Insurea Holding: 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.
Insurea Holding
Largest movements
- Cash -€254,359
down €254,359 (-92.3%), from €275,650 to €21,291
mainly Contributions, distributions and other (-€400,000) and Short-term financial debts (-€300,000)
- Short-term financial debts -€300,000
down €300,000 (-100%), from €300,000 to €0
- Other debts +€278,013
up €278,013 (+26.2%), from €1.1m to €1.3m
- Debts after one year -€141,025
down €141,025 (-85.6%), from €164,717 to €23,692
of which Financial debts: -€141,025
- Reserves -€100,017
down €100,017 (-10.4%), from €959,093 to €859,076
- Financial income -€147,000
down €147,000 (-30.0%), from €490,000 to €343,000
- Gross operating margin -€1,932
down €1,932 (-101%), from -€1,903 to -€3,835
- Financial charges +€1,864
up €1,864 (+5.2%), from €36,059 to €37,923
- Other operating charges -€40
down €40 (-3.1%), from €1,299 to €1,259
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 | €2,775,650 | €2,521,291 | -€254,359 | -9.2% |
| Fixed assets | 21/28 | €2,500,000 | €2,500,000 | = | 0.0% |
| Financial fixed assets | 28 | €2,500,000 | €2,500,000 | = | 0.0% |
| Current assets | 29/58 | €275,650 | €21,291 | -€254,359 | -92.3% |
| Cash at bank and in hand | 54/58 | €275,650 | €21,291 | -€254,359 | -92.3% |
| Total equity and liabilities | 10/49 | €2,775,650 | €2,521,291 | -€254,359 | -9.2% |
| Equity | 10/15 | €1,109,093 | €1,009,076 | -€100,017 | -9.0% |
| Contributions | 10/11 | €150,000 | €150,000 | = | 0.0% |
| Reserves | 13 | €959,093 | €859,076 | -€100,017 | -10.4% |
| Distributable reserves | 133 | €959,093 | €859,076 | -€100,017 | -10.4% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €1,666,557 | €1,512,215 | -€154,342 | -9.3% |
| Amounts payable after more than one year | 17 | €164,717 | €23,692 | -€141,025 | -85.6% |
| Financial debts | 170/4 | €164,717 | €23,692 | -€141,025 | -85.6% |
| Other amounts payable | 178/9 | €0 | - | = | |
| Amounts payable within one year | 42/48 | €1,501,840 | €1,488,523 | -€13,317 | -0.9% |
| Current portion of amounts payable after more than one year | 42 | €142,484 | €150,404 | +€7,920 | +5.6% |
| Financial debts | 43 | €300,000 | €0 | -€300,000 | -100% |
| Credit institutions | 430/8 | €300,000 | €0 | -€300,000 | -100% |
| Trade debts | 44 | - | €750 | +€750 | |
| Suppliers | 440/4 | - | €750 | +€750 | |
| Other amounts payable | 47/48 | €1,059,356 | €1,337,369 | +€278,013 | +26.2% |
| Other operating charges | 640/8 | €1,299 | €1,259 | -€40 | -3.1% |
| Gross operating margin | 9900 | -€1,903 | -€3,835 | -€1,932 | -101% |
| Operating profit (loss) | 9901 | -€3,202 | -€5,094 | -€1,891 | -59.1% |
| Financial income | 75/76B | €490,000 | €343,000 | -€147,000 | -30.0% |
| Recurring financial income | 75 | €490,000 | €343,000 | -€147,000 | -30.0% |
| Financial charges | 65/66B | €36,059 | €37,923 | +€1,864 | +5.2% |
| Recurring financial charges | 65 | €36,059 | €37,923 | +€1,864 | +5.2% |
| Profit (loss) for the period before taxes | 9903 | €450,739 | €299,983 | -€150,756 | -33.4% |
| Profit (loss) for the period | 9904 | €450,739 | €299,983 | -€150,756 | -33.4% |
| Profit (loss) for the period to be appropriated | 9905 | €450,739 | €299,983 | -€150,756 | -33.4% |
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 25 October 2026 via checked.be.