INSURIX: 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.
INSURIX
Largest movements
- Tangible fixed assets -€7,180
down €7,180 (-25.0%), from €28,720 to €21,540
- Cash +€6,433
up €6,433 (+90.9%), from €7,075 to €13,508
mainly Depreciation (+€7,180) and Receivables within one year (+€5,180)
- Receivables within one year -€5,180
down €5,180 (-82.9%), from €6,250 to €1,070
of which Trade receivables: -€6,250
- Debts after one year -€6,957
down €6,957 (-30.8%), from €22,554 to €15,597
- Reserves +€1,804
up €1,804 (+60.8%), from €2,970 to €4,774
- Accrued charges and deferred income -€1,080
down €1,080 (-100.0%), from €1,080 to €0
- Gross operating margin -€1,233
down €1,233 (-8.3%), from €14,819 to €13,586
- Other operating charges +€449
up €449 (+373.8%), from €120 to €569
- Taxes -€320
down €320 (-10.7%), from €3,000 to €2,680
- Financial charges -€197
down €197 (-12.7%), from €1,550 to €1,353
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 | €47,045 | €41,133 | -€5,912 | -12.6% |
| Fixed assets | 21/28 | €33,720 | €26,540 | -€7,180 | -21.3% |
| Tangible fixed assets | 22/27 | €28,720 | €21,540 | -€7,180 | -25.0% |
| Furniture and vehicles | 24 | €28,720 | €21,540 | -€7,180 | -25.0% |
| Financial fixed assets | 28 | €5,000 | €5,000 | = | 0.0% |
| Current assets | 29/58 | €13,325 | €14,593 | +€1,268 | +9.5% |
| Amounts receivable within one year | 40/41 | €6,250 | €1,070 | -€5,180 | -82.9% |
| Trade receivables | 40 | €6,250 | €0 | -€6,250 | -100.0% |
| Other amounts receivable | 41 | - | €1,070 | +€1,070 | |
| Cash at bank and in hand | 54/58 | €7,075 | €13,508 | +€6,433 | +90.9% |
| Deferred charges and accrued income | 490/1 | - | €15 | +€15 | |
| Total equity and liabilities | 10/49 | €47,045 | €41,133 | -€5,912 | -12.6% |
| Equity | 10/15 | €12,970 | €14,774 | +€1,804 | +13.9% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Reserves | 13 | €2,970 | €4,774 | +€1,804 | +60.8% |
| Distributable reserves | 133 | €2,970 | €4,774 | +€1,804 | +60.8% |
| Amounts payable | 17/49 | €34,075 | €26,359 | -€7,716 | -22.6% |
| Amounts payable after more than one year | 17 | €22,554 | €15,597 | -€6,957 | -30.8% |
| Financial debts | 170/4 | €22,554 | €15,597 | -€6,957 | -30.8% |
| Amounts payable within one year | 42/48 | €10,442 | €10,762 | +€320 | +3.1% |
| Current portion of amounts payable after more than one year | 42 | €6,635 | €6,957 | +€322 | +4.9% |
| Trade debts | 44 | €1,552 | €1,550 | -€2 | -0.1% |
| Suppliers | 440/4 | €1,552 | €1,550 | -€2 | -0.1% |
| Taxes, remuneration and social security | 45 | €2,255 | €2,255 | = | 0.0% |
| Remuneration and social security | 454/9 | €2,255 | €2,255 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | €1,080 | €0 | -€1,080 | -100.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €7,180 | €7,180 | = | 0.0% |
| Other operating charges | 640/8 | €120 | €569 | +€449 | +373.8% |
| Gross operating margin | 9900 | €14,819 | €13,586 | -€1,233 | -8.3% |
| Operating profit (loss) | 9901 | €7,519 | €5,837 | -€1,682 | -22.4% |
| Financial charges | 65/66B | €1,550 | €1,353 | -€197 | -12.7% |
| Recurring financial charges | 65 | €1,550 | €1,353 | -€197 | -12.7% |
| Profit (loss) for the period before taxes | 9903 | €5,970 | €4,485 | -€1,485 | -24.9% |
| Income taxes | 67/77 | €3,000 | €2,680 | -€320 | -10.7% |
| Profit (loss) for the period | 9904 | €2,970 | €1,804 | -€1,165 | -39.2% |
| Profit (loss) for the period to be appropriated | 9905 | €2,970 | €1,804 | -€1,165 | -39.2% |
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 11 October 2026 via checked.be.