PROMISIA ASSURANCES: what changed
What changed
PROMISIA ASSURANCES
NACE 65.122, Insurance, reinsurance and pension funding, except compulsory social security
filed annual accounts (NBB)
Net result for the year
€157,434
2024 · €86,527+€70,907
Equity
€586,645
2024 · €654,211-€67,566
Cash
€403,707
2024 · €368,746+€34,961
Balance sheet total
€901,325
2024 · €783,780+€117,545
Largest movements
Assets
- Receivables within one year +€168,514
up €168,514 (+179%), from €94,186 to €262,700
of which Trade receivables: +€141,728
- Current investments -€75,000
down €75,000 (-33.3%), from €225,000 to €150,000
- Cash +€34,961
up €34,961 (+9.5%), from €368,746 to €403,707
mainly Other debts (+€169,926) and Net result for the year (+€157,434)
- Intangible fixed assets -€23,900
down €23,900 (-31.7%), from €75,300 to €51,400
- Tangible fixed assets +€18,074
up €18,074 (+190%), from €9,488 to €27,562
Equity and liabilities
- Other debts +€169,926
up €169,926 (+650%), from €26,143 to €196,069
- Profit (loss) carried forward -€67,566
down €67,566, from €40,761 to -€26,805
- Trade debts +€24,432
up €24,432 (+110%), from €22,128 to €46,560
- Current portion of long-term debt -€17,595
down €17,595 (-100%), from €17,595 to €0
Income statement
- Staff costs -€235,857
down €235,857 (-39.5%), from €597,456 to €361,599
- Gross operating margin -€175,414
down €175,414 (-22.1%), from €795,201 to €619,786
- Depreciation -€29,699
down €29,699 (-45.0%), from €66,048 to €36,348
- Taxes +€24,034
up €24,034 (+68.4%), from €35,125 to €59,159
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
€86,527
Gross operating margin
-€175,414
Staff costs
+€235,857
Depreciation
+€29,699
Other operating charges
+€1,927
Financial income
+€1,477
Financial charges
+€1,396
Taxes
-€24,034
Result 2025
€157,434
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
+€233,079
Investment
+€44,478
Financing
-€242,595
Cash 2024
€368,746
From operations (derived)
+€233,079
Net result for the year
+€157,434
Depreciation
+€36,348
Receivables after one year
+€4,080
Receivables within one year
-€168,514
Deferred charges and accrued income
+€1,023
Trade debts
+€24,432
Tax, wage and social debts
+€8,655
Other debts
+€169,926
Accrued charges and deferred income
-€307
Investment (derived)
+€44,478
Investment in fixed assets (net)
-€30,522
Current investments
+€75,000
Financing
-€242,595
Current portion of long-term debt
-€17,595
Contributions, distributions and other
-€225,000
Cash 2025
€403,707
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €783,780 | €901,325 | +€117,545 | +15.0% |
| Fixed assets | 21/28 | €84,788 | €78,962 | -€5,826 | -6.9% |
| Intangible fixed assets | 21 | €75,300 | €51,400 | -€23,900 | -31.7% |
| Tangible fixed assets | 22/27 | €9,488 | €27,562 | +€18,074 | +190% |
| Furniture and vehicles | 24 | €9,488 | €27,562 | +€18,074 | +190% |
| Current assets | 29/58 | €698,992 | €822,363 | +€123,371 | +17.6% |
| Amounts receivable after more than one year | 29 | €10,036 | €5,956 | -€4,080 | -40.7% |
| Trade receivables | 290 | €10,036 | €5,956 | -€4,080 | -40.7% |
| Amounts receivable within one year | 40/41 | €94,186 | €262,700 | +€168,514 | +179% |
| Trade receivables | 40 | €39,804 | €181,532 | +€141,728 | +356% |
| Other amounts receivable | 41 | €54,382 | €81,168 | +€26,786 | +49.3% |
| Current investments | 50/53 | €225,000 | €150,000 | -€75,000 | -33.3% |
| Cash at bank and in hand | 54/58 | €368,746 | €403,707 | +€34,961 | +9.5% |
| Deferred charges and accrued income | 490/1 | €1,023 | €0 | -€1,023 | -100% |
| Total equity and liabilities | 10/49 | €783,780 | €901,325 | +€117,545 | +15.0% |
| Equity | 10/15 | €654,211 | €586,645 | -€67,566 | -10.3% |
| Contributions | 10/11 | €606,751 | €606,751 | = | 0.0% |
| Reserves | 13 | €6,699 | €6,699 | = | 0.0% |
| Distributable reserves | 133 | €6,699 | €6,699 | = | 0.0% |
| Profit (loss) carried forward | 14 | €40,761 | -€26,805 | -€67,566 | |
| Amounts payable | 17/49 | €129,569 | €314,680 | +€185,112 | +143% |
| Amounts payable after more than one year | 17 | €0 | €0 | = | |
| Financial debts | 170/4 | €0 | €0 | = | |
| Other amounts payable | 178/9 | €0 | - | = | |
| Amounts payable within one year | 42/48 | €129,262 | €314,680 | +€185,418 | +143% |
| Current portion of amounts payable after more than one year | 42 | €17,595 | €0 | -€17,595 | -100% |
| Financial debts | 43 | €0 | €0 | = | |
| Credit institutions | 430/8 | €0 | €0 | = | |
| Trade debts | 44 | €22,128 | €46,560 | +€24,432 | +110% |
| Suppliers | 440/4 | €22,128 | €46,560 | +€24,432 | +110% |
| Taxes, remuneration and social security | 45 | €63,396 | €72,052 | +€8,655 | +13.7% |
| Taxes | 450/3 | €9,970 | €37,953 | +€27,984 | +281% |
| Remuneration and social security | 454/9 | €53,427 | €34,098 | -€19,328 | -36.2% |
| Other amounts payable | 47/48 | €26,143 | €196,069 | +€169,926 | +650% |
| Accrued charges and deferred income | 492/3 | €307 | €0 | -€307 | -100% |
| Remuneration, social security and pensions | 62 | €597,456 | €361,599 | -€235,857 | -39.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €66,048 | €36,348 | -€29,699 | -45.0% |
| Other operating charges | 640/8 | €9,691 | €7,764 | -€1,927 | -19.9% |
| Gross operating margin | 9900 | €795,201 | €619,786 | -€175,414 | -22.1% |
| Operating profit (loss) | 9901 | €122,006 | €214,074 | +€92,069 | +75.5% |
| Financial income | 75/76B | €4,250 | €5,727 | +€1,477 | +34.7% |
| Recurring financial income | 75 | €4,250 | €5,727 | +€1,477 | +34.7% |
| Financial charges | 65/66B | €4,604 | €3,209 | -€1,396 | -30.3% |
| Recurring financial charges | 65 | €4,604 | €3,209 | -€1,396 | -30.3% |
| Profit (loss) for the period before taxes | 9903 | €121,652 | €216,593 | +€94,941 | +78.0% |
| Income taxes | 67/77 | €35,125 | €59,159 | +€24,034 | +68.4% |
| Profit (loss) for the period | 9904 | €86,527 | €157,434 | +€70,907 | +81.9% |
| Profit (loss) for the period to be appropriated | 9905 | €86,527 | €157,434 | +€70,907 | +81.9% |
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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 7 November 2026 via checked.be.