MN 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.
MN Assurances
Largest movements
- Receivables within one year +€39,664
up €39,664 (+39.7%), from €99,873 to €139,537
- Intangible fixed assets -€19,200
down €19,200 (-12.5%), from €153,600 to €134,400
- Tangible fixed assets -€6,080
down €6,080 (-39.0%), from €15,577 to €9,497
- Tax, wage and social debts -€12,052
down €12,052 (-35.7%), from €33,754 to €21,702
of which Taxes: -€12,052
- Debts after one year +€10,795
up €10,795 (+11.1%), from €97,102 to €107,897
- Profit (loss) carried forward +€8,855
up €8,855 (+7.1%), from €124,754 to €133,609
- Current portion of long-term debt +€6,937
up €6,937 (+29.9%), from €23,205 to €30,142
- Other operating charges +€2,815
up €2,815 (+152.3%), from €1,848 to €4,662
- Gross operating margin +€1,752
up €1,752 (+2.1%), from €84,046 to €85,797
- Taxes -€1,307
down €1,307 (-11.1%), from €11,805 to €10,498
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 | €285,207 | €299,567 | +€14,360 | +5.0% |
| Fixed assets | 21/28 | €169,177 | €143,897 | -€25,280 | -14.9% |
| Intangible fixed assets | 21 | €153,600 | €134,400 | -€19,200 | -12.5% |
| Tangible fixed assets | 22/27 | €15,577 | €9,497 | -€6,080 | -39.0% |
| Furniture and vehicles | 24 | €15,577 | €9,497 | -€6,080 | -39.0% |
| Current assets | 29/58 | €116,030 | €155,670 | +€39,640 | +34.2% |
| Amounts receivable within one year | 40/41 | €99,873 | €139,537 | +€39,664 | +39.7% |
| Other amounts receivable | 41 | €99,873 | €139,537 | +€39,664 | +39.7% |
| Cash at bank and in hand | 54/58 | €15,590 | €16,133 | +€543 | +3.5% |
| Deferred charges and accrued income | 490/1 | €567 | €0 | -€567 | -100.0% |
| Total equity and liabilities | 10/49 | €285,207 | €299,567 | +€14,360 | +5.0% |
| Equity | 10/15 | €130,754 | €139,609 | +€8,855 | +6.8% |
| Contributions | 10/11 | €6,000 | €6,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €124,754 | €133,609 | +€8,855 | +7.1% |
| Amounts payable | 17/49 | €154,453 | €159,958 | +€5,505 | +3.6% |
| Amounts payable after more than one year | 17 | €97,102 | €107,897 | +€10,795 | +11.1% |
| Financial debts | 170/4 | €97,102 | €107,897 | +€10,795 | +11.1% |
| Amounts payable within one year | 42/48 | €57,351 | €52,062 | -€5,290 | -9.2% |
| Current portion of amounts payable after more than one year | 42 | €23,205 | €30,142 | +€6,937 | +29.9% |
| Trade debts | 44 | €392 | €218 | -€175 | -44.5% |
| Suppliers | 440/4 | €392 | €218 | -€175 | -44.5% |
| Taxes, remuneration and social security | 45 | €33,754 | €21,702 | -€12,052 | -35.7% |
| Taxes | 450/3 | €31,554 | €19,502 | -€12,052 | -38.2% |
| Remuneration and social security | 454/9 | €2,199 | €2,199 | = | 0.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €26,065 | €25,229 | -€837 | -3.2% |
| Other operating charges | 640/8 | €1,848 | €4,662 | +€2,815 | +152.3% |
| Gross operating margin | 9900 | €84,046 | €85,797 | +€1,752 | +2.1% |
| Operating profit (loss) | 9901 | €56,132 | €55,906 | -€226 | -0.4% |
| Financial income | 75/76B | €1 | - | -€1 | |
| Recurring financial income | 75 | €1 | - | -€1 | |
| Financial charges | 65/66B | €5,977 | €6,554 | +€577 | +9.6% |
| Recurring financial charges | 65 | €5,977 | €6,554 | +€577 | +9.6% |
| Profit (loss) for the period before taxes | 9903 | €50,156 | €49,353 | -€804 | -1.6% |
| Income taxes | 67/77 | €11,805 | €10,498 | -€1,307 | -11.1% |
| Profit (loss) for the period | 9904 | €38,352 | €38,855 | +€503 | +1.3% |
| Profit (loss) for the period to be appropriated | 9905 | €38,352 | €38,855 | +€503 | +1.3% |
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 12 October 2026 via checked.be.