MYINSUR: 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.
MYINSUR
Largest movements
- Intangible fixed assets -€13,000
down €13,000 (-48.8%), from €26,640 to €13,640
- Cash +€7,812
up €7,812 (+8.8%), from €89,075 to €96,886
mainly Accrued charges and deferred income (+€48,495) and Depreciation (+€13,312)
- Deferred charges and accrued income -€7,437
down €7,437 (-23.1%), from €32,216 to €24,779
- Accrued charges and deferred income +€48,495
up €48,495 (+9,598%), from €505 to €49,000
- Other debts -€33,000
no longer reported in 2025 (was €33,000)
- Debts after one year -€15,636
down €15,636 (-20.4%), from €76,460 to €60,824
- Tax, wage and social debts -€11,391
down €11,391 (-71.8%), from €15,873 to €4,483
of which Taxes: -€12,503
- Trade debts -€1,909
no longer reported in 2025 (was €1,909)
- Gross operating margin -€55,488
down €55,488 (-60.1%), from €92,328 to €36,839
- Taxes -€20,910
down €20,910, from €11,609 to -€9,302
- Staff costs +€19,278
up €19,278 (+174%), from €11,079 to €30,357
- Depreciation -€17,698
down €17,698 (-57.1%), from €31,009 to €13,312
- Financial charges -€2,863
down €2,863 (-58.2%), from €4,920 to €2,058
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 | €149,479 | €136,779 | -€12,700 | -8.5% |
| Fixed assets | 21/28 | €28,189 | €14,877 | -€13,312 | -47.2% |
| Intangible fixed assets | 21 | €26,640 | €13,640 | -€13,000 | -48.8% |
| Tangible fixed assets | 22/27 | €1,549 | €1,237 | -€312 | -20.1% |
| Furniture and vehicles | 24 | €1,549 | €1,237 | -€312 | -20.1% |
| Current assets | 29/58 | €121,290 | €121,901 | +€611 | +0.5% |
| Amounts receivable within one year | 40/41 | - | €236 | +€236 | |
| Other amounts receivable | 41 | - | €236 | +€236 | |
| Cash at bank and in hand | 54/58 | €89,075 | €96,886 | +€7,812 | +8.8% |
| Deferred charges and accrued income | 490/1 | €32,216 | €24,779 | -€7,437 | -23.1% |
| Total equity and liabilities | 10/49 | €149,479 | €136,779 | -€12,700 | -8.5% |
| Equity | 10/15 | €6,421 | €6,836 | +€415 | +6.5% |
| Contributions | 10/11 | €6,300 | €6,300 | = | 0.0% |
| Profit (loss) carried forward | 14 | €121 | €536 | +€415 | +343% |
| Amounts payable | 17/49 | €143,058 | €129,943 | -€13,115 | -9.2% |
| Amounts payable after more than one year | 17 | €76,460 | €60,824 | -€15,636 | -20.4% |
| Financial debts | 170/4 | €76,460 | €60,824 | -€15,636 | -20.4% |
| Amounts payable within one year | 42/48 | €66,093 | €20,119 | -€45,974 | -69.6% |
| Current portion of amounts payable after more than one year | 42 | €15,310 | €15,636 | +€326 | +2.1% |
| Trade debts | 44 | €1,909 | - | -€1,909 | |
| Suppliers | 440/4 | €1,909 | - | -€1,909 | |
| Taxes, remuneration and social security | 45 | €15,873 | €4,483 | -€11,391 | -71.8% |
| Taxes | 450/3 | €14,851 | €2,348 | -€12,503 | -84.2% |
| Remuneration and social security | 454/9 | €1,022 | €2,135 | +€1,112 | +109% |
| Other amounts payable | 47/48 | €33,000 | - | -€33,000 | |
| Accrued charges and deferred income | 492/3 | €505 | €49,000 | +€48,495 | +9,598% |
| Remuneration, social security and pensions | 62 | €11,079 | €30,357 | +€19,278 | +174% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €31,009 | €13,312 | -€17,698 | -57.1% |
| Other operating charges | 640/8 | €1,874 | - | -€1,874 | |
| Gross operating margin | 9900 | €92,328 | €36,839 | -€55,488 | -60.1% |
| Operating profit (loss) | 9901 | €48,364 | -€6,829 | -€55,194 | |
| Financial income | 75/76B | €299 | - | -€299 | |
| Recurring financial income | 75 | €299 | - | -€299 | |
| Financial charges | 65/66B | €4,920 | €2,058 | -€2,863 | -58.2% |
| Recurring financial charges | 65 | €4,920 | €2,058 | -€2,863 | -58.2% |
| Profit (loss) for the period before taxes | 9903 | €43,744 | -€8,887 | -€52,631 | |
| Income taxes | 67/77 | €11,609 | -€9,302 | -€20,910 | |
| Profit (loss) for the period | 9904 | €32,135 | €415 | -€31,720 | -98.7% |
| Profit (loss) for the period to be appropriated | 9905 | €32,135 | €415 | -€31,720 | -98.7% |
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 21 October 2026 via checked.be.