INSURANCE SERVICES +: what changed
Two financial 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.
INSURANCE SERVICES +
Largest movements
- Receivables within one year -€6,618
down €6,618 (-3.6%), from €186,066 to €179,448
of which Other amounts receivable: -€5,795
- Debts after one year -€27,448
no longer reported in 2024 (was €27,448)
- Profit (loss) carried forward +€27,355
up €27,355, from -€16,021 to €11,334
- Trade debts +€5,632
up €5,632 (+71.7%), from €7,851 to €13,483
- Short-term financial debts -€5,134
down €5,134 (-54.8%), from €9,369 to €4,235
- Tax, wage and social debts -€4,446
down €4,446 (-60.7%), from €7,319 to €2,873
- Turnover -€12,372
down €12,372 (-5.7%), from €215,365 to €202,993
- Gross operating margin -€6,334
down €6,334 (-5.1%), from €123,444 to €117,110
- Staff costs -€6,255
down €6,255 (-7.7%), from €80,766 to €74,511
- Purchases and services -€5,961
down €5,961 (-6.4%), from €92,955 to €86,994
From the 2023 result to the 2024 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.
Derived cash bridge
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.
Every line side by side
| Line | Code | 2023 | 2024 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €190,457 | €184,607 | -€5,850 | -3.1% |
| Fixed assets | 21/28 | €2,032 | €2,033 | +€1 | 0.0% |
| Intangible fixed assets | 21 | - | €0 | = | |
| Financial fixed assets | 28 | €2,032 | €2,033 | +€1 | 0.0% |
| Current assets | 29/58 | €188,425 | €182,574 | -€5,851 | -3.1% |
| Amounts receivable within one year | 40/41 | €186,066 | €179,448 | -€6,618 | -3.6% |
| Trade receivables | 40 | €16,712 | €15,889 | -€823 | -4.9% |
| Other amounts receivable | 41 | €169,354 | €163,559 | -€5,795 | -3.4% |
| Cash at bank and in hand | 54/58 | €2,359 | €3,126 | +€767 | +32.5% |
| Total equity and liabilities | 10/49 | €190,457 | €184,607 | -€5,850 | -3.1% |
| Equity | 10/15 | €4,430 | €31,785 | +€27,355 | +617% |
| Contributions | 10/11 | €18,592 | €18,592 | = | 0.0% |
| Capital | 10 | €18,592 | €18,592 | = | 0.0% |
| Issued capital | 100 | €18,592 | €18,592 | = | 0.0% |
| Reserves | 13 | €1,859 | €1,859 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,859 | €1,859 | = | 0.0% |
| Legal reserve | 130 | €1,859 | €1,859 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€16,021 | €11,334 | +€27,355 | |
| Amounts payable | 17/49 | €186,027 | €152,822 | -€33,205 | -17.8% |
| Amounts payable after more than one year | 17 | €27,448 | - | -€27,448 | |
| Financial debts | 170/4 | €27,448 | - | -€27,448 | |
| Amounts payable within one year | 42/48 | €158,579 | €152,518 | -€6,061 | -3.8% |
| Current portion of amounts payable after more than one year | 42 | €45,657 | €46,992 | +€1,335 | +2.9% |
| Financial debts | 43 | €9,369 | €4,235 | -€5,134 | -54.8% |
| Credit institutions | 430/8 | €9,369 | €4,235 | -€5,134 | -54.8% |
| Trade debts | 44 | €7,851 | €13,483 | +€5,632 | +71.7% |
| Suppliers | 440/4 | €7,851 | €13,483 | +€5,632 | +71.7% |
| Taxes, remuneration and social security | 45 | €7,319 | €2,873 | -€4,446 | -60.7% |
| Remuneration and social security | 454/9 | €7,319 | €2,873 | -€4,446 | -60.7% |
| Other amounts payable | 47/48 | €88,383 | €84,935 | -€3,448 | -3.9% |
| Accrued charges and deferred income | 492/3 | - | €304 | +€304 | |
| Turnover | 70 | €215,365 | €202,993 | -€12,372 | -5.7% |
| Non-recurring operating income | 76A | €1,034 | €1,111 | +€77 | +7.4% |
| Goods, raw materials, services and sundry goods | 60/61 | €92,955 | €86,994 | -€5,961 | -6.4% |
| Remuneration, social security and pensions | 62 | €80,766 | €74,511 | -€6,255 | -7.7% |
| Other operating charges | 640/8 | - | €735 | +€735 | |
| Non-recurring operating charges | 66A | - | €487 | +€487 | |
| Gross operating margin | 9900 | €123,444 | €117,110 | -€6,334 | -5.1% |
| Operating profit (loss) | 9901 | €42,678 | €41,377 | -€1,301 | -3.0% |
| Financial income | 75/76B | €174 | €372 | +€198 | +114% |
| Recurring financial income | 75 | €174 | €1 | -€173 | -99.4% |
| Non-recurring financial income | 76B | €174 | €371 | +€197 | +113% |
| Financial charges | 65/66B | €4,932 | €3,667 | -€1,265 | -25.6% |
| Recurring financial charges | 65 | €4,839 | €3,667 | -€1,172 | -24.2% |
| Non-recurring financial charges | 66B | €93 | - | -€93 | |
| Profit (loss) for the period before taxes | 9903 | €37,920 | €38,082 | +€162 | +0.4% |
| Income taxes | 67/77 | €11,040 | €10,727 | -€313 | -2.8% |
| Profit (loss) for the period | 9904 | €26,880 | €27,355 | +€475 | +1.8% |
| Profit (loss) for the period to be appropriated | 9905 | €26,880 | €27,355 | +€475 | +1.8% |
Source: filed annual accounts (NBB), financial years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 16 October 2026 via checked.be.