Insurio: 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.
Insurio
Largest movements
- Deferred charges and accrued income +€21,559
up €21,559 (+231.5%), from €9,312 to €30,871
- Receivables within one year -€17,722
down €17,722 (-61.8%), from €28,670 to €10,948
of which Trade receivables: -€17,002
- Cash +€15,006
up €15,006 (+74.8%), from €20,064 to €35,071
mainly Receivables within one year (+€17,722) and Net result for the year (+€10,545)
- Tangible fixed assets -€1,068
down €1,068 (-11.6%), from €9,189 to €8,121
of which Other tangible fixed assets: -€991
- Reserves +€10,545
up €10,545 (+21.6%), from €48,799 to €59,344
- Trade debts +€4,860
up €4,860 (+274.0%), from €1,774 to €6,634
- Other debts +€2,814
up €2,814 (+77.5%), from €3,630 to €6,444
- Current portion of long-term debt -€2,461
down €2,461 (-74.1%), from €3,320 to €859
- Short-term financial debts +€2,245
up €2,245 (+999.5%), from €225 to €2,470
- Gross operating margin +€5,422
up €5,422 (+31.2%), from €17,397 to €22,819
- Taxes +€1,358
up €1,358 (+31.5%), from €4,314 to €5,672
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.
Cash bridge derived
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 | €67,235 | €85,010 | +€17,775 | +26.4% |
| Fixed assets | 21/28 | €9,189 | €8,121 | -€1,068 | -11.6% |
| Tangible fixed assets | 22/27 | €9,189 | €8,121 | -€1,068 | -11.6% |
| Furniture and vehicles | 24 | €6,416 | €6,339 | -€77 | -1.2% |
| Other tangible fixed assets | 26 | €2,773 | €1,782 | -€991 | -35.7% |
| Current assets | 29/58 | €58,046 | €76,889 | +€18,843 | +32.5% |
| Amounts receivable within one year | 40/41 | €28,670 | €10,948 | -€17,722 | -61.8% |
| Trade receivables | 40 | €27,950 | €10,948 | -€17,002 | -60.8% |
| Other amounts receivable | 41 | €720 | €0 | -€720 | -100.0% |
| Cash at bank and in hand | 54/58 | €20,064 | €35,071 | +€15,006 | +74.8% |
| Deferred charges and accrued income | 490/1 | €9,312 | €30,871 | +€21,559 | +231.5% |
| Total equity and liabilities | 10/49 | €67,235 | €85,010 | +€17,775 | +26.4% |
| Equity | 10/15 | €54,999 | €65,544 | +€10,545 | +19.2% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €48,799 | €59,344 | +€10,545 | +21.6% |
| Distributable reserves | 133 | €48,799 | €59,344 | +€10,545 | +21.6% |
| Amounts payable | 17/49 | €12,236 | €19,466 | +€7,230 | +59.1% |
| Amounts payable after more than one year | 17 | €932 | €73 | -€859 | -92.1% |
| Financial debts | 170/4 | €932 | €73 | -€859 | -92.1% |
| Amounts payable within one year | 42/48 | €10,304 | €18,393 | +€8,089 | +78.5% |
| Current portion of amounts payable after more than one year | 42 | €3,320 | €859 | -€2,461 | -74.1% |
| Financial debts | 43 | €225 | €2,470 | +€2,245 | +999.5% |
| Credit institutions | 430/8 | €225 | €2,470 | +€2,245 | +999.5% |
| Trade debts | 44 | €1,774 | €6,634 | +€4,860 | +274.0% |
| Suppliers | 440/4 | €1,774 | €6,634 | +€4,860 | +274.0% |
| Taxes, remuneration and social security | 45 | €1,355 | €1,986 | +€631 | +46.6% |
| Taxes | 450/3 | €1,355 | €1,986 | +€631 | +46.6% |
| Other amounts payable | 47/48 | €3,630 | €6,444 | +€2,814 | +77.5% |
| Accrued charges and deferred income | 492/3 | €1,000 | €1,000 | = | 0.0% |
| Non-recurring operating income | 76A | €5,994 | €0 | -€5,994 | -100.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,304 | €2,398 | +€94 | +4.1% |
| Other operating charges | 640/8 | €1,298 | €1,130 | -€168 | -12.9% |
| Non-recurring operating charges | 66A | €876 | €780 | -€96 | -11.0% |
| Gross operating margin | 9900 | €17,397 | €22,819 | +€5,422 | +31.2% |
| Operating profit (loss) | 9901 | €12,919 | €18,511 | +€5,592 | +43.3% |
| Financial income | 75/76B | €141 | €138 | -€3 | -1.8% |
| Recurring financial income | 75 | €141 | €138 | -€3 | -1.8% |
| Financial charges | 65/66B | €2,502 | €2,433 | -€69 | -2.8% |
| Recurring financial charges | 65 | €2,502 | €2,433 | -€69 | -2.8% |
| Non-recurring financial charges | 66B | €0 | - | = | |
| Profit (loss) for the period before taxes | 9903 | €10,558 | €16,217 | +€5,659 | +53.6% |
| Income taxes | 67/77 | €4,314 | €5,672 | +€1,358 | +31.5% |
| Profit (loss) for the period | 9904 | €6,244 | €10,545 | +€4,301 | +68.9% |
| Profit (loss) for the period to be appropriated | 9905 | €6,244 | €10,545 | +€4,301 | +68.9% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 7 October 2026 via checked.be.