INSURALINK: 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.
INSURALINK
Largest movements
- Cash +€34,726
up €34,726 (+711.4%), from €4,881 to €39,607
mainly Net result for the year (+€51,666) and Tax, wage and social debts (+€9,000)
- Intangible fixed assets -€1,704
down €1,704 (-59.0%), from €2,890 to €1,186
- Profit (loss) carried forward +€51,666
up €51,666, from -€23,023 to €28,643
- Other debts -€16,501
no longer reported in 2025 (was €16,501)
- Trade debts -€11,143
down €11,143 (-89.2%), from €12,493 to €1,350
- Tax, wage and social debts +€9,000
new in 2025: €9,000
- Gross operating margin +€74,338
up €74,338, from -€11,033 to €63,305
- Taxes +€9,000
new in 2025: €9,000
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 | €8,971 | €41,993 | +€33,022 | +368.1% |
| Fixed assets | 21/28 | €4,090 | €2,386 | -€1,704 | -41.7% |
| Intangible fixed assets | 21 | €2,890 | €1,186 | -€1,704 | -59.0% |
| Financial fixed assets | 28 | €1,200 | €1,200 | = | 0.0% |
| Current assets | 29/58 | €4,881 | €39,607 | +€34,726 | +711.4% |
| Cash at bank and in hand | 54/58 | €4,881 | €39,607 | +€34,726 | +711.4% |
| Total equity and liabilities | 10/49 | €8,971 | €41,993 | +€33,022 | +368.1% |
| Equity | 10/15 | -€20,023 | €31,643 | +€51,666 | |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€23,023 | €28,643 | +€51,666 | |
| Amounts payable | 17/49 | €28,994 | €10,350 | -€18,644 | -64.3% |
| Amounts payable within one year | 42/48 | €28,994 | €10,350 | -€18,644 | -64.3% |
| Trade debts | 44 | €12,493 | €1,350 | -€11,143 | -89.2% |
| Suppliers | 440/4 | €12,493 | €1,350 | -€11,143 | -89.2% |
| Taxes, remuneration and social security | 45 | - | €9,000 | +€9,000 | |
| Taxes | 450/3 | - | €9,000 | +€9,000 | |
| Other amounts payable | 47/48 | €16,501 | - | -€16,501 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,704 | €1,704 | = | 0.0% |
| Other operating charges | 640/8 | €387 | €684 | +€296 | +76.5% |
| Gross operating margin | 9900 | -€11,033 | €63,305 | +€74,338 | |
| Operating profit (loss) | 9901 | -€13,124 | €60,918 | +€74,042 | |
| Financial charges | 65/66B | €114 | €252 | +€138 | +121.4% |
| Recurring financial charges | 65 | €114 | €252 | +€138 | +121.4% |
| Profit (loss) for the period before taxes | 9903 | -€13,238 | €60,666 | +€73,904 | |
| Income taxes | 67/77 | - | €9,000 | +€9,000 | |
| Profit (loss) for the period | 9904 | -€13,238 | €51,666 | +€64,904 | |
| Profit (loss) for the period to be appropriated | 9905 | -€13,238 | €51,666 | +€64,904 |
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 3 October 2026 via checked.be.