INSURE 4 YOU: 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.
INSURE 4 YOU
Largest movements
- Deferred charges and accrued income +€40,978
up €40,978 (+34.0%), from €120,399 to €161,377
- Cash -€10,625
down €10,625 (-97.5%), from €10,896 to €271
mainly Deferred charges and accrued income (-€40,978) and Trade debts (-€9,175)
- Receivables within one year -€7,047
down €7,047 (-70.5%), from €10,000 to €2,953
of which Other amounts receivable: -€10,000
- Accrued charges and deferred income +€23,172
up €23,172 (+24.3%), from €95,269 to €118,441
- Trade debts -€9,175
down €9,175 (-96.1%), from €9,550 to €375
- Profit (loss) carried forward +€6,813
up €6,813 (+48.5%), from €14,044 to €20,857
- Tax, wage and social debts +€4,489
up €4,489 (+50.1%), from €8,969 to €13,458
of which Remuneration and social security: +€4,513
- Other debts -€1,973
down €1,973 (-79.6%), from €2,479 to €506
- Gross operating margin +€16,449
up €16,449 (+37.2%), from €44,243 to €60,692
- Taxes +€3,407
up €3,407, from €0 to €3,407
- Staff costs +€1,135
up €1,135 (+2.3%), from €48,358 to €49,493
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.
Derived cash bridge
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 | €141,295 | €164,601 | +€23,306 | +16.5% |
| Current assets | 29/58 | €141,295 | €164,601 | +€23,306 | +16.5% |
| Amounts receivable within one year | 40/41 | €10,000 | €2,953 | -€7,047 | -70.5% |
| Trade receivables | 40 | - | €2,953 | +€2,953 | |
| Other amounts receivable | 41 | €10,000 | €0 | -€10,000 | -100% |
| Cash at bank and in hand | 54/58 | €10,896 | €271 | -€10,625 | -97.5% |
| Deferred charges and accrued income | 490/1 | €120,399 | €161,377 | +€40,978 | +34.0% |
| Total equity and liabilities | 10/49 | €141,295 | €164,601 | +€23,306 | +16.5% |
| Equity | 10/15 | €24,044 | €30,857 | +€6,813 | +28.3% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €14,044 | €20,857 | +€6,813 | +48.5% |
| Amounts payable | 17/49 | €117,251 | €133,744 | +€16,493 | +14.1% |
| Amounts payable within one year | 42/48 | €21,982 | €15,303 | -€6,679 | -30.4% |
| Financial debts | 43 | €985 | €965 | -€20 | -2.1% |
| Credit institutions | 430/8 | €985 | €965 | -€20 | -2.1% |
| Trade debts | 44 | €9,550 | €375 | -€9,175 | -96.1% |
| Suppliers | 440/4 | €9,550 | €375 | -€9,175 | -96.1% |
| Taxes, remuneration and social security | 45 | €8,969 | €13,458 | +€4,489 | +50.1% |
| Taxes | 450/3 | €3,370 | €3,346 | -€24 | -0.7% |
| Remuneration and social security | 454/9 | €5,599 | €10,112 | +€4,513 | +80.6% |
| Other amounts payable | 47/48 | €2,479 | €506 | -€1,973 | -79.6% |
| Accrued charges and deferred income | 492/3 | €95,269 | €118,441 | +€23,172 | +24.3% |
| Remuneration, social security and pensions | 62 | €48,358 | €49,493 | +€1,135 | +2.3% |
| Other operating charges | 640/8 | €903 | €919 | +€16 | +1.8% |
| Gross operating margin | 9900 | €44,243 | €60,692 | +€16,449 | +37.2% |
| Operating profit (loss) | 9901 | -€5,017 | €10,280 | +€15,297 | |
| Financial charges | 65/66B | €176 | €61 | -€116 | -65.6% |
| Recurring financial charges | 65 | €176 | €61 | -€116 | -65.6% |
| Profit (loss) for the period before taxes | 9903 | -€5,194 | €10,219 | +€15,413 | |
| Income taxes | 67/77 | €0 | €3,407 | +€3,407 | |
| Profit (loss) for the period | 9904 | -€5,194 | €6,813 | +€12,006 | |
| Profit (loss) for the period to be appropriated | 9905 | -€5,194 | €6,813 | +€12,006 |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 October 2026 via checked.be.