InsuCarrier: what changed
InsuCarrier
Largest movements
- Cash +€13,044
up €13,044 (+185%), from €7,036 to €20,080
mainly Receivables within one year (+€5,306) and Receivables after one year (+€5,250)
- Receivables within one year -€5,306
down €5,306 (-2.1%), from €251,661 to €246,355
of which Other amounts receivable: -€5,661
- Receivables after one year -€5,250
no longer reported in 2025 (was €5,250)
- Reserves +€5,106
up €5,106 (+2.2%), from €230,078 to €235,184
- Other debts -€3,869
no longer reported in 2025 (was €3,869)
- Gross operating margin +€719
up €719 (+13.7%), from €5,254 to €5,973
- Other operating charges -€585
down €585 (-75.9%), from €770 to €186
- Financial charges -€68
down €68 (-64.6%), from €106 to €37
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €263,947 | €266,468 | +€2,521 | +1.0% |
| Current assets | 29/58 | €263,947 | €266,468 | +€2,521 | +1.0% |
| Amounts receivable after more than one year | 29 | €5,250 | - | -€5,250 | |
| Other amounts receivable | 291 | €5,250 | - | -€5,250 | |
| Amounts receivable within one year | 40/41 | €251,661 | €246,355 | -€5,306 | -2.1% |
| Trade receivables | 40 | - | €355 | +€355 | |
| Other amounts receivable | 41 | €251,661 | €246,000 | -€5,661 | -2.2% |
| Cash at bank and in hand | 54/58 | €7,036 | €20,080 | +€13,044 | +185% |
| Deferred charges and accrued income | 490/1 | - | €33 | +€33 | |
| Total equity and liabilities | 10/49 | €263,947 | €266,468 | +€2,521 | +1.0% |
| Equity | 10/15 | €260,078 | €265,184 | +€5,106 | +2.0% |
| Contributions | 10/11 | €30,000 | €30,000 | = | 0.0% |
| Reserves | 13 | €230,078 | €235,184 | +€5,106 | +2.2% |
| Distributable reserves | 133 | €230,078 | €235,184 | +€5,106 | +2.2% |
| Amounts payable | 17/49 | €3,869 | €1,284 | -€2,585 | -66.8% |
| Amounts payable within one year | 42/48 | €3,869 | €1,284 | -€2,585 | -66.8% |
| Trade debts | 44 | - | €1,284 | +€1,284 | |
| Suppliers | 440/4 | - | €1,284 | +€1,284 | |
| Other amounts payable | 47/48 | €3,869 | - | -€3,869 | |
| Other operating charges | 640/8 | €770 | €186 | -€585 | -75.9% |
| Non-recurring operating charges | 66A | - | €644 | +€644 | |
| Gross operating margin | 9900 | €5,254 | €5,973 | +€719 | +13.7% |
| Operating profit (loss) | 9901 | €4,484 | €5,143 | +€660 | +14.7% |
| Financial income | 75/76B | €5 | - | -€5 | |
| Recurring financial income | 75 | €5 | - | -€5 | |
| Financial charges | 65/66B | €106 | €37 | -€68 | -64.6% |
| Recurring financial charges | 65 | €106 | €37 | -€68 | -64.6% |
| Profit (loss) for the period before taxes | 9903 | €4,383 | €5,106 | +€723 | +16.5% |
| Profit (loss) for the period | 9904 | €4,383 | €5,106 | +€723 | +16.5% |
| Profit (loss) for the period to be appropriated | 9905 | €4,383 | €5,106 | +€723 | +16.5% |
Next steps
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 3 November 2026 via checked.be.