MyAssurance.be: what changed
MyAssurance.be
Largest movements
- Cash -€83,109
down €83,109 (-38.3%), from €216,857 to €133,747
mainly Contributions, distributions and other (-€300,000) and Current investments (-€75,000)
- Current investments +€75,000
up €75,000 (+60.0%), from €125,000 to €200,000
- Intangible fixed assets -€35,714
down €35,714 (-20.0%), from €178,571 to €142,857
- Receivables within one year +€9,639
new in 2025: €9,639
- Profit (loss) carried forward -€162,532
down €162,532 (-85.2%), from €190,710 to €28,178
- Other debts +€149,947
up €149,947 (+99.8%), from €150,294 to €300,240
- Debts after one year -€28,374
down €28,374 (-22.9%), from €123,685 to €95,311
- Trade debts +€8,042
up €8,042 (+286%), from €2,808 to €10,851
- Gross operating margin +€26,572
up €26,572 (+7.7%), from €343,495 to €370,067
- Staff costs +€10,022
up €10,022 (+7.3%), from €137,380 to €147,402
- Taxes +€5,138
up €5,138 (+12.1%), from €42,351 to €47,489
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €522,932 | €488,426 | -€34,506 | -6.6% |
| Fixed assets | 21/28 | €179,456 | €143,018 | -€36,438 | -20.3% |
| Intangible fixed assets | 21 | €178,571 | €142,857 | -€35,714 | -20.0% |
| Tangible fixed assets | 22/27 | €885 | €161 | -€724 | -81.8% |
| Furniture and vehicles | 24 | €885 | €161 | -€724 | -81.8% |
| Current assets | 29/58 | €343,476 | €345,408 | +€1,932 | +0.6% |
| Amounts receivable within one year | 40/41 | - | €9,639 | +€9,639 | |
| Other amounts receivable | 41 | - | €9,639 | +€9,639 | |
| Current investments | 50/53 | €125,000 | €200,000 | +€75,000 | +60.0% |
| Cash at bank and in hand | 54/58 | €216,857 | €133,747 | -€83,109 | -38.3% |
| Deferred charges and accrued income | 490/1 | €1,619 | €2,022 | +€403 | +24.9% |
| Total equity and liabilities | 10/49 | €522,932 | €488,426 | -€34,506 | -6.6% |
| Equity | 10/15 | €198,770 | €36,238 | -€162,532 | -81.8% |
| Contributions | 10/11 | €8,060 | €8,060 | = | 0.0% |
| Profit (loss) carried forward | 14 | €190,710 | €28,178 | -€162,532 | -85.2% |
| Amounts payable | 17/49 | €324,162 | €452,187 | +€128,026 | +39.5% |
| Amounts payable after more than one year | 17 | €123,685 | €95,311 | -€28,374 | -22.9% |
| Financial debts | 170/4 | €123,685 | €95,311 | -€28,374 | -22.9% |
| Amounts payable within one year | 42/48 | €200,477 | €356,877 | +€156,400 | +78.0% |
| Current portion of amounts payable after more than one year | 42 | €27,216 | €28,374 | +€1,158 | +4.3% |
| Trade debts | 44 | €2,808 | €10,851 | +€8,042 | +286% |
| Suppliers | 440/4 | €2,808 | €10,851 | +€8,042 | +286% |
| Taxes, remuneration and social security | 45 | €20,159 | €17,412 | -€2,747 | -13.6% |
| Taxes | 450/3 | €2,268 | - | -€2,268 | |
| Remuneration and social security | 454/9 | €17,890 | €17,412 | -€478 | -2.7% |
| Other amounts payable | 47/48 | €150,294 | €300,240 | +€149,947 | +99.8% |
| Remuneration, social security and pensions | 62 | €137,380 | €147,402 | +€10,022 | +7.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €37,667 | €36,438 | -€1,228 | -3.3% |
| Other operating charges | 640/8 | €692 | €1,075 | +€383 | +55.4% |
| Gross operating margin | 9900 | €343,495 | €370,067 | +€26,572 | +7.7% |
| Operating profit (loss) | 9901 | €167,757 | €185,152 | +€17,395 | +10.4% |
| Financial income | 75/76B | €3,153 | €5,749 | +€2,596 | +82.3% |
| Recurring financial income | 75 | €3,153 | €5,749 | +€2,596 | +82.3% |
| Financial charges | 65/66B | €7,105 | €5,943 | -€1,162 | -16.3% |
| Recurring financial charges | 65 | €7,105 | €5,943 | -€1,162 | -16.3% |
| Profit (loss) for the period before taxes | 9903 | €163,805 | €184,957 | +€21,153 | +12.9% |
| Income taxes | 67/77 | €42,351 | €47,489 | +€5,138 | +12.1% |
| Profit (loss) for the period | 9904 | €121,454 | €137,468 | +€16,014 | +13.2% |
| Profit (loss) for the period to be appropriated | 9905 | €121,454 | €137,468 | +€16,014 | +13.2% |
Next steps
Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 8 November 2026 via checked.be.