SAVE 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.
SAVE INSURANCE
Largest movements
- Receivables within one year +€31,321
up €31,321 (+112.6%), from €27,819 to €59,141
of which Other amounts receivable: +€31,321
- Cash -€1,865
down €1,865 (-3.7%), from €51,011 to €49,147
mainly Receivables within one year (-€31,321) and Net result for the year (-€837)
- Other debts +€30,471
up €30,471 (+50.4%), from €60,500 to €90,971
- Gross operating margin -€5,303
down €5,303 (-80.8%), from €6,566 to €1,263
- Taxes -€1,279
no longer reported in 2025 (was €1,279)
- Other operating charges +€315
up €315 (+20.4%), from €1,548 to €1,863
- Financial charges -€90
down €90 (-27.6%), from €327 to €237
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.
Cash bridge derived
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 | €83,987 | €113,444 | +€29,457 | +35.1% |
| Fixed assets | 21/28 | €360 | €360 | = | 0.0% |
| Financial fixed assets | 28 | €360 | €360 | = | 0.0% |
| Current assets | 29/58 | €83,627 | €113,084 | +€29,457 | +35.2% |
| Amounts receivable within one year | 40/41 | €27,819 | €59,141 | +€31,321 | +112.6% |
| Trade receivables | 40 | €3,178 | €3,178 | = | 0.0% |
| Other amounts receivable | 41 | €24,641 | €55,962 | +€31,321 | +127.1% |
| Cash at bank and in hand | 54/58 | €51,011 | €49,147 | -€1,865 | -3.7% |
| Deferred charges and accrued income | 490/1 | €4,796 | €4,796 | = | 0.0% |
| Total equity and liabilities | 10/49 | €83,987 | €113,444 | +€29,457 | +35.1% |
| Equity | 10/15 | €11,335 | €10,499 | -€837 | -7.4% |
| Contributions | 10/11 | €100,000 | €100,000 | = | 0.0% |
| Capital | 10 | €100,000 | €100,000 | = | 0.0% |
| Issued capital | 100 | €100,000 | €100,000 | = | 0.0% |
| Reserves | 13 | €24,153 | €24,153 | = | 0.0% |
| Non-distributable reserves | 130/1 | €10,000 | €10,000 | = | 0.0% |
| Legal reserve | 130 | €10,000 | €10,000 | = | 0.0% |
| Tax-exempt reserves | 132 | €60 | €60 | = | 0.0% |
| Distributable reserves | 133 | €14,093 | €14,093 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€112,818 | -€113,655 | -€837 | -0.7% |
| Provisions and deferred taxes | 16 | €6,152 | €6,152 | = | 0.0% |
| Provisions for liabilities and charges | 160/5 | €6,152 | €6,152 | = | 0.0% |
| Environmental obligations | 163 | €6,152 | €6,152 | = | 0.0% |
| Amounts payable | 17/49 | €66,500 | €96,793 | +€30,293 | +45.6% |
| Amounts payable within one year | 42/48 | €66,500 | €96,793 | +€30,293 | +45.6% |
| Financial debts | 43 | €31 | €31 | = | 0.0% |
| Credit institutions | 430/8 | €31 | €31 | = | 0.0% |
| Trade debts | 44 | €3,602 | €3,418 | -€184 | -5.1% |
| Suppliers | 440/4 | €3,602 | €3,418 | -€184 | -5.1% |
| Taxes, remuneration and social security | 45 | €2,367 | €2,373 | +€6 | +0.3% |
| Taxes | 450/3 | €2,367 | €2,373 | +€6 | +0.3% |
| Other amounts payable | 47/48 | €60,500 | €90,971 | +€30,471 | +50.4% |
| Other operating charges | 640/8 | €1,548 | €1,863 | +€315 | +20.4% |
| Gross operating margin | 9900 | €6,566 | €1,263 | -€5,303 | -80.8% |
| Operating profit (loss) | 9901 | €5,019 | -€600 | -€5,619 | |
| Financial charges | 65/66B | €327 | €237 | -€90 | -27.6% |
| Recurring financial charges | 65 | €327 | €237 | -€90 | -27.6% |
| Profit (loss) for the period before taxes | 9903 | €4,692 | -€837 | -€5,529 | |
| Income taxes | 67/77 | €1,279 | - | -€1,279 | |
| Profit (loss) for the period | 9904 | €3,413 | -€837 | -€4,250 | |
| Profit (loss) for the period to be appropriated | 9905 | €3,413 | -€837 | -€4,250 |
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 11 October 2026 via checked.be.