PRUCO: what changed
Two fiscal 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.
PRUCO
Largest movements
- Current investments +€58,263
up €58,263 (+8.0%), from €730,051 to €788,314
- Cash -€20,597
down €20,597 (-33.7%), from €61,198 to €40,601
mainly Current investments (-€58,263) and Contributions, distributions and other (-€1,718)
- Other debts +€13,111
up €13,111 (+4.2%), from €313,851 to €326,962
- Gross operating margin -€257,480
down €257,480 (-96.2%), from €267,526 to €10,046
- Taxes -€65,196
down €65,196 (-96.7%), from €67,452 to €2,256
- Financial income +€32,524
up €32,524 (+1018.0%), from €3,195 to €35,719
- Financial charges +€7,740
up €7,740 (+42.8%), from €18,085 to €25,825
- Other operating charges -€4,613
down €4,613 (-62.4%), from €7,394 to €2,781
From the 2023 result to the 2024 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.
Cash bridge derived
Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2023 | 2024 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €864,310 | €889,470 | +€25,160 | +2.9% |
| Fixed assets | 21/28 | €60,479 | €52,240 | -€8,240 | -13.6% |
| Tangible fixed assets | 22/27 | €60,479 | €52,240 | -€8,240 | -13.6% |
| Land and buildings | 22 | €56,521 | €49,382 | -€7,139 | -12.6% |
| Plant, machinery and equipment | 23 | €2,790 | €2,187 | -€603 | -21.6% |
| Furniture and vehicles | 24 | €1,168 | €671 | -€497 | -42.5% |
| Current assets | 29/58 | €803,831 | €837,230 | +€33,400 | +4.2% |
| Amounts receivable within one year | 40/41 | €12,582 | €8,176 | -€4,405 | -35.0% |
| Other amounts receivable | 41 | €12,582 | €8,176 | -€4,405 | -35.0% |
| Current investments | 50/53 | €730,051 | €788,314 | +€58,263 | +8.0% |
| Cash at bank and in hand | 54/58 | €61,198 | €40,601 | -€20,597 | -33.7% |
| Deferred charges and accrued income | 490/1 | €0 | €139 | +€139 | |
| Total equity and liabilities | 10/49 | €864,310 | €889,470 | +€25,160 | +2.9% |
| Equity | 10/15 | €531,340 | €536,285 | +€4,944 | +0.9% |
| Contributions | 10/11 | €279,800 | €279,800 | = | 0.0% |
| Reserves | 13 | €251,540 | €256,485 | +€4,944 | +2.0% |
| Non-distributable reserves | 130/1 | €22,292 | €22,292 | = | 0.0% |
| Reserves not available under the articles | 1311 | €22,292 | €22,292 | = | 0.0% |
| Distributable reserves | 133 | €229,248 | €234,193 | +€4,944 | +2.2% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €332,970 | €353,185 | +€20,216 | +6.1% |
| Amounts payable within one year | 42/48 | €320,382 | €335,190 | +€14,808 | +4.6% |
| Trade debts | 44 | €669 | €0 | -€669 | -100.0% |
| Suppliers | 440/4 | €669 | €0 | -€669 | -100.0% |
| Taxes, remuneration and social security | 45 | €5,861 | €8,228 | +€2,366 | +40.4% |
| Taxes | 450/3 | €5,861 | €8,228 | +€2,366 | +40.4% |
| Other amounts payable | 47/48 | €313,851 | €326,962 | +€13,111 | +4.2% |
| Accrued charges and deferred income | 492/3 | €12,588 | €17,996 | +€5,408 | +43.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €9,075 | €8,240 | -€835 | -9.2% |
| Other operating charges | 640/8 | €7,394 | €2,781 | -€4,613 | -62.4% |
| Gross operating margin | 9900 | €267,526 | €10,046 | -€257,480 | -96.2% |
| Operating profit (loss) | 9901 | €251,057 | -€974 | -€252,032 | |
| Financial income | 75/76B | €3,195 | €35,719 | +€32,524 | +1018.0% |
| Recurring financial income | 75 | €3,195 | €35,719 | +€32,524 | +1018.0% |
| Financial charges | 65/66B | €18,085 | €25,825 | +€7,740 | +42.8% |
| Recurring financial charges | 65 | €18,085 | €25,825 | +€7,740 | +42.8% |
| Profit (loss) for the period before taxes | 9903 | €236,167 | €8,919 | -€227,248 | -96.2% |
| Income taxes | 67/77 | €67,452 | €2,256 | -€65,196 | -96.7% |
| Profit (loss) for the period | 9904 | €168,715 | €6,662 | -€162,052 | -96.1% |
| Profit (loss) for the period to be appropriated | 9905 | €168,715 | €6,662 | -€162,052 | -96.1% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.