TRYGGR: 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.
TRYGGR
Largest movements
- Current investments +€49,383
new in 2025: €49,383
- Deferred charges and accrued income -€16,101
down €16,101 (-26.1%), from €61,652 to €45,551
- Cash -€7,503
down €7,503 (-8.0%), from €93,915 to €86,412
mainly Current investments (-€49,383) and Receivables within one year (-€6,550)
- Receivables within one year +€6,550
up €6,550 (+372%), from €1,759 to €8,309
of which Trade receivables: +€6,368
- Reserves +€29,367
up €29,367 (+29.0%), from €101,297 to €130,664
- Tax, wage and social debts +€7,504
up €7,504 (+83.4%), from €8,997 to €16,502
of which Taxes: +€7,504
- Provisions -€4,296
down €4,296 (-21.5%), from €20,000 to €15,704
- Trade debts +€2,026
up €2,026 (+246%), from €823 to €2,850
- Gross operating margin -€122,018
down €122,018 (-75.4%), from €161,790 to €39,772
- Staff costs -€113,185
down €113,185 (-100%), from €113,185 to €0
- Provisions -€24,296
down €24,296, from €20,000 to -€4,296
- Taxes +€5,093
up €5,093 (+57.9%), from €8,798 to €13,891
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 | €157,366 | €191,284 | +€33,918 | +21.6% |
| Fixed assets | 21/28 | €40 | €1,630 | +€1,590 | +3,974% |
| Tangible fixed assets | 22/27 | €0 | €1,590 | +€1,590 | |
| Plant, machinery and equipment | 23 | €0 | €1,590 | +€1,590 | |
| Financial fixed assets | 28 | €40 | €40 | = | 0.0% |
| Current assets | 29/58 | €157,326 | €189,654 | +€32,328 | +20.5% |
| Amounts receivable within one year | 40/41 | €1,759 | €8,309 | +€6,550 | +372% |
| Trade receivables | 40 | - | €6,368 | +€6,368 | |
| Other amounts receivable | 41 | €1,759 | €1,941 | +€182 | +10.3% |
| Current investments | 50/53 | - | €49,383 | +€49,383 | |
| Cash at bank and in hand | 54/58 | €93,915 | €86,412 | -€7,503 | -8.0% |
| Deferred charges and accrued income | 490/1 | €61,652 | €45,551 | -€16,101 | -26.1% |
| Total equity and liabilities | 10/49 | €157,366 | €191,284 | +€33,918 | +21.6% |
| Equity | 10/15 | €126,861 | €156,228 | +€29,367 | +23.1% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €101,297 | €130,664 | +€29,367 | +29.0% |
| Distributable reserves | 133 | €101,297 | €130,664 | +€29,367 | +29.0% |
| Profit (loss) carried forward | 14 | €19,364 | €19,364 | = | 0.0% |
| Provisions and deferred taxes | 16 | €20,000 | €15,704 | -€4,296 | -21.5% |
| Provisions for liabilities and charges | 160/5 | €20,000 | €15,704 | -€4,296 | -21.5% |
| Other liabilities and charges | 164/5 | €20,000 | €15,704 | -€4,296 | -21.5% |
| Amounts payable | 17/49 | €10,505 | €19,351 | +€8,847 | +84.2% |
| Amounts payable within one year | 42/48 | €10,505 | €19,351 | +€8,847 | +84.2% |
| Trade debts | 44 | €823 | €2,850 | +€2,026 | +246% |
| Suppliers | 440/4 | €823 | €2,850 | +€2,026 | +246% |
| Taxes, remuneration and social security | 45 | €8,997 | €16,502 | +€7,504 | +83.4% |
| Taxes | 450/3 | €8,997 | €16,502 | +€7,504 | +83.4% |
| Remuneration and social security | 454/9 | €0 | - | = | |
| Other amounts payable | 47/48 | €684 | €0 | -€684 | -100% |
| Accrued charges and deferred income | 492/3 | €0 | - | = | |
| Remuneration, social security and pensions | 62 | €113,185 | €0 | -€113,185 | -100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €393 | €178 | -€215 | -54.6% |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | €20,000 | -€4,296 | -€24,296 | |
| Other operating charges | 640/8 | €1,075 | €660 | -€415 | -38.6% |
| Non-recurring operating charges | 66A | €1,640 | €0 | -€1,640 | -100% |
| Gross operating margin | 9900 | €161,790 | €39,772 | -€122,018 | -75.4% |
| Operating profit (loss) | 9901 | €25,498 | €43,229 | +€17,731 | +69.5% |
| Financial income | 75/76B | €901 | €725 | -€176 | -19.5% |
| Recurring financial income | 75 | €901 | €725 | -€176 | -19.5% |
| Financial charges | 65/66B | €1,738 | €696 | -€1,041 | -59.9% |
| Recurring financial charges | 65 | €1,738 | €696 | -€1,041 | -59.9% |
| Profit (loss) for the period before taxes | 9903 | €24,661 | €43,258 | +€18,597 | +75.4% |
| Income taxes | 67/77 | €8,798 | €13,891 | +€5,093 | +57.9% |
| Profit (loss) for the period | 9904 | €15,863 | €29,367 | +€13,504 | +85.1% |
| Profit (loss) for the period to be appropriated | 9905 | €15,863 | €29,367 | +€13,504 | +85.1% |
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 31 October 2026 via checked.be.