,598 (+23.2%), from €84,448 to €104,046
- Staff costs +€10,940
up €10,940 (+24.1%), from €45,330 to €56,270
- Taxes +€4,698
up €4,698 (+114%), from €4,108 to €8,807
- Other operating charges -€1,109
down €1,109 (-51.6%), from €2,148 to €1,039
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€5,027
Gross operating margin
+€19,598
Staff costs
-€10,940
Depreciation
+€885
Other operating charges
+€1,109
Financial income
-€299
Financial charges
+€854
Taxes
-€4,698
Result 2025
€11,536
raises the resultlowers the result
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€48,680
Investment
-€23,968
Financing
-€25,481
Cash 2024
€4,049
From operations (derived)
+€48,680
Net result for the year
+€11,536
Depreciation
+€25,739
Receivables within one year
+€245
Trade debts
+€5,626
Tax, wage and social debts
+€4,435
Other debts
+€1,100
Investment (derived)
-€23,968
Investment in fixed assets (net)
-€968
Current investments
-€23,000
Financing
-€25,481
Debts after one year
-€13,818
Current portion of long-term debt
+€316
Short-term financial debts
-€11,979
Cash 2025
€3,280
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €191,779 | €188,994 | -€2,784 | -1.5% |
| Fixed assets | 21/28 | €105,822 | €81,051 | -€24,771 | -23.4% |
| Intangible fixed assets | 21 | €102,475 | €77,764 | -€24,711 | -24.1% |
| Tangible fixed assets | 22/27 | €3,217 | €3,158 | -€60 | -1.9% |
| Plant, machinery and equipment | 23 | - | €0 | = | |
| Furniture and vehicles | 24 | €497 | €1,041 | +€543 | +109% |
| Other tangible fixed assets | 26 | €2,720 | €2,117 | -€603 | -22.2% |
| Financial fixed assets | 28 | €130 | €130 | = | 0.0% |
| Current assets | 29/58 | €85,957 | €107,943 | +€21,986 | +25.6% |
| Stocks and contracts in progress | 3 | €0 | - | = | |
| Stocks | 30/36 | €0 | - | = | |
| Amounts receivable within one year | 40/41 | €49,908 | €49,663 | -€245 | -0.5% |
| Trade receivables | 40 | €37,250 | €36,817 | -€433 | -1.2% |
| Other amounts receivable | 41 | €12,658 | €12,846 | +€188 | +1.5% |
| Current investments | 50/53 | €32,000 | €55,000 | +€23,000 | +71.9% |
| Cash at bank and in hand | 54/58 | €4,049 | €3,280 | -€769 | -19.0% |
| Total equity and liabilities | 10/49 | €191,779 | €188,994 | -€2,784 | -1.5% |
| Equity | 10/15 | €104,770 | €116,306 | +€11,536 | +11.0% |
| Contributions | 10/11 | €121,200 | €121,200 | = | 0.0% |
| Reserves | 13 | €50 | €50 | = | 0.0% |
| Distributable reserves | 133 | €50 | €50 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€16,480 | -€4,944 | +€11,536 | +70.0% |
| Amounts payable | 17/49 | €87,009 | €72,689 | -€14,320 | -16.5% |
| Amounts payable after more than one year | 17 | €13,818 | €0 | -€13,818 | -100% |
| Financial debts | 170/4 | €13,818 | €0 | -€13,818 | -100% |
| Amounts payable within one year | 42/48 | €73,191 | €72,689 | -€502 | -0.7% |
| Current portion of amounts payable after more than one year | 42 | €13,502 | €13,818 | +€316 | +2.3% |
| Financial debts | 43 | €11,979 | €0 | -€11,979 | -100% |
| Other loans | 439 | €11,979 | €0 | -€11,979 | -100% |
| Trade debts | 44 | €40,211 | €45,837 | +€5,626 | +14.0% |
| Suppliers | 440/4 | €40,211 | €45,837 | +€5,626 | +14.0% |
| Taxes, remuneration and social security | 45 | €5,730 | €10,166 | +€4,435 | +77.4% |
| Taxes | 450/3 | - | €3,799 | +€3,799 | |
| Remuneration and social security | 454/9 | €5,730 | €6,367 | +€636 | +11.1% |
| Other amounts payable | 47/48 | €1,768 | €2,868 | +€1,100 | +62.2% |
| Remuneration, social security and pensions | 62 | €45,330 | €56,270 | +€10,940 | +24.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €26,624 | €25,739 | -€885 | -3.3% |
| Other operating charges | 640/8 | €2,148 | €1,039 | -€1,109 | -51.6% |
| Gross operating margin | 9900 | €84,448 | €104,046 | +€19,598 | +23.2% |
| Operating profit (loss) | 9901 | €10,347 | €20,999 | +€10,652 | +103% |
| Financial income | 75/76B | €442 | €144 | -€299 | -67.5% |
| Recurring financial income | 75 | €442 | €144 | -€299 | -67.5% |
| Financial charges | 65/66B | €1,654 | €800 | -€854 | -51.6% |
| Recurring financial charges | 65 | €1,654 | €800 | -€854 | -51.6% |
| Profit (loss) for the period before taxes | 9903 | €9,135 | €20,342 | +€11,207 | +123% |
| Income taxes | 67/77 | €4,108 | €8,807 | +€4,698 | +114% |
| Profit (loss) for the period | 9904 | €5,027 | €11,536 | +€6,509 | +129% |
| Profit (loss) for the period to be appropriated | 9905 | €5,027 | €11,536 | +€6,509 | +129% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 6 November 2026 via checked.be.