RG ASSURANCES: 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.
RG ASSURANCES
Largest movements
- Cash -€4,569
down €4,569 (-22.7%), from €20,147 to €15,578
mainly Contributions, distributions and other (-€8,847) and Receivables within one year (-€2,491)
- Receivables within one year +€2,491
up €2,491 (+26.3%), from €9,480 to €11,971
of which Trade receivables: +€2,269
- Tangible fixed assets -€643
down €643 (-31.2%), from €2,059 to €1,416
- Deferred charges and accrued income +€580
up €580 (+24.6%), from €2,355 to €2,935
- Profit (loss) carried forward -€18,014
down €18,014 (-98.7%), from €18,242 to €228
- Reserves +€16,517
up €16,517 (+150%), from €11,043 to €27,560
of which Distributable reserves: +€16,517
- Short-term financial debts -€1,017
down €1,017 (-22.8%), from €4,462 to €3,445
- Trade debts +€398
up €398 (+26.5%), from €1,500 to €1,898
- Gross operating margin -€8,519
down €8,519 (-40.8%), from €20,904 to €12,386
- Taxes -€1,877
down €1,877 (-35.9%), from €5,231 to €3,354
- Financial charges -€1,469
down €1,469 (-85.8%), from €1,711 to €243
- Other operating charges +€277
up €277 (+53.3%), from €519 to €796
- Depreciation -€252
down €252 (-28.1%), from €895 to €643
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 | €36,317 | €34,176 | -€2,141 | -5.9% |
| Fixed assets | 21/28 | €4,335 | €3,692 | -€643 | -14.8% |
| Tangible fixed assets | 22/27 | €2,059 | €1,416 | -€643 | -31.2% |
| Furniture and vehicles | 24 | €2,059 | €1,416 | -€643 | -31.2% |
| Financial fixed assets | 28 | €2,276 | €2,276 | = | 0.0% |
| Current assets | 29/58 | €31,982 | €30,484 | -€1,498 | -4.7% |
| Amounts receivable within one year | 40/41 | €9,480 | €11,971 | +€2,491 | +26.3% |
| Trade receivables | 40 | €7,056 | €9,325 | +€2,269 | +32.2% |
| Other amounts receivable | 41 | €2,424 | €2,646 | +€222 | +9.1% |
| Cash at bank and in hand | 54/58 | €20,147 | €15,578 | -€4,569 | -22.7% |
| Deferred charges and accrued income | 490/1 | €2,355 | €2,935 | +€580 | +24.6% |
| Total equity and liabilities | 10/49 | €36,317 | €34,176 | -€2,141 | -5.9% |
| Equity | 10/15 | €29,885 | €28,388 | -€1,497 | -5.0% |
| Contributions | 10/11 | €600 | €600 | = | 0.0% |
| Reserves | 13 | €11,043 | €27,560 | +€16,517 | +150% |
| Non-distributable reserves | 130/1 | €60 | €60 | = | 0.0% |
| Reserves not available under the articles | 1311 | €60 | €60 | = | 0.0% |
| Distributable reserves | 133 | €10,983 | €27,500 | +€16,517 | +150% |
| Profit (loss) carried forward | 14 | €18,242 | €228 | -€18,014 | -98.7% |
| Amounts payable | 17/49 | €6,432 | €5,788 | -€645 | -10.0% |
| Amounts payable within one year | 42/48 | €6,432 | €5,788 | -€645 | -10.0% |
| Financial debts | 43 | €4,462 | €3,445 | -€1,017 | -22.8% |
| Credit institutions | 430/8 | €4,462 | €3,445 | -€1,017 | -22.8% |
| Trade debts | 44 | €1,500 | €1,898 | +€398 | +26.5% |
| Suppliers | 440/4 | €1,500 | €1,898 | +€398 | +26.5% |
| Taxes, remuneration and social security | 45 | €470 | €445 | -€26 | -5.4% |
| Taxes | 450/3 | €470 | €445 | -€26 | -5.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €895 | €643 | -€252 | -28.1% |
| Other operating charges | 640/8 | €519 | €796 | +€277 | +53.3% |
| Gross operating margin | 9900 | €20,904 | €12,386 | -€8,519 | -40.8% |
| Operating profit (loss) | 9901 | €19,490 | €10,947 | -€8,544 | -43.8% |
| Financial income | 75/76B | €81 | - | -€81 | |
| Recurring financial income | 75 | €81 | - | -€81 | |
| Financial charges | 65/66B | €1,711 | €243 | -€1,469 | -85.8% |
| Recurring financial charges | 65 | €1,711 | €243 | -€1,469 | -85.8% |
| Profit (loss) for the period before taxes | 9903 | €17,860 | €10,704 | -€7,156 | -40.1% |
| Income taxes | 67/77 | €5,231 | €3,354 | -€1,877 | -35.9% |
| Profit (loss) for the period | 9904 | €12,629 | €7,350 | -€5,279 | -41.8% |
| Profit (loss) for the period to be appropriated | 9905 | €12,629 | €7,350 | -€5,279 | -41.8% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 13 October 2026 via checked.be.