TEAM ASSUR: 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.
TEAM ASSUR
Largest movements
- Cash -€3,273
down €3,273 (-10.4%), from €31,545 to €28,272
mainly Contributions, distributions and other (-€4,528) and Investment in fixed assets (net) (-€3,376)
- Receivables within one year +€2,655
up €2,655 (+23.8%), from €11,166 to €13,821
- Tangible fixed assets +€2,648
up €2,648 (+361%), from €733 to €3,382
- Other debts +€2,041
up €2,041 (+61.9%), from €3,296 to €5,337
- Tax, wage and social debts -€832
down €832 (-10.4%), from €8,020 to €7,188
- Profit (loss) carried forward +€574
up €574 (+12.7%), from €4,528 to €5,102
- Accrued charges and deferred income +€480
up €480 (+5.2%), from €9,161 to €9,640
- Taxes -€832
down €832 (-25.1%), from €3,320 to €2,488
- Depreciation +€462
up €462 (+174%), from €266 to €728
- Other operating charges -€442
down €442 (-50.4%), from €877 to €435
- Gross operating margin -€249
down €249 (-2.6%), from €9,382 to €9,134
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 | €43,597 | €45,628 | +€2,031 | +4.7% |
| Fixed assets | 21/28 | €886 | €3,534 | +€2,648 | +299% |
| Tangible fixed assets | 22/27 | €733 | €3,382 | +€2,648 | +361% |
| Furniture and vehicles | 24 | €733 | €3,382 | +€2,648 | +361% |
| Financial fixed assets | 28 | €153 | €153 | = | 0.0% |
| Current assets | 29/58 | €42,711 | €42,093 | -€618 | -1.4% |
| Amounts receivable within one year | 40/41 | €11,166 | €13,821 | +€2,655 | +23.8% |
| Trade receivables | 40 | €11,166 | €13,821 | +€2,655 | +23.8% |
| Cash at bank and in hand | 54/58 | €31,545 | €28,272 | -€3,273 | -10.4% |
| Total equity and liabilities | 10/49 | €43,597 | €45,628 | +€2,031 | +4.7% |
| Equity | 10/15 | €22,888 | €23,462 | +€574 | +2.5% |
| Contributions | 10/11 | €16,500 | €16,500 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €4,528 | €5,102 | +€574 | +12.7% |
| Amounts payable | 17/49 | €20,709 | €22,166 | +€1,457 | +7.0% |
| Amounts payable within one year | 42/48 | €11,549 | €12,526 | +€977 | +8.5% |
| Trade debts | 44 | €232 | - | -€232 | |
| Suppliers | 440/4 | €232 | - | -€232 | |
| Taxes, remuneration and social security | 45 | €8,020 | €7,188 | -€832 | -10.4% |
| Taxes | 450/3 | €8,020 | €7,188 | -€832 | -10.4% |
| Other amounts payable | 47/48 | €3,296 | €5,337 | +€2,041 | +61.9% |
| Accrued charges and deferred income | 492/3 | €9,161 | €9,640 | +€480 | +5.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €266 | €728 | +€462 | +174% |
| Other operating charges | 640/8 | €877 | €435 | -€442 | -50.4% |
| Gross operating margin | 9900 | €9,382 | €9,134 | -€249 | -2.6% |
| Operating profit (loss) | 9901 | €8,239 | €7,971 | -€268 | -3.3% |
| Financial income | 75/76B | €3 | €15 | +€12 | +479% |
| Recurring financial income | 75 | €3 | €15 | +€12 | +479% |
| Financial charges | 65/66B | €394 | €396 | +€3 | +0.6% |
| Recurring financial charges | 65 | €394 | €396 | +€3 | +0.6% |
| Profit (loss) for the period before taxes | 9903 | €7,848 | €7,590 | -€258 | -3.3% |
| Income taxes | 67/77 | €3,320 | €2,488 | -€832 | -25.1% |
| Profit (loss) for the period | 9904 | €4,528 | €5,102 | +€574 | +12.7% |
| Profit (loss) for the period to be appropriated | 9905 | €4,528 | €5,102 | +€574 | +12.7% |
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 20 October 2026 via checked.be.