Pro-Active Insurance: what changed
Pro-Active Insurance
Largest movements
- Deferred charges and accrued income +€67,706
up €67,706 (+5,727%), from €1,182 to €68,889
- Tangible fixed assets -€29,696
down €29,696 (-21.1%), from €140,911 to €111,215
of which Furniture and vehicles: -€29,696
- Cash -€27,110
down €27,110 (-33.3%), from €81,306 to €54,197
mainly Contributions, distributions and other (-€89,704) and Deferred charges and accrued income (-€67,706)
- Reserves +€65,490
up €65,490 (+24.6%), from €266,591 to €332,082
- Other debts -€47,932
down €47,932 (-49.6%), from €96,654 to €48,722
- Debts after one year -€30,178
down €30,178 (-45.1%), from €66,904 to €36,726
- Trade debts +€12,541
up €12,541 (+67,753%), from €19 to €12,560
- Tax, wage and social debts +€9,077
up €9,077 (+88.8%), from €10,220 to €19,297
- Financial income +€42,067
up €42,067 (+43.8%), from €96,129 to €138,196
- Gross operating margin +€37,437
up €37,437 (+107%), from €34,914 to €72,351
- Taxes +€7,223
up €7,223 (+81.9%), from €8,823 to €16,046
- Depreciation +€1,372
up €1,372 (+4.2%), from €32,861 to €34,233
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 | €481,811 | €491,964 | +€10,153 | +2.1% |
| Fixed assets | 21/28 | €395,624 | €365,928 | -€29,696 | -7.5% |
| Tangible fixed assets | 22/27 | €140,911 | €111,215 | -€29,696 | -21.1% |
| Land and buildings | 22 | €0 | - | = | |
| Furniture and vehicles | 24 | €140,911 | €111,215 | -€29,696 | -21.1% |
| Financial fixed assets | 28 | €254,713 | €254,713 | = | 0.0% |
| Current assets | 29/58 | €86,187 | €126,036 | +€39,849 | +46.2% |
| Amounts receivable within one year | 40/41 | €3,698 | €2,951 | -€747 | -20.2% |
| Trade receivables | 40 | €2,000 | €2,000 | = | 0.0% |
| Other amounts receivable | 41 | €1,698 | €951 | -€747 | -44.0% |
| Cash at bank and in hand | 54/58 | €81,306 | €54,197 | -€27,110 | -33.3% |
| Deferred charges and accrued income | 490/1 | €1,182 | €68,889 | +€67,706 | +5,727% |
| Total equity and liabilities | 10/49 | €481,811 | €491,964 | +€10,153 | +2.1% |
| Equity | 10/15 | €278,991 | €344,482 | +€65,490 | +23.5% |
| Contributions | 10/11 | €12,400 | €12,400 | = | 0.0% |
| Reserves | 13 | €266,591 | €332,082 | +€65,490 | +24.6% |
| Distributable reserves | 133 | €266,591 | €332,082 | +€65,490 | +24.6% |
| Amounts payable | 17/49 | €202,820 | €147,483 | -€55,337 | -27.3% |
| Amounts payable after more than one year | 17 | €66,904 | €36,726 | -€30,178 | -45.1% |
| Financial debts | 170/4 | €66,904 | €36,726 | -€30,178 | -45.1% |
| Amounts payable within one year | 42/48 | €135,916 | €110,756 | -€25,160 | -18.5% |
| Financial debts | 43 | €29,024 | €30,178 | +€1,153 | +4.0% |
| Credit institutions | 430/8 | €29,024 | €30,178 | +€1,153 | +4.0% |
| Trade debts | 44 | €19 | €12,560 | +€12,541 | +67,753% |
| Suppliers | 440/4 | €19 | €12,560 | +€12,541 | +67,753% |
| Taxes, remuneration and social security | 45 | €10,220 | €19,297 | +€9,077 | +88.8% |
| Taxes | 450/3 | €10,220 | €19,297 | +€9,077 | +88.8% |
| Other amounts payable | 47/48 | €96,654 | €48,722 | -€47,932 | -49.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €32,861 | €34,233 | +€1,372 | +4.2% |
| Other operating charges | 640/8 | €1,551 | €1,526 | -€25 | -1.6% |
| Gross operating margin | 9900 | €34,914 | €72,351 | +€37,437 | +107% |
| Operating profit (loss) | 9901 | €502 | €36,592 | +€36,090 | +7,186% |
| Financial income | 75/76B | €96,129 | €138,196 | +€42,067 | +43.8% |
| Recurring financial income | 75 | €96,129 | €138,196 | +€42,067 | +43.8% |
| Financial charges | 65/66B | €4,167 | €3,548 | -€619 | -14.9% |
| Recurring financial charges | 65 | €4,167 | €3,548 | -€619 | -14.9% |
| Profit (loss) for the period before taxes | 9903 | €92,464 | €171,240 | +€78,776 | +85.2% |
| Income taxes | 67/77 | €8,823 | €16,046 | +€7,223 | +81.9% |
| Profit (loss) for the period | 9904 | €83,641 | €155,194 | +€71,553 | +85.5% |
| Profit (loss) for the period to be appropriated | 9905 | €83,641 | €155,194 | +€71,553 | +85.5% |
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 4 November 2026 via checked.be.