PNC ASSURANCES: what changed
What changed
PNC ASSURANCES
NACE 66.220, Insurance agents and brokers
filed annual accounts (NBB)
Net result for the year
€15,487
2024 · €13,180+€2,307
Equity
€82,933
2024 · €88,234-€5,302
Cash
€12,154
2024 · €10,362+€1,791
Balance sheet total
€251,672
2024 · €264,436-€12,764
Largest movements
Assets
- Tangible fixed assets -€13,026
down €13,026 (-6.2%), from €209,458 to €196,432
Equity and liabilities
- Debts after one year -€19,033
down €19,033 (-15.0%), from €127,262 to €108,229
- Other debts +€12,446
up €12,446 (+149%), from €8,342 to €20,788
- Reserves -€5,302
down €5,302 (-8.0%), from €65,918 to €60,616
Income statement
- Gross operating margin +€2,228
up €2,228 (+4.9%), from €45,739 to €47,967
- Taxes +€566
up €566 (+8.5%), from €6,679 to €7,244
- Financial charges -€489
down €489 (-9.8%), from €4,969 to €4,480
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.
Result 2024
€13,180
Gross operating margin
+€2,228
Staff costs
+€199
Depreciation
-€68
Other operating charges
+€73
Financial income
-€48
Financial charges
+€489
Taxes
-€566
Result 2025
€15,487
raises the resultlowers the result
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.
From operations
+€44,012
Investment
-€1,421
Financing
-€40,800
Cash 2024
€10,362
From operations (derived)
+€44,012
Net result for the year
+€15,487
Depreciation
+€14,447
Receivables within one year
+€277
Deferred charges and accrued income
+€1,252
Trade debts
-€1,621
Tax, wage and social debts
+€720
Other debts
+€12,446
Accrued charges and deferred income
+€1,004
Investment (derived)
-€1,421
Investment in fixed assets (net)
-€1,421
Financing
-€40,800
Debts after one year
-€19,033
Current portion of long-term debt
-€978
Contributions, distributions and other
-€20,788
Cash 2025
€12,154
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €264,436 | €251,672 | -€12,764 | -4.8% |
| Fixed assets | 21/28 | €209,679 | €196,652 | -€13,026 | -6.2% |
| Tangible fixed assets | 22/27 | €209,458 | €196,432 | -€13,026 | -6.2% |
| Land and buildings | 22 | €156,365 | €151,074 | -€5,291 | -3.4% |
| Plant, machinery and equipment | 23 | €11,005 | €11,005 | = | 0.0% |
| Furniture and vehicles | 24 | €20,052 | €15,322 | -€4,730 | -23.6% |
| Other tangible fixed assets | 26 | €22,037 | €19,031 | -€3,006 | -13.6% |
| Financial fixed assets | 28 | €220 | €220 | = | 0.0% |
| Current assets | 29/58 | €54,758 | €55,020 | +€262 | +0.5% |
| Amounts receivable within one year | 40/41 | €27,840 | €27,563 | -€277 | -1.0% |
| Other amounts receivable | 41 | €27,840 | €27,563 | -€277 | -1.0% |
| Cash at bank and in hand | 54/58 | €10,362 | €12,154 | +€1,791 | +17.3% |
| Deferred charges and accrued income | 490/1 | €16,555 | €15,303 | -€1,252 | -7.6% |
| Total equity and liabilities | 10/49 | €264,436 | €251,672 | -€12,764 | -4.8% |
| Equity | 10/15 | €88,234 | €82,933 | -€5,302 | -6.0% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €65,918 | €60,616 | -€5,302 | -8.0% |
| Distributable reserves | 133 | €65,918 | €60,616 | -€5,302 | -8.0% |
| Profit (loss) carried forward | 14 | €16,117 | €16,117 | = | 0.0% |
| Amounts payable | 17/49 | €176,202 | €168,739 | -€7,463 | -4.2% |
| Amounts payable after more than one year | 17 | €127,262 | €108,229 | -€19,033 | -15.0% |
| Financial debts | 170/4 | €127,262 | €108,229 | -€19,033 | -15.0% |
| Amounts payable within one year | 42/48 | €47,785 | €58,352 | +€10,567 | +22.1% |
| Current portion of amounts payable after more than one year | 42 | €20,012 | €19,033 | -€978 | -4.9% |
| Trade debts | 44 | €6,228 | €4,607 | -€1,621 | -26.0% |
| Suppliers | 440/4 | €6,228 | €4,607 | -€1,621 | -26.0% |
| Taxes, remuneration and social security | 45 | €13,203 | €13,923 | +€720 | +5.5% |
| Taxes | 450/3 | €11,771 | €13,923 | +€2,152 | +18.3% |
| Remuneration and social security | 454/9 | €1,432 | - | -€1,432 | |
| Other amounts payable | 47/48 | €8,342 | €20,788 | +€12,446 | +149% |
| Accrued charges and deferred income | 492/3 | €1,155 | €2,159 | +€1,004 | +86.9% |
| Remuneration, social security and pensions | 62 | €5,444 | €5,246 | -€199 | -3.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €14,380 | €14,447 | +€68 | +0.5% |
| Other operating charges | 640/8 | €2,822 | €2,749 | -€73 | -2.6% |
| Gross operating margin | 9900 | €45,739 | €47,967 | +€2,228 | +4.9% |
| Operating profit (loss) | 9901 | €23,093 | €25,525 | +€2,432 | +10.5% |
| Financial income | 75/76B | €1,734 | €1,686 | -€48 | -2.8% |
| Recurring financial income | 75 | €1,734 | €1,686 | -€48 | -2.8% |
| Financial charges | 65/66B | €4,969 | €4,480 | -€489 | -9.8% |
| Recurring financial charges | 65 | €4,969 | €4,480 | -€489 | -9.8% |
| Profit (loss) for the period before taxes | 9903 | €19,858 | €22,731 | +€2,872 | +14.5% |
| Income taxes | 67/77 | €6,679 | €7,244 | +€566 | +8.5% |
| Profit (loss) for the period | 9904 | €13,180 | €15,487 | +€2,307 | +17.5% |
| Profit (loss) for the period to be appropriated | 9905 | €13,180 | €15,487 | +€2,307 | +17.5% |
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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 5 November 2026 via checked.be.