ML INSURANCE: 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.
ML INSURANCE
Largest movements
- Cash +€1,154
up €1,154 (+2,272%), from €51 to €1,204
mainly Other debts (+€3,462) and Receivables within one year (+€238)
- Receivables within one year -€238
down €238 (-28.5%), from €836 to €598
- Other debts +€3,462
up €3,462 (+42.8%), from €8,092 to €11,554
- Tax, wage and social debts -€1,112
no longer reported in 2025 (was €1,112)
- Profit (loss) carried forward -€1,100
down €1,100 (-6.2%), from -€17,813 to -€18,912
- Trade debts -€335
down €335 (-4.5%), from €7,496 to €7,161
- Purchases and services +€3,958
up €3,958 (+68.4%), from €5,784 to €9,741
- Turnover +€2,849
up €2,849 (+47.6%), from €5,986 to €8,835
- Gross operating margin -€1,109
down €1,109, from €202 to -€907
- Financial charges +€93
up €93 (+151%), from €61 to €154
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 | €887 | €1,802 | +€915 | +103% |
| Current assets | 29/58 | €887 | €1,802 | +€915 | +103% |
| Amounts receivable within one year | 40/41 | €836 | €598 | -€238 | -28.5% |
| Trade receivables | 40 | €836 | €598 | -€238 | -28.5% |
| Cash at bank and in hand | 54/58 | €51 | €1,204 | +€1,154 | +2,272% |
| Total equity and liabilities | 10/49 | €887 | €1,802 | +€915 | +103% |
| Equity | 10/15 | -€15,813 | -€16,912 | -€1,100 | -7.0% |
| Contributions | 10/11 | €2,000 | €2,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€17,813 | -€18,912 | -€1,100 | -6.2% |
| Amounts payable | 17/49 | €16,700 | €18,715 | +€2,015 | +12.1% |
| Amounts payable within one year | 42/48 | €16,700 | €18,715 | +€2,015 | +12.1% |
| Trade debts | 44 | €7,496 | €7,161 | -€335 | -4.5% |
| Suppliers | 440/4 | €7,496 | €7,161 | -€335 | -4.5% |
| Taxes, remuneration and social security | 45 | €1,112 | - | -€1,112 | |
| Remuneration and social security | 454/9 | €1,112 | - | -€1,112 | |
| Other amounts payable | 47/48 | €8,092 | €11,554 | +€3,462 | +42.8% |
| Turnover | 70 | €5,986 | €8,835 | +€2,849 | +47.6% |
| Goods, raw materials, services and sundry goods | 60/61 | €5,784 | €9,741 | +€3,958 | +68.4% |
| Other operating charges | 640/8 | €16 | €39 | +€23 | +141% |
| Gross operating margin | 9900 | €202 | -€907 | -€1,109 | |
| Operating profit (loss) | 9901 | €186 | -€946 | -€1,132 | |
| Financial charges | 65/66B | €61 | €154 | +€93 | +151% |
| Recurring financial charges | 65 | €61 | €154 | +€93 | +151% |
| Profit (loss) for the period before taxes | 9903 | €125 | -€1,100 | -€1,224 | |
| Profit (loss) for the period | 9904 | €125 | -€1,100 | -€1,224 | |
| Profit (loss) for the period to be appropriated | 9905 | €125 | -€1,100 | -€1,224 |
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 22 October 2026 via checked.be.