Li Tore Assurances: 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.
Li Tore Assurances
Largest movements
- Cash +€4,756
up €4,756 (+5.5%), from €86,397 to €91,153
mainly Net result for the year (+€16,396) and Depreciation (+€995)
- Receivables within one year +€3,020
up €3,020 (+1,737%), from €174 to €3,194
of which Other amounts receivable: +€3,194
- Reserves +€16,396
up €16,396 (+23.8%), from €68,967 to €85,363
- Tax, wage and social debts -€4,520
down €4,520 (-100%), from €4,520 to €0
of which Taxes: -€4,010
- Trade debts -€3,306
down €3,306 (-29.3%), from €11,283 to €7,977
- Gross operating margin -€17,741
down €17,741 (-40.7%), from €43,610 to €25,869
- Taxes -€8,204
down €8,204 (-63.1%), from €13,010 to €4,806
- Depreciation +€636
up €636 (+177%), from €359 to €995
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 | €88,770 | €97,340 | +€8,570 | +9.7% |
| Fixed assets | 21/28 | €2,199 | €2,450 | +€250 | +11.4% |
| Tangible fixed assets | 22/27 | €1,994 | €2,245 | +€250 | +12.6% |
| Furniture and vehicles | 24 | €1,994 | €2,245 | +€250 | +12.6% |
| Financial fixed assets | 28 | €205 | €205 | = | 0.0% |
| Current assets | 29/58 | €86,571 | €94,890 | +€8,320 | +9.6% |
| Amounts receivable within one year | 40/41 | €174 | €3,194 | +€3,020 | +1,737% |
| Trade receivables | 40 | €174 | €0 | -€174 | -100% |
| Other amounts receivable | 41 | €0 | €3,194 | +€3,194 | |
| Cash at bank and in hand | 54/58 | €86,397 | €91,153 | +€4,756 | +5.5% |
| Deferred charges and accrued income | 490/1 | - | €543 | +€543 | |
| Total equity and liabilities | 10/49 | €88,770 | €97,340 | +€8,570 | +9.7% |
| Equity | 10/15 | €72,967 | €89,363 | +€16,396 | +22.5% |
| Contributions | 10/11 | €4,000 | €4,000 | = | 0.0% |
| Reserves | 13 | €68,967 | €85,363 | +€16,396 | +23.8% |
| Distributable reserves | 133 | €68,967 | €85,363 | +€16,396 | +23.8% |
| Amounts payable | 17/49 | €15,803 | €7,977 | -€7,826 | -49.5% |
| Amounts payable within one year | 42/48 | €15,803 | €7,977 | -€7,826 | -49.5% |
| Trade debts | 44 | €11,283 | €7,977 | -€3,306 | -29.3% |
| Suppliers | 440/4 | €11,283 | €7,977 | -€3,306 | -29.3% |
| Taxes, remuneration and social security | 45 | €4,520 | €0 | -€4,520 | -100% |
| Taxes | 450/3 | €4,010 | €0 | -€4,010 | -100% |
| Remuneration and social security | 454/9 | €510 | €0 | -€510 | -100% |
| Remuneration, social security and pensions | 62 | €3,559 | €3,142 | -€417 | -11.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €359 | €995 | +€636 | +177% |
| Other operating charges | 640/8 | €220 | €440 | +€220 | +100% |
| Gross operating margin | 9900 | €43,610 | €25,869 | -€17,741 | -40.7% |
| Operating profit (loss) | 9901 | €39,472 | €21,292 | -€18,180 | -46.1% |
| Financial charges | 65/66B | €86 | €90 | +€5 | +5.3% |
| Recurring financial charges | 65 | €86 | €90 | +€5 | +5.3% |
| Profit (loss) for the period before taxes | 9903 | €39,386 | €21,202 | -€18,184 | -46.2% |
| Income taxes | 67/77 | €13,010 | €4,806 | -€8,204 | -63.1% |
| Profit (loss) for the period | 9904 | €26,376 | €16,396 | -€9,980 | -37.8% |
| Profit (loss) for the period to be appropriated | 9905 | €26,376 | €16,396 | -€9,980 | -37.8% |
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 31 October 2026 via checked.be.