Oxalis 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.
Oxalis Assurances
Largest movements
- Receivables within one year +€109,940
up €109,940 (+104%), from €105,517 to €215,457
of which Other amounts receivable: +€109,519
- Intangible fixed assets -€32,809
down €32,809 (-19.9%), from €164,591 to €131,782
- Cash +€11,667
up €11,667 (+23.6%), from €49,384 to €61,050
mainly Other debts (+€105,036) and Net result for the year (+€50,320)
- Other debts +€105,036
new in 2025: €105,036
- Profit (loss) carried forward -€54,514
down €54,514 (-56.4%), from €96,641 to €42,127
- Tax, wage and social debts +€48,181
up €48,181 (+219%), from €22,029 to €70,210
of which Taxes: +€32,114
- Debts after one year -€5,830
down €5,830 (-100%), from €5,830 to €0
- Gross operating margin +€55,590
up €55,590 (+17.2%), from €323,058 to €378,649
- Staff costs +€31,049
up €31,049 (+13.7%), from €226,895 to €257,944
- Taxes +€10,037
up €10,037 (+80.3%), from €12,505 to €22,542
- Depreciation -€4,090
down €4,090 (-8.4%), from €48,797 to €44,707
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 | €360,182 | €455,403 | +€95,221 | +26.4% |
| Fixed assets | 21/28 | €201,800 | €172,978 | -€28,823 | -14.3% |
| Intangible fixed assets | 21 | €164,591 | €131,782 | -€32,809 | -19.9% |
| Tangible fixed assets | 22/27 | €37,049 | €41,035 | +€3,986 | +10.8% |
| Plant, machinery and equipment | 23 | €5,336 | €8,660 | +€3,325 | +62.3% |
| Furniture and vehicles | 24 | €11,932 | €11,156 | -€776 | -6.5% |
| Other tangible fixed assets | 26 | €19,782 | €21,219 | +€1,437 | +7.3% |
| Financial fixed assets | 28 | €160 | €160 | = | 0.0% |
| Current assets | 29/58 | €158,382 | €282,425 | +€124,043 | +78.3% |
| Amounts receivable within one year | 40/41 | €105,517 | €215,457 | +€109,940 | +104% |
| Trade receivables | 40 | €55,163 | €55,583 | +€421 | +0.8% |
| Other amounts receivable | 41 | €50,355 | €159,874 | +€109,519 | +217% |
| Cash at bank and in hand | 54/58 | €49,384 | €61,050 | +€11,667 | +23.6% |
| Deferred charges and accrued income | 490/1 | €3,481 | €5,918 | +€2,437 | +70.0% |
| Total equity and liabilities | 10/49 | €360,182 | €455,403 | +€95,221 | +26.4% |
| Equity | 10/15 | €323,849 | €269,334 | -€54,514 | -16.8% |
| Contributions | 10/11 | €18,593 | €18,593 | = | 0.0% |
| Reserves | 13 | €208,614 | €208,614 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,859 | €1,859 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,859 | €1,859 | = | 0.0% |
| Tax-exempt reserves | 132 | €6,755 | €6,755 | = | 0.0% |
| Distributable reserves | 133 | €200,000 | €200,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €96,641 | €42,127 | -€54,514 | -56.4% |
| Amounts payable | 17/49 | €36,333 | €186,068 | +€149,735 | +412% |
| Amounts payable after more than one year | 17 | €5,830 | €0 | -€5,830 | -100% |
| Financial debts | 170/4 | €5,830 | €0 | -€5,830 | -100% |
| Amounts payable within one year | 42/48 | €30,503 | €186,068 | +€155,565 | +510% |
| Current portion of amounts payable after more than one year | 42 | €6,712 | €5,830 | -€883 | -13.1% |
| Trade debts | 44 | €1,762 | €4,993 | +€3,231 | +183% |
| Suppliers | 440/4 | €1,762 | €4,993 | +€3,231 | +183% |
| Taxes, remuneration and social security | 45 | €22,029 | €70,210 | +€48,181 | +219% |
| Taxes | 450/3 | - | €32,114 | +€32,114 | |
| Remuneration and social security | 454/9 | €22,029 | €38,096 | +€16,067 | +72.9% |
| Other amounts payable | 47/48 | - | €105,036 | +€105,036 | |
| Remuneration, social security and pensions | 62 | €226,895 | €257,944 | +€31,049 | +13.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €48,797 | €44,707 | -€4,090 | -8.4% |
| Other operating charges | 640/8 | €4,045 | €2,030 | -€2,015 | -49.8% |
| Non-recurring operating charges | 66A | €9,778 | - | -€9,778 | |
| Gross operating margin | 9900 | €323,058 | €378,649 | +€55,590 | +17.2% |
| Operating profit (loss) | 9901 | €33,544 | €73,968 | +€40,424 | +121% |
| Financial income | 75/76B | €297 | €190 | -€107 | -35.9% |
| Recurring financial income | 75 | €297 | €190 | -€107 | -35.9% |
| Financial charges | 65/66B | €1,781 | €1,296 | -€485 | -27.2% |
| Recurring financial charges | 65 | €1,781 | €1,296 | -€485 | -27.2% |
| Profit (loss) for the period before taxes | 9903 | €32,059 | €72,862 | +€40,803 | +127% |
| Income taxes | 67/77 | €12,505 | €22,542 | +€10,037 | +80.3% |
| Profit (loss) for the period | 9904 | €19,554 | €50,320 | +€30,766 | +157% |
| Profit (loss) for the period to be appropriated | 9905 | €19,554 | €50,320 | +€30,766 | +157% |
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 15 October 2026 via checked.be.