INSURIA: what changed
What changed
INSURIA
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€17,898
2024 · €26,707-€8,809
Equity
€286,322
2024 · €268,424+€17,898
Cash
€227,964
2024 · €216,533+€11,431
Balance sheet total
€453,513
2024 · €430,246+€23,267
Largest movements
Assets
- Receivables within one year +€21,141
up €21,141 (+25.0%), from €84,670 to €105,811
of which Other amounts receivable: +€15,390
- Tangible fixed assets -€11,464
down €11,464 (-9.2%), from €124,078 to €112,614
of which Land and buildings: -€18,289
- Cash +€11,431
up €11,431 (+5.3%), from €216,533 to €227,964
mainly Depreciation (+€52,705) and Net result for the year (+€17,898)
Equity and liabilities
- Profit (loss) carried forward +€17,898
up €17,898, from €0 to €17,898
Income statement
- Staff costs +€8,754
up €8,754 (+3.3%), from €262,944 to €271,698
- Depreciation +€4,769
up €4,769 (+9.9%), from €47,937 to €52,705
- Taxes -€4,158
down €4,158 (-26.0%), from €15,969 to €11,811
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€26,707
Gross operating margin
+€990
Staff costs
-€8,754
Depreciation
-€4,769
Other operating charges
-€149
Financial charges
-€284
Taxes
+€4,158
Result 2025
€17,898
raises the resultlowers the result
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€47,252
Investment
-€41,242
Financing
+€5,420
Cash 2024
€216,533
From operations (derived)
+€47,252
Net result for the year
+€17,898
Depreciation
+€52,705
Receivables within one year
-€21,141
Deferred charges and accrued income
-€2,159
Trade debts
+€2,950
Tax, wage and social debts
-€3,001
Investment (derived)
-€41,242
Investment in fixed assets (net)
-€41,242
Financing
+€5,420
Debts after one year
+€2,263
Current portion of long-term debt
+€3,158
Cash 2025
€227,964
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €430,246 | €453,513 | +€23,267 | +5.4% |
| Fixed assets | 21/28 | €124,203 | €112,739 | -€11,464 | -9.2% |
| Tangible fixed assets | 22/27 | €124,078 | €112,614 | -€11,464 | -9.2% |
| Land and buildings | 22 | €92,968 | €74,679 | -€18,289 | -19.7% |
| Plant, machinery and equipment | 23 | €470 | €53 | -€417 | -88.7% |
| Furniture and vehicles | 24 | €30,640 | €37,882 | +€7,242 | +23.6% |
| Financial fixed assets | 28 | €125 | €125 | = | 0.0% |
| Current assets | 29/58 | €306,043 | €340,774 | +€34,731 | +11.3% |
| Amounts receivable within one year | 40/41 | €84,670 | €105,811 | +€21,141 | +25.0% |
| Trade receivables | 40 | €9,504 | €15,254 | +€5,750 | +60.5% |
| Other amounts receivable | 41 | €75,167 | €90,557 | +€15,390 | +20.5% |
| Cash at bank and in hand | 54/58 | €216,533 | €227,964 | +€11,431 | +5.3% |
| Deferred charges and accrued income | 490/1 | €4,840 | €6,999 | +€2,159 | +44.6% |
| Total equity and liabilities | 10/49 | €430,246 | €453,513 | +€23,267 | +5.4% |
| Equity | 10/15 | €268,424 | €286,322 | +€17,898 | +6.7% |
| Contributions | 10/11 | €6,205 | €6,205 | = | 0.0% |
| Reserves | 13 | €262,219 | €262,219 | = | 0.0% |
| Distributable reserves | 133 | €262,219 | €262,219 | = | 0.0% |
| Profit (loss) carried forward | 14 | €0 | €17,898 | +€17,898 | |
| Amounts payable | 17/49 | €161,822 | €167,191 | +€5,369 | +3.3% |
| Amounts payable after more than one year | 17 | €93,202 | €95,465 | +€2,263 | +2.4% |
| Financial debts | 170/4 | €93,202 | €95,465 | +€2,263 | +2.4% |
| Amounts payable within one year | 42/48 | €68,620 | €71,726 | +€3,107 | +4.5% |
| Current portion of amounts payable after more than one year | 42 | €18,607 | €21,764 | +€3,158 | +17.0% |
| Trade debts | 44 | €303 | €3,253 | +€2,950 | +974% |
| Suppliers | 440/4 | €303 | €3,253 | +€2,950 | +974% |
| Taxes, remuneration and social security | 45 | €44,719 | €41,718 | -€3,001 | -6.7% |
| Taxes | 450/3 | €11,699 | €7,909 | -€3,790 | -32.4% |
| Remuneration and social security | 454/9 | €33,021 | €33,809 | +€788 | +2.4% |
| Other amounts payable | 47/48 | €4,991 | €4,991 | = | 0.0% |
| Non-recurring operating income | 76A | €6,780 | €0 | -€6,780 | -100% |
| Remuneration, social security and pensions | 62 | €262,944 | €271,698 | +€8,754 | +3.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €47,937 | €52,705 | +€4,769 | +9.9% |
| Other operating charges | 640/8 | €6,117 | €6,266 | +€149 | +2.4% |
| Gross operating margin | 9900 | €364,129 | €365,119 | +€990 | +0.3% |
| Operating profit (loss) | 9901 | €47,132 | €34,450 | -€12,682 | -26.9% |
| Financial charges | 65/66B | €4,457 | €4,741 | +€284 | +6.4% |
| Recurring financial charges | 65 | €4,457 | €4,741 | +€284 | +6.4% |
| Profit (loss) for the period before taxes | 9903 | €42,676 | €29,709 | -€12,967 | -30.4% |
| Income taxes | 67/77 | €15,969 | €11,811 | -€4,158 | -26.0% |
| Profit (loss) for the period | 9904 | €26,707 | €17,898 | -€8,809 | -33.0% |
| Profit (loss) for the period to be appropriated | 9905 | €26,707 | €17,898 | -€8,809 | -33.0% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 1 November 2026 via checked.be.