Laevers Verzekeringen: 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.
Laevers Verzekeringen
Largest movements
- Current investments -€1.9m
down €1.9m (-31.7%), from €6.0m to €4.1m
- Receivables after one year +€1.9m
new in 2025: €1.9m
- Receivables within one year +€385,294
up €385,294 (+367%), from €105,000 to €490,294
of which Other amounts receivable: +€490,294
- Cash -€166,554
down €166,554 (-83.5%), from €199,448 to €32,894
mainly Receivables after one year (-€1.9m) and Receivables within one year (-€385,294)
- Reserves +€164,770
up €164,770 (+3.0%), from €5.6m to €5.7m
- Gross operating margin -€7.5m
down €7.5m (-98.1%), from €7.6m to €144,056
- Taxes -€2.4m
down €2.4m (-96.9%), from €2.4m to €76,949
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.
Derived cash bridge
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 | €6,312,389 | €6,479,118 | +€166,729 | +2.6% |
| Current assets | 29/58 | €6,312,389 | €6,479,118 | +€166,729 | +2.6% |
| Amounts receivable after more than one year | 29 | - | €1,855,930 | +€1.9m | |
| Other amounts receivable | 291 | - | €1,855,930 | +€1.9m | |
| Amounts receivable within one year | 40/41 | €105,000 | €490,294 | +€385,294 | +367% |
| Trade receivables | 40 | €105,000 | - | -€105,000 | |
| Other amounts receivable | 41 | - | €490,294 | +€490,294 | |
| Current investments | 50/53 | €6,000,000 | €4,100,000 | -€1.9m | -31.7% |
| Cash at bank and in hand | 54/58 | €199,448 | €32,894 | -€166,554 | -83.5% |
| Deferred charges and accrued income | 490/1 | €7,941 | - | -€7,941 | |
| Total equity and liabilities | 10/49 | €6,312,389 | €6,479,118 | +€166,729 | +2.6% |
| Equity | 10/15 | €5,564,775 | €5,729,546 | +€164,770 | +3.0% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €5,559,775 | €5,724,546 | +€164,770 | +3.0% |
| Distributable reserves | 133 | €5,559,775 | €5,724,546 | +€164,770 | +3.0% |
| Amounts payable | 17/49 | €747,614 | €749,572 | +€1,958 | +0.3% |
| Amounts payable within one year | 42/48 | €747,614 | €749,572 | +€1,958 | +0.3% |
| Trade debts | 44 | - | €1,074 | +€1,074 | |
| Suppliers | 440/4 | - | €1,074 | +€1,074 | |
| Taxes, remuneration and social security | 45 | €715,467 | €748,498 | +€33,030 | +4.6% |
| Taxes | 450/3 | €715,467 | €748,498 | +€33,030 | +4.6% |
| Other amounts payable | 47/48 | €32,147 | - | -€32,147 | |
| Non-recurring operating income | 76A | €7,641,801 | - | -€7.6m | |
| Other operating charges | 640/8 | €387 | €998 | +€611 | +158% |
| Non-recurring operating charges | 66A | €45,844 | - | -€45,844 | |
| Gross operating margin | 9900 | €7,631,370 | €144,056 | -€7.5m | -98.1% |
| Operating profit (loss) | 9901 | €7,585,138 | €143,057 | -€7.4m | -98.1% |
| Financial income | 75/76B | €107,514 | €100,726 | -€6,788 | -6.3% |
| Recurring financial income | 75 | €107,514 | €100,726 | -€6,788 | -6.3% |
| Financial charges | 65/66B | €23 | €2,064 | +€2,041 | +9,071% |
| Recurring financial charges | 65 | €23 | €2,064 | +€2,041 | +9,071% |
| Profit (loss) for the period before taxes | 9903 | €7,692,630 | €241,719 | -€7.5m | -96.9% |
| Income taxes | 67/77 | €2,447,721 | €76,949 | -€2.4m | -96.9% |
| Profit (loss) for the period | 9904 | €5,244,909 | €164,770 | -€5.1m | -96.9% |
| Profit (loss) for the period to be appropriated | 9905 | €5,244,909 | €164,770 | -€5.1m | -96.9% |
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 30 October 2026 via checked.be.