SCHYNS 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.
SCHYNS ASSURANCES
Largest movements
- Cash +€236,076
up €236,076 (+13.8%), from €1.7m to €1.9m
mainly Other debts (+€570,729) and Net result for the year (+€310,993)
- Tangible fixed assets -€97,043
down €97,043 (-13.6%), from €711,437 to €614,394
of which Land and buildings: -€64,163
- Receivables within one year -€41,707
down €41,707 (-31.0%), from €134,464 to €92,757
of which Other amounts receivable: -€35,007
- Other debts +€570,729
up €570,729 (+259%), from €220,000 to €790,729
- Reserves -€479,000
down €479,000 (-35.0%), from €1.4m to €891,000
of which Distributable reserves: -€479,000
- Gross operating margin +€58,526
up €58,526 (+8.2%), from €716,988 to €775,514
- Taxes +€19,838
up €19,838 (+15.7%), from €126,485 to €146,323
- Depreciation +€13,038
up €13,038 (+12.4%), from €104,760 to €117,798
- Financial income +€10,343
up €10,343 (+31.4%), from €32,928 to €43,271
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 | €2,577,818 | €2,673,847 | +€96,029 | +3.7% |
| Fixed assets | 21/28 | €711,437 | €614,394 | -€97,043 | -13.6% |
| Tangible fixed assets | 22/27 | €711,437 | €614,394 | -€97,043 | -13.6% |
| Land and buildings | 22 | €513,307 | €449,144 | -€64,163 | -12.5% |
| Plant, machinery and equipment | 23 | €1,788 | €1,982 | +€194 | +10.9% |
| Furniture and vehicles | 24 | €196,342 | €163,268 | -€33,074 | -16.8% |
| Current assets | 29/58 | €1,866,381 | €2,059,453 | +€193,072 | +10.3% |
| Amounts receivable within one year | 40/41 | €134,464 | €92,757 | -€41,707 | -31.0% |
| Trade receivables | 40 | €99,457 | €92,757 | -€6,700 | -6.7% |
| Other amounts receivable | 41 | €35,007 | - | -€35,007 | |
| Cash at bank and in hand | 54/58 | €1,713,252 | €1,949,328 | +€236,076 | +13.8% |
| Deferred charges and accrued income | 490/1 | €18,665 | €17,368 | -€1,297 | -6.9% |
| Total equity and liabilities | 10/49 | €2,577,818 | €2,673,847 | +€96,029 | +3.7% |
| Equity | 10/15 | €2,259,352 | €1,781,345 | -€478,007 | -21.2% |
| Contributions | 10/11 | €62,000 | €62,000 | = | 0.0% |
| Capital | 10 | €62,000 | €62,000 | = | 0.0% |
| Issued capital | 100 | €62,000 | €62,000 | = | 0.0% |
| Reserves | 13 | €1,370,000 | €891,000 | -€479,000 | -35.0% |
| Non-distributable reserves | 130/1 | €6,200 | €6,200 | = | 0.0% |
| Legal reserve | 130 | €6,200 | €6,200 | = | 0.0% |
| Distributable reserves | 133 | €1,363,800 | €884,800 | -€479,000 | -35.1% |
| Profit (loss) carried forward | 14 | €827,352 | €828,345 | +€993 | +0.1% |
| Amounts payable | 17/49 | €318,466 | €892,502 | +€574,036 | +180% |
| Amounts payable within one year | 42/48 | €317,866 | €891,902 | +€574,036 | +181% |
| Trade debts | 44 | €22,139 | €12,652 | -€9,487 | -42.9% |
| Suppliers | 440/4 | €22,139 | €12,652 | -€9,487 | -42.9% |
| Taxes, remuneration and social security | 45 | €75,727 | €88,521 | +€12,794 | +16.9% |
| Taxes | 450/3 | €47,871 | €55,885 | +€8,014 | +16.7% |
| Remuneration and social security | 454/9 | €27,856 | €32,636 | +€4,780 | +17.2% |
| Other amounts payable | 47/48 | €220,000 | €790,729 | +€570,729 | +259% |
| Accrued charges and deferred income | 492/3 | €600 | €600 | = | 0.0% |
| Remuneration, social security and pensions | 62 | €239,191 | €231,626 | -€7,565 | -3.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €104,760 | €117,798 | +€13,038 | +12.4% |
| Other operating charges | 640/8 | €10,099 | €10,379 | +€280 | +2.8% |
| Gross operating margin | 9900 | €716,988 | €775,514 | +€58,526 | +8.2% |
| Operating profit (loss) | 9901 | €362,938 | €415,711 | +€52,773 | +14.5% |
| Financial income | 75/76B | €32,928 | €43,271 | +€10,343 | +31.4% |
| Recurring financial income | 75 | €32,928 | €43,271 | +€10,343 | +31.4% |
| Financial charges | 65/66B | €1,610 | €1,666 | +€56 | +3.5% |
| Recurring financial charges | 65 | €1,610 | €1,666 | +€56 | +3.5% |
| Profit (loss) for the period before taxes | 9903 | €394,256 | €457,316 | +€63,060 | +16.0% |
| Income taxes | 67/77 | €126,485 | €146,323 | +€19,838 | +15.7% |
| Profit (loss) for the period | 9904 | €267,771 | €310,993 | +€43,222 | +16.1% |
| Profit (loss) for the period to be appropriated | 9905 | €267,771 | €310,993 | +€43,222 | +16.1% |
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.