INSURITY: 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.
INSURITY
Largest movements
- Cash -€28,065
down €28,065 (-34.0%), from €82,535 to €54,470
mainly Current investments (-€16,196) and Contributions, distributions and other (-€5,721)
- Current investments +€16,196
up €16,196 (+11.4%), from €142,068 to €158,264
- Reserves -€8,506
down €8,506 (-3.9%), from €219,107 to €210,601
of which Distributable reserves: -€8,506
- Other debts -€3,363
down €3,363 (-37.9%), from €8,868 to €5,505
- Financial income +€8,196
up €8,196 (+727.2%), from €1,127 to €9,323
of which Financial income: +€4,361
- Gross operating margin -€6,206
down €6,206 (-150.7%), from -€4,117 to -€10,323
- Purchases and services +€3,551
up €3,551 (+16.1%), from €22,027 to €25,578
- Other operating charges -€3,382
no longer reported in 2025 (was €3,382)
- Turnover -€2,726
down €2,726 (-19.3%), from €14,146 to €11,420
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 | €226,919 | €214,501 | -€12,418 | -5.5% |
| Fixed assets | 21/28 | €517 | €53 | -€464 | -89.7% |
| Tangible fixed assets | 22/27 | €517 | €53 | -€464 | -89.7% |
| Furniture and vehicles | 24 | €517 | €53 | -€464 | -89.7% |
| Current assets | 29/58 | €226,402 | €214,448 | -€11,954 | -5.3% |
| Amounts receivable within one year | 40/41 | - | €1,440 | +€1,440 | |
| Trade receivables | 40 | - | €1,373 | +€1,373 | |
| Other amounts receivable | 41 | - | €67 | +€67 | |
| Current investments | 50/53 | €142,068 | €158,264 | +€16,196 | +11.4% |
| Cash at bank and in hand | 54/58 | €82,535 | €54,470 | -€28,065 | -34.0% |
| Deferred charges and accrued income | 490/1 | €1,799 | €274 | -€1,525 | -84.8% |
| Total equity and liabilities | 10/49 | €226,919 | €214,501 | -€12,418 | -5.5% |
| Equity | 10/15 | €216,799 | €208,878 | -€7,921 | -3.7% |
| Contributions | 10/11 | €6,197 | €6,197 | = | 0.0% |
| Capital | 10 | €6,197 | €6,197 | = | 0.0% |
| Issued capital | 100 | €18,592 | €18,592 | = | 0.0% |
| Uncalled capital | 101 | €12,395 | €12,395 | = | 0.0% |
| Reserves | 13 | €219,107 | €210,601 | -€8,506 | -3.9% |
| Non-distributable reserves | 130/1 | €1,859 | €1,859 | = | 0.0% |
| Legal reserve | 130 | €1,859 | €1,859 | = | 0.0% |
| Distributable reserves | 133 | €217,248 | €208,742 | -€8,506 | -3.9% |
| Profit (loss) carried forward | 14 | -€8,505 | -€7,920 | +€585 | +6.9% |
| Amounts payable | 17/49 | €10,120 | €5,623 | -€4,497 | -44.4% |
| Amounts payable within one year | 42/48 | €10,120 | €5,623 | -€4,497 | -44.4% |
| Trade debts | 44 | €848 | - | -€848 | |
| Suppliers | 440/4 | €848 | - | -€848 | |
| Taxes, remuneration and social security | 45 | €404 | €118 | -€286 | -70.8% |
| Taxes | 450/3 | €404 | €118 | -€286 | -70.8% |
| Other amounts payable | 47/48 | €8,868 | €5,505 | -€3,363 | -37.9% |
| Turnover | 70 | €14,146 | €11,420 | -€2,726 | -19.3% |
| Non-recurring operating income | 76A | €3,764 | €3,835 | +€71 | +1.9% |
| Goods, raw materials, services and sundry goods | 60/61 | €22,027 | €25,578 | +€3,551 | +16.1% |
| Remuneration, social security and pensions | 62 | €53 | - | -€53 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €517 | €570 | +€53 | +10.3% |
| Other operating charges | 640/8 | €3,382 | - | -€3,382 | |
| Gross operating margin | 9900 | -€4,117 | -€10,323 | -€6,206 | -150.7% |
| Operating profit (loss) | 9901 | -€8,069 | -€10,893 | -€2,824 | -35.0% |
| Financial income | 75/76B | €1,127 | €9,323 | +€8,196 | +727.2% |
| Recurring financial income | 75 | €1,127 | €5,488 | +€4,361 | +387.0% |
| Non-recurring financial income | 76B | - | €3,835 | +€3,835 | |
| Financial charges | 65/66B | €652 | - | -€652 | |
| Recurring financial charges | 65 | €652 | - | -€652 | |
| Profit (loss) for the period before taxes | 9903 | -€7,594 | -€1,570 | +€6,024 | +79.3% |
| Income taxes | 67/77 | €911 | €630 | -€281 | -30.8% |
| Profit (loss) for the period | 9904 | -€8,505 | -€2,200 | +€6,305 | +74.1% |
| Profit (loss) for the period to be appropriated | 9905 | -€8,505 | -€2,200 | +€6,305 | +74.1% |
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 30 September 2026 via checked.be.