INSURANTIS: 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.
INSURANTIS
Largest movements
- Tangible fixed assets -€4,093
down €4,093 (-76.4%), from €5,354 to €1,262
- Deferred charges and accrued income -€3,761
down €3,761 (-82.0%), from €4,584 to €823
- Receivables within one year -€3,016
down €3,016 (-58.5%), from €5,155 to €2,138
- Cash -€2,844
down €2,844 (-69.3%), from €4,106 to €1,262
mainly Net result for the year (-€10,704) and Trade debts (-€2,964)
- Profit (loss) carried forward -€10,704
down €10,704 (-174.0%), from -€6,150 to -€16,854
- Trade debts -€2,964
down €2,964 (-61.2%), from €4,843 to €1,879
- Gross operating margin -€2,875
down €2,875 (-127.1%), from -€2,263 to -€5,137
- Other operating charges +€425
up €425 (+58.4%), from €729 to €1,154
- Financial charges +€279
up €279 (+123.2%), from €226 to €505
- Financial income -€239
down €239 (-56.3%), from €425 to €186
- Depreciation -€129
down €129 (-3.0%), from €4,221 to €4,093
From the 2025 result to the 2026 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 2025 and 2026 balance sheets and the 2026 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2025 | 2026 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €19,199 | €5,485 | -€13,713 | -71.4% |
| Fixed assets | 21/28 | €5,354 | €1,262 | -€4,093 | -76.4% |
| Tangible fixed assets | 22/27 | €5,354 | €1,262 | -€4,093 | -76.4% |
| Other tangible fixed assets | 26 | €5,354 | €1,262 | -€4,093 | -76.4% |
| Current assets | 29/58 | €13,844 | €4,224 | -€9,621 | -69.5% |
| Amounts receivable within one year | 40/41 | €5,155 | €2,138 | -€3,016 | -58.5% |
| Other amounts receivable | 41 | €5,155 | €2,138 | -€3,016 | -58.5% |
| Cash at bank and in hand | 54/58 | €4,106 | €1,262 | -€2,844 | -69.3% |
| Deferred charges and accrued income | 490/1 | €4,584 | €823 | -€3,761 | -82.0% |
| Total equity and liabilities | 10/49 | €19,199 | €5,485 | -€13,713 | -71.4% |
| Equity | 10/15 | €14,310 | €3,606 | -€10,704 | -74.8% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€6,150 | -€16,854 | -€10,704 | -174.0% |
| Amounts payable | 17/49 | €4,888 | €1,879 | -€3,010 | -61.6% |
| Amounts payable within one year | 42/48 | €4,843 | €1,879 | -€2,964 | -61.2% |
| Trade debts | 44 | €4,843 | €1,879 | -€2,964 | -61.2% |
| Suppliers | 440/4 | €4,843 | €1,879 | -€2,964 | -61.2% |
| Accrued charges and deferred income | 492/3 | €46 | - | -€46 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €4,221 | €4,093 | -€129 | -3.0% |
| Other operating charges | 640/8 | €729 | €1,154 | +€425 | +58.4% |
| Gross operating margin | 9900 | -€2,263 | -€5,137 | -€2,875 | -127.1% |
| Operating profit (loss) | 9901 | -€7,213 | -€10,384 | -€3,172 | -44.0% |
| Financial income | 75/76B | €425 | €186 | -€239 | -56.3% |
| Recurring financial income | 75 | €425 | €186 | -€239 | -56.3% |
| Financial charges | 65/66B | €226 | €505 | +€279 | +123.2% |
| Recurring financial charges | 65 | €226 | €505 | +€279 | +123.2% |
| Profit (loss) for the period before taxes | 9903 | -€7,014 | -€10,704 | -€3,690 | -52.6% |
| Income taxes | 67/77 | €125 | - | -€125 | |
| Profit (loss) for the period | 9904 | -€7,139 | -€10,704 | -€3,565 | -49.9% |
| Profit (loss) for the period to be appropriated | 9905 | -€7,139 | -€10,704 | -€3,565 | -49.9% |
Source: filed annual accounts (NBB), fiscal years ended 30 June 2025 and 30 June 2026. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 5 October 2026 via checked.be.