STROH 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.
STROH INSURANCE
Largest movements
- Intangible fixed assets -€11,781
down €11,781 (-100%), from €11,781 to €0
- Deferred charges and accrued income -€10,073
down €10,073 (-82.0%), from €12,288 to €2,214
- Financial fixed assets +€5,250
new in 2025: €5,250
- Receivables within one year -€3,573
down €3,573 (-5.4%), from €65,960 to €62,387
of which Trade receivables: -€7,918
- Tangible fixed assets -€3,152
down €3,152 (-46.1%), from €6,840 to €3,687
- Debts after one year -€21,542
down €21,542 (-59.6%), from €36,143 to €14,600
- Gross operating margin -€13,501
down €13,501 (-19.8%), from €68,044 to €54,543
- Depreciation -€11,435
down €11,435 (-43.4%), from €26,368 to €14,933
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 | €117,205 | €95,004 | -€22,201 | -18.9% |
| Fixed assets | 21/28 | €18,621 | €8,937 | -€9,683 | -52.0% |
| Intangible fixed assets | 21 | €11,781 | €0 | -€11,781 | -100% |
| Tangible fixed assets | 22/27 | €6,840 | €3,687 | -€3,152 | -46.1% |
| Furniture and vehicles | 24 | €6,840 | €3,687 | -€3,152 | -46.1% |
| Financial fixed assets | 28 | - | €5,250 | +€5,250 | |
| Current assets | 29/58 | €98,584 | €86,067 | -€12,517 | -12.7% |
| Amounts receivable within one year | 40/41 | €65,960 | €62,387 | -€3,573 | -5.4% |
| Trade receivables | 40 | €65,960 | €58,042 | -€7,918 | -12.0% |
| Other amounts receivable | 41 | - | €4,345 | +€4,345 | |
| Cash at bank and in hand | 54/58 | €20,337 | €21,466 | +€1,129 | +5.6% |
| Deferred charges and accrued income | 490/1 | €12,288 | €2,214 | -€10,073 | -82.0% |
| Total equity and liabilities | 10/49 | €117,205 | €95,004 | -€22,201 | -18.9% |
| Equity | 10/15 | €1,000 | €1,000 | = | 0.0% |
| Contributions | 10/11 | €1,000 | €1,000 | = | 0.0% |
| Amounts payable | 17/49 | €116,205 | €94,004 | -€22,201 | -19.1% |
| Amounts payable after more than one year | 17 | €36,143 | €14,600 | -€21,542 | -59.6% |
| Financial debts | 170/4 | €36,143 | €14,600 | -€21,542 | -59.6% |
| Amounts payable within one year | 42/48 | €64,507 | €62,961 | -€1,546 | -2.4% |
| Current portion of amounts payable after more than one year | 42 | €21,120 | €21,542 | +€422 | +2.0% |
| Trade debts | 44 | €4,337 | €3,802 | -€535 | -12.3% |
| Suppliers | 440/4 | €4,337 | €3,802 | -€535 | -12.3% |
| Taxes, remuneration and social security | 45 | €9,612 | €9,226 | -€386 | -4.0% |
| Taxes | 450/3 | €9,612 | €9,226 | -€386 | -4.0% |
| Other amounts payable | 47/48 | €29,438 | €28,391 | -€1,047 | -3.6% |
| Accrued charges and deferred income | 492/3 | €15,555 | €16,442 | +€887 | +5.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €26,368 | €14,933 | -€11,435 | -43.4% |
| Other operating charges | 640/8 | €1,320 | €1,833 | +€514 | +38.9% |
| Gross operating margin | 9900 | €68,044 | €54,543 | -€13,501 | -19.8% |
| Operating profit (loss) | 9901 | €40,356 | €37,776 | -€2,580 | -6.4% |
| Financial income | 75/76B | - | €11 | +€11 | |
| Recurring financial income | 75 | - | €11 | +€11 | |
| Financial charges | 65/66B | €1,611 | €1,540 | -€71 | -4.4% |
| Recurring financial charges | 65 | €1,611 | €1,540 | -€71 | -4.4% |
| Profit (loss) for the period before taxes | 9903 | €38,745 | €36,246 | -€2,498 | -6.4% |
| Income taxes | 67/77 | €9,578 | €9,655 | +€77 | +0.8% |
| Profit (loss) for the period | 9904 | €29,166 | €26,592 | -€2,575 | -8.8% |
| Profit (loss) for the period to be appropriated | 9905 | €29,166 | €26,592 | -€2,575 | -8.8% |
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 25 October 2026 via checked.be.