Monza 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.
Monza Verzekeringen
Largest movements
- Tangible fixed assets -€6,024
down €6,024 (-38.0%), from €15,833 to €9,809
- Cash -€2,099
down €2,099 (-27.3%), from €7,679 to €5,581
mainly Investment in fixed assets (net) (-€6,645) and Other debts (-€5,737)
- Deferred charges and accrued income +€1,204
up €1,204 (+14.8%), from €8,162 to €9,367
- Other debts -€5,737
down €5,737 (-48.4%), from €11,853 to €6,116
- Trade debts -€1,002
down €1,002 (-31.7%), from €3,160 to €2,159
- Gross operating margin +€6,981
up €6,981 (+58.2%), from €11,995 to €18,976
- Depreciation +€1,669
up €1,669 (+15.2%), from €11,000 to €12,669
- Taxes +€1,287
up €1,287 (+236%), from €545 to €1,832
- Other operating charges +€373
up €373 (+85.3%), from €437 to €810
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 | €31,675 | €24,924 | -€6,751 | -21.3% |
| Fixed assets | 21/28 | €15,833 | €9,809 | -€6,024 | -38.0% |
| Tangible fixed assets | 22/27 | €15,833 | €9,809 | -€6,024 | -38.0% |
| Furniture and vehicles | 24 | €15,833 | €9,809 | -€6,024 | -38.0% |
| Current assets | 29/58 | €15,842 | €15,115 | -€726 | -4.6% |
| Amounts receivable within one year | 40/41 | - | €168 | +€168 | |
| Other amounts receivable | 41 | - | €168 | +€168 | |
| Cash at bank and in hand | 54/58 | €7,679 | €5,581 | -€2,099 | -27.3% |
| Deferred charges and accrued income | 490/1 | €8,162 | €9,367 | +€1,204 | +14.8% |
| Total equity and liabilities | 10/49 | €31,675 | €24,924 | -€6,751 | -21.3% |
| Equity | 10/15 | €16,117 | €16,104 | -€12 | -0.1% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €11,104 | €11,104 | = | 0.0% |
| Distributable reserves | 133 | €11,104 | €11,104 | = | 0.0% |
| Profit (loss) carried forward | 14 | €12 | - | -€12 | |
| Amounts payable | 17/49 | €15,558 | €8,820 | -€6,738 | -43.3% |
| Amounts payable within one year | 42/48 | €15,558 | €8,820 | -€6,738 | -43.3% |
| Trade debts | 44 | €3,160 | €2,159 | -€1,002 | -31.7% |
| Suppliers | 440/4 | €3,160 | €2,159 | -€1,002 | -31.7% |
| Taxes, remuneration and social security | 45 | €545 | €545 | = | 0.0% |
| Taxes | 450/3 | €545 | €545 | = | 0.0% |
| Other amounts payable | 47/48 | €11,853 | €6,116 | -€5,737 | -48.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €11,000 | €12,669 | +€1,669 | +15.2% |
| Other operating charges | 640/8 | €437 | €810 | +€373 | +85.3% |
| Gross operating margin | 9900 | €11,995 | €18,976 | +€6,981 | +58.2% |
| Operating profit (loss) | 9901 | €557 | €5,497 | +€4,939 | +886% |
| Financial income | 75/76B | - | €1 | +€1 | |
| Recurring financial income | 75 | - | €1 | +€1 | |
| Profit (loss) for the period before taxes | 9903 | €557 | €5,498 | +€4,940 | +886% |
| Income taxes | 67/77 | €545 | €1,832 | +€1,287 | +236% |
| Profit (loss) for the period | 9904 | €12 | €3,666 | +€3,653 | +29,727% |
| Profit (loss) for the period to be appropriated | 9905 | €12 | €3,666 | +€3,653 | +29,727% |
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 1 November 2026 via checked.be.