Vinsurance: 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.
Vinsurance
Largest movements
- Financial fixed assets -€6.8m
down €6.8m (-100%), from €6.8m to €0
- Contributions -€6.7m
down €6.7m (-100.0%), from €6.8m to €1
of which Capital: -€6.8m
- Financial income +€5.6m
up €5.6m (+4,976%), from €112,228 to €5.7m
of which Non-recurring financial income: +€5.5m
- Gross operating margin -€9,587
down €9,587 (-158%), from -€6,050 to -€15,637
- Other operating charges +€293
up €293 (+24.5%), from €1,193 to €1,486
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 | €6,811,486 | €2,590 | -€6.8m | -100.0% |
| Fixed assets | 21/28 | €6,780,840 | €0 | -€6.8m | -100% |
| Financial fixed assets | 28 | €6,780,840 | €0 | -€6.8m | -100% |
| Current assets | 29/58 | €30,646 | €2,590 | -€28,056 | -91.5% |
| Amounts receivable within one year | 40/41 | €750 | €0 | -€750 | -100% |
| Other amounts receivable | 41 | €750 | €0 | -€750 | -100% |
| Cash at bank and in hand | 54/58 | €29,896 | €2,590 | -€27,306 | -91.3% |
| Total equity and liabilities | 10/49 | €6,811,486 | €2,590 | -€6.8m | -100.0% |
| Equity | 10/15 | €6,805,436 | €2,334 | -€6.8m | -100.0% |
| Contributions | 10/11 | €6,750,000 | €1 | -€6.7m | -100.0% |
| Capital | 10 | €6,750,000 | €0 | -€6.8m | -100% |
| Issued capital | 100 | €6,750,000 | €0 | -€6.8m | -100% |
| Contributions outside capital | 11 | - | €1 | +€1 | |
| Other | 1109/19 | - | €1 | +€1 | |
| Reserves | 13 | €55,436 | €0 | -€55,436 | -100% |
| Non-distributable reserves | 130/1 | €23,873 | €0 | -€23,873 | -100% |
| Legal reserve | 130 | €23,873 | €0 | -€23,873 | -100% |
| Distributable reserves | 133 | €31,562 | €0 | -€31,562 | -100% |
| Profit (loss) carried forward | 14 | €0 | €2,333 | +€2,333 | |
| Amounts payable | 17/49 | €6,050 | €256 | -€5,794 | -95.8% |
| Amounts payable within one year | 42/48 | €6,050 | €256 | -€5,794 | -95.8% |
| Trade debts | 44 | €6,050 | €256 | -€5,794 | -95.8% |
| Suppliers | 440/4 | €6,050 | €256 | -€5,794 | -95.8% |
| Other operating charges | 640/8 | €1,193 | €1,486 | +€293 | +24.5% |
| Gross operating margin | 9900 | -€6,050 | -€15,637 | -€9,587 | -158% |
| Operating profit (loss) | 9901 | -€7,243 | -€17,123 | -€9,880 | -136% |
| Financial income | 75/76B | €112,228 | €5,696,337 | +€5.6m | +4,976% |
| Recurring financial income | 75 | €112,228 | €180,695 | +€68,467 | +61.0% |
| Non-recurring financial income | 76B | - | €5,515,642 | +€5.5m | |
| Financial charges | 65/66B | €215 | €221 | +€6 | +2.6% |
| Recurring financial charges | 65 | €215 | €221 | +€6 | +2.6% |
| Profit (loss) for the period before taxes | 9903 | €104,769 | €5,678,993 | +€5.6m | +5,320% |
| Profit (loss) for the period | 9904 | €104,769 | €5,678,993 | +€5.6m | +5,320% |
| Profit (loss) for the period to be appropriated | 9905 | €104,769 | €5,678,993 | +€5.6m | +5,320% |
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 27 October 2026 via checked.be.