RR Insurance: 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.
RR Insurance
Largest movements
- Cash +€208,136
up €208,136 (+538%), from €38,692 to €246,828
mainly Net result for the year (+€172,642) and Trade debts (+€29,284)
- Profit (loss) carried forward +€172,642
up €172,642 (+14,781%), from €1,168 to €173,810
- Trade debts +€29,284
up €29,284 (+222%), from €13,196 to €42,480
of which Bills of exchange payable: +€42,480
- Debts after one year +€12,016
new in 2025: €12,016
- Provisions -€4,549
no longer reported in 2025 (was €4,549)
- Financial income +€250,000
new in 2025: €250,000
- Gross operating margin -€95,300
down €95,300, from €50,899 to -€44,401
- Staff costs -€33,536
down €33,536 (-53.1%), from €63,117 to €29,581
- Taxes -€4,549
no longer reported in 2025 (was €4,549)
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 | €40,371 | €246,907 | +€206,536 | +512% |
| Formation expenses | 20 | - | €79 | +€79 | |
| Fixed assets | 21/28 | €79 | - | -€79 | |
| Tangible fixed assets | 22/27 | €0 | - | = | |
| Furniture and vehicles | 24 | €0 | - | = | |
| Financial fixed assets | 28 | €79 | - | -€79 | |
| Current assets | 29/58 | €40,292 | €246,828 | +€206,536 | +513% |
| Amounts receivable after more than one year | 29 | €1,600 | - | -€1,600 | |
| Other amounts receivable | 291 | €1,600 | - | -€1,600 | |
| Cash at bank and in hand | 54/58 | €38,692 | €246,828 | +€208,136 | +538% |
| Total equity and liabilities | 10/49 | €40,371 | €246,907 | +€206,536 | +512% |
| Equity | 10/15 | €19,768 | €192,410 | +€172,642 | +873% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Capital | 10 | - | €18,600 | +€18,600 | |
| Issued capital | 100 | - | €18,600 | +€18,600 | |
| Profit (loss) carried forward | 14 | €1,168 | €173,810 | +€172,642 | +14,781% |
| Provisions and deferred taxes | 16 | €4,549 | - | -€4,549 | |
| Provisions for liabilities and charges | 160/5 | €4,549 | - | -€4,549 | |
| Taxes | 161 | €4,549 | - | -€4,549 | |
| Amounts payable | 17/49 | €16,054 | €54,497 | +€38,443 | +239% |
| Amounts payable after more than one year | 17 | - | €12,016 | +€12,016 | |
| Trade debts | 175 | - | €12,016 | +€12,016 | |
| Amounts payable within one year | 42/48 | €14,754 | €42,480 | +€27,726 | +188% |
| Trade debts | 44 | €13,196 | €42,480 | +€29,284 | +222% |
| Suppliers | 440/4 | €13,196 | - | -€13,196 | |
| Bills of exchange payable | 441 | - | €42,480 | +€42,480 | |
| Taxes, remuneration and social security | 45 | €1,518 | - | -€1,518 | |
| Remuneration and social security | 454/9 | €1,518 | - | -€1,518 | |
| Other amounts payable | 47/48 | €40 | - | -€40 | |
| Accrued charges and deferred income | 492/3 | €1,300 | €1 | -€1,299 | -99.9% |
| Remuneration, social security and pensions | 62 | €63,117 | €29,581 | -€33,536 | -53.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €1,660 | €1,600 | -€60 | -3.6% |
| Other operating charges | 640/8 | €387 | €818 | +€431 | +111% |
| Gross operating margin | 9900 | €50,899 | -€44,401 | -€95,300 | |
| Operating profit (loss) | 9901 | -€14,265 | -€76,400 | -€62,135 | -436% |
| Financial income | 75/76B | - | €250,000 | +€250,000 | |
| Recurring financial income | 75 | - | €250,000 | +€250,000 | |
| Financial charges | 65/66B | €487 | €958 | +€471 | +96.7% |
| Recurring financial charges | 65 | €487 | €208 | -€279 | -57.3% |
| Non-recurring financial charges | 66B | - | €750 | +€750 | |
| Profit (loss) for the period before taxes | 9903 | -€14,752 | €172,642 | +€187,394 | |
| Income taxes | 67/77 | €4,549 | - | -€4,549 | |
| Profit (loss) for the period | 9904 | -€19,301 | €172,642 | +€191,943 | |
| Profit (loss) for the period to be appropriated | 9905 | -€19,301 | €172,642 | +€191,943 |
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 29 October 2026 via checked.be.