Insurnity: 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.
Insurnity
Largest movements
- Intangible fixed assets +€73,926
up €73,926 (+103.5%), from €71,429 to €145,354
- Tangible fixed assets +€49,966
up €49,966, from €0 to €49,966
of which Leasing and similar rights: +€49,966
- Cash -€38,155
down €38,155 (-53.3%), from €71,534 to €33,379
mainly Investment in fixed assets (net) (-€151,114) and Trade debts (-€6,402)
- Reserves +€62,500
up €62,500 (+138.9%), from €45,000 to €107,500
- Debts after one year +€19,243
up €19,243 (+43.9%), from €43,802 to €63,045
- Current portion of long-term debt +€10,371
up €10,371 (+52.1%), from €19,917 to €30,289
- Trade debts -€6,402
down €6,402 (-74.6%), from €8,587 to €2,185
- Other debts +€2,520
up €2,520 (+51.6%), from €4,881 to €7,401
- Gross operating margin +€61,261
up €61,261 (+85.6%), from €71,601 to €132,862
- Taxes +€16,185
up €16,185 (+92.9%), from €17,422 to €33,607
- Depreciation +€12,667
up €12,667 (+87.0%), from €14,556 to €27,223
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 | €151,528 | €241,310 | +€89,782 | +59.3% |
| Fixed assets | 21/28 | €71,429 | €195,320 | +€123,892 | +173.4% |
| Intangible fixed assets | 21 | €71,429 | €145,354 | +€73,926 | +103.5% |
| Tangible fixed assets | 22/27 | €0 | €49,966 | +€49,966 | |
| Furniture and vehicles | 24 | €0 | €0 | = | |
| Leasing and similar rights | 25 | - | €49,966 | +€49,966 | |
| Current assets | 29/58 | €80,099 | €45,990 | -€34,109 | -42.6% |
| Amounts receivable within one year | 40/41 | €7,582 | €9,615 | +€2,033 | +26.8% |
| Trade receivables | 40 | €7,582 | €6,605 | -€976 | -12.9% |
| Other amounts receivable | 41 | - | €3,009 | +€3,009 | |
| Cash at bank and in hand | 54/58 | €71,534 | €33,379 | -€38,155 | -53.3% |
| Deferred charges and accrued income | 490/1 | €983 | €2,996 | +€2,013 | +204.7% |
| Total equity and liabilities | 10/49 | €151,528 | €241,310 | +€89,782 | +59.3% |
| Equity | 10/15 | €57,335 | €119,932 | +€62,597 | +109.2% |
| Contributions | 10/11 | €6,486 | €6,486 | = | 0.0% |
| Reserves | 13 | €45,000 | €107,500 | +€62,500 | +138.9% |
| Distributable reserves | 133 | €45,000 | €107,500 | +€62,500 | +138.9% |
| Profit (loss) carried forward | 14 | €5,849 | €5,946 | +€97 | +1.7% |
| Amounts payable | 17/49 | €94,192 | €121,377 | +€27,185 | +28.9% |
| Amounts payable after more than one year | 17 | €43,802 | €63,045 | +€19,243 | +43.9% |
| Financial debts | 170/4 | €43,802 | €63,045 | +€19,243 | +43.9% |
| Amounts payable within one year | 42/48 | €50,390 | €58,332 | +€7,942 | +15.8% |
| Current portion of amounts payable after more than one year | 42 | €19,917 | €30,289 | +€10,371 | +52.1% |
| Trade debts | 44 | €8,587 | €2,185 | -€6,402 | -74.6% |
| Suppliers | 440/4 | €8,587 | €2,185 | -€6,402 | -74.6% |
| Taxes, remuneration and social security | 45 | €17,005 | €18,457 | +€1,452 | +8.5% |
| Taxes | 450/3 | €17,005 | €18,457 | +€1,452 | +8.5% |
| Other amounts payable | 47/48 | €4,881 | €7,401 | +€2,520 | +51.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €14,556 | €27,223 | +€12,667 | +87.0% |
| Other operating charges | 640/8 | €1,266 | €1,093 | -€173 | -13.7% |
| Gross operating margin | 9900 | €71,601 | €132,862 | +€61,261 | +85.6% |
| Operating profit (loss) | 9901 | €55,779 | €104,546 | +€48,767 | +87.4% |
| Financial income | 75/76B | €41 | €43 | +€2 | +4.5% |
| Recurring financial income | 75 | €41 | €43 | +€2 | +4.5% |
| Financial charges | 65/66B | €2,684 | €2,385 | -€299 | -11.1% |
| Recurring financial charges | 65 | €2,684 | €2,385 | -€299 | -11.1% |
| Profit (loss) for the period before taxes | 9903 | €53,136 | €102,204 | +€49,068 | +92.3% |
| Income taxes | 67/77 | €17,422 | €33,607 | +€16,185 | +92.9% |
| Profit (loss) for the period | 9904 | €35,714 | €68,597 | +€32,883 | +92.1% |
| Profit (loss) for the period to be appropriated | 9905 | €35,714 | €68,597 | +€32,883 | +92.1% |
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 5 October 2026 via checked.be.