STRAGIER VERZEKERINGEN: what changed
STRAGIER VERZEKERINGEN
Largest movements
- Intangible fixed assets -€87,857
down €87,857 (-20.0%), from €439,526 to €351,669
- Cash +€15,651
up €15,651 (+24.4%), from €64,207 to €79,858
mainly Depreciation (+€96,558) and Tax, wage and social debts (+€10,130)
- Deferred charges and accrued income -€8,301
down €8,301 (-10.4%), from €80,131 to €71,829
- Tangible fixed assets -€6,591
down €6,591 (-20.1%), from €32,852 to €26,261
- Profit (loss) carried forward -€49,601
new in 2025: -€49,601
- Debts after one year -€49,142
down €49,142 (-9.3%), from €528,323 to €479,181
- Tax, wage and social debts +€10,130
up €10,130 (+55.8%), from €18,139 to €28,270
of which Remuneration and social security: +€9,996
- Gross operating margin -€45,353
down €45,353 (-17.4%), from €261,330 to €215,976
- Staff costs +€13,128
up €13,128 (+9.5%), from €137,777 to €150,904
- Taxes -€3,433
down €3,433 (-88.6%), from €3,873 to €440
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €616,716 | €529,618 | -€87,099 | -14.1% |
| Fixed assets | 21/28 | €472,378 | €377,931 | -€94,448 | -20.0% |
| Intangible fixed assets | 21 | €439,526 | €351,669 | -€87,857 | -20.0% |
| Tangible fixed assets | 22/27 | €32,852 | €26,261 | -€6,591 | -20.1% |
| Furniture and vehicles | 24 | €32,852 | €26,261 | -€6,591 | -20.1% |
| Current assets | 29/58 | €144,338 | €151,687 | +€7,349 | +5.1% |
| Current investments | 50/53 | €0 | - | = | |
| Cash at bank and in hand | 54/58 | €64,207 | €79,858 | +€15,651 | +24.4% |
| Deferred charges and accrued income | 490/1 | €80,131 | €71,829 | -€8,301 | -10.4% |
| Total equity and liabilities | 10/49 | €616,716 | €529,618 | -€87,099 | -14.1% |
| Equity | 10/15 | €6,755 | -€44,601 | -€51,355 | |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €1,755 | €0 | -€1,755 | -100% |
| Distributable reserves | 133 | €1,755 | €0 | -€1,755 | -100% |
| Profit (loss) carried forward | 14 | - | -€49,601 | -€49,601 | |
| Amounts payable | 17/49 | €609,962 | €574,218 | -€35,743 | -5.9% |
| Amounts payable after more than one year | 17 | €528,323 | €479,181 | -€49,142 | -9.3% |
| Financial debts | 170/4 | €528,323 | €479,181 | -€49,142 | -9.3% |
| Amounts payable within one year | 42/48 | €81,639 | €95,038 | +€13,399 | +16.4% |
| Current portion of amounts payable after more than one year | 42 | €47,224 | €49,142 | +€1,918 | +4.1% |
| Financial debts | 43 | €0 | - | = | |
| Credit institutions | 430/8 | €0 | - | = | |
| Trade debts | 44 | €7,512 | €9,899 | +€2,386 | +31.8% |
| Suppliers | 440/4 | €7,512 | €9,899 | +€2,386 | +31.8% |
| Taxes, remuneration and social security | 45 | €18,139 | €28,270 | +€10,130 | +55.8% |
| Taxes | 450/3 | €3,861 | €3,996 | +€135 | +3.5% |
| Remuneration and social security | 454/9 | €14,278 | €24,274 | +€9,996 | +70.0% |
| Other amounts payable | 47/48 | €8,763 | €7,727 | -€1,036 | -11.8% |
| Remuneration, social security and pensions | 62 | €137,777 | €150,904 | +€13,128 | +9.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €95,502 | €96,558 | +€1,056 | +1.1% |
| Other operating charges | 640/8 | €4,291 | €4,258 | -€33 | -0.8% |
| Gross operating margin | 9900 | €261,330 | €215,976 | -€45,353 | -17.4% |
| Operating profit (loss) | 9901 | €23,760 | -€35,743 | -€59,503 | |
| Financial income | 75/76B | €297 | €1,038 | +€742 | +250% |
| Recurring financial income | 75 | €297 | €1,038 | +€742 | +250% |
| Financial charges | 65/66B | €18,502 | €16,210 | -€2,292 | -12.4% |
| Recurring financial charges | 65 | €18,502 | €16,210 | -€2,292 | -12.4% |
| Profit (loss) for the period before taxes | 9903 | €5,554 | -€50,915 | -€56,470 | |
| Income taxes | 67/77 | €3,873 | €440 | -€3,433 | -88.6% |
| Profit (loss) for the period | 9904 | €1,681 | -€51,355 | -€53,037 | |
| Profit (loss) for the period to be appropriated | 9905 | €1,681 | -€51,355 | -€53,037 |
Next steps
Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 6 November 2026 via checked.be.