Premium Transfers: 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.
Premium Transfers
Largest movements
- Receivables within one year +€15,271
up €15,271 (+17.3%), from €88,293 to €103,564
of which Other amounts receivable: +€16,294
- Cash -€10,269
down €10,269 (-41.4%), from €24,800 to €14,531
mainly Tax, wage and social debts (-€15,465) and Receivables within one year (-€15,271)
- Profit (loss) carried forward +€17,355
up €17,355 (+19.7%), from €88,146 to €105,501
- Tax, wage and social debts -€15,465
down €15,465 (-71.7%), from €21,574 to €6,109
- Trade debts +€3,112
up €3,112 (+485%), from €642 to €3,754
- Gross operating margin -€14,450
down €14,450 (-46.1%), from €31,377 to €16,927
- Taxes -€3,086
down €3,086 (-41.8%), from €7,388 to €4,302
- Financial income +€1,567
up €1,567 (+36.2%), from €4,324 to €5,891
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 | €113,362 | €118,364 | +€5,002 | +4.4% |
| Fixed assets | 21/28 | €269 | €269 | = | 0.0% |
| Financial fixed assets | 28 | €269 | €269 | = | 0.0% |
| Current assets | 29/58 | €113,093 | €118,095 | +€5,002 | +4.4% |
| Amounts receivable within one year | 40/41 | €88,293 | €103,564 | +€15,271 | +17.3% |
| Trade receivables | 40 | €1,023 | - | -€1,023 | |
| Other amounts receivable | 41 | €87,270 | €103,564 | +€16,294 | +18.7% |
| Cash at bank and in hand | 54/58 | €24,800 | €14,531 | -€10,269 | -41.4% |
| Total equity and liabilities | 10/49 | €113,362 | €118,364 | +€5,002 | +4.4% |
| Equity | 10/15 | €91,146 | €108,501 | +€17,355 | +19.0% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €88,146 | €105,501 | +€17,355 | +19.7% |
| Amounts payable | 17/49 | €22,216 | €9,863 | -€12,353 | -55.6% |
| Amounts payable within one year | 42/48 | €22,216 | €9,863 | -€12,353 | -55.6% |
| Trade debts | 44 | €642 | €3,754 | +€3,112 | +485% |
| Suppliers | 440/4 | €642 | €3,754 | +€3,112 | +485% |
| Taxes, remuneration and social security | 45 | €21,574 | €6,109 | -€15,465 | -71.7% |
| Taxes | 450/3 | €21,574 | €6,109 | -€15,465 | -71.7% |
| Other operating charges | 640/8 | €1,238 | €934 | -€304 | -24.6% |
| Gross operating margin | 9900 | €31,377 | €16,927 | -€14,450 | -46.1% |
| Operating profit (loss) | 9901 | €30,139 | €15,993 | -€14,146 | -46.9% |
| Financial income | 75/76B | €4,324 | €5,891 | +€1,567 | +36.2% |
| Recurring financial income | 75 | €4,324 | €5,891 | +€1,567 | +36.2% |
| Financial charges | 65/66B | €304 | €227 | -€77 | -25.3% |
| Recurring financial charges | 65 | €304 | €227 | -€77 | -25.3% |
| Profit (loss) for the period before taxes | 9903 | €34,159 | €21,657 | -€12,502 | -36.6% |
| Income taxes | 67/77 | €7,388 | €4,302 | -€3,086 | -41.8% |
| Profit (loss) for the period | 9904 | €26,771 | €17,355 | -€9,416 | -35.2% |
| Profit (loss) for the period to be appropriated | 9905 | €26,771 | €17,355 | -€9,416 | -35.2% |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 October 2026 via checked.be.