3bouw: what changed
What changed
3bouw
NACE 68.121, Development of residential building projects
filed annual accounts (NBB)
Net result for the year
€1.1m
2024 · €1.4m-€334,786
Equity
€3.8m
2024 · €3.8m
Cash
€2.0m
2024 · €5.2m-€3.2m
Balance sheet total
€9.0m
2024 · €8.5m+€443,680
Largest movements
Assets
- Cash -€3.2m
down €3.2m (-61.5%), from €5.2m to €2.0m
mainly Current investments (-€2.8m) and Contributions, distributions and other (-€1.1m)
- Current investments +€2.8m
up €2.8m (+374%), from €757,910 to €3.6m
- Stocks and contracts +€488,956
up €488,956 (+66.4%), from €736,860 to €1.2m
of which Stocks: +€482,149
- Receivables within one year +€248,446
up €248,446 (+35.5%), from €699,541 to €947,987
of which Trade receivables: +€187,320
Equity and liabilities
- Advances received +€821,197
up €821,197 (+49.1%), from €1.7m to €2.5m
- Other debts -€306,921
down €306,921 (-21.9%), from €1.4m to €1.1m
- Tax, wage and social debts -€271,509
down €271,509 (-46.5%), from €583,846 to €312,336
of which Taxes: -€288,449
- Trade debts +€260,555
up €260,555 (+26.8%), from €971,457 to €1.2m
Income statement
- Goods and materials +€847,035
up €847,035 (+9.6%), from €8.8m to €9.7m
of which Purchases: +€1.3m
- Turnover +€727,634
up €727,634 (+5.3%), from €13.8m to €14.5m
- Services and other goods +€556,666
up €556,666 (+32.0%), from €1.7m to €2.3m
- Staff costs +€212,888
up €212,888 (+11.6%), from €1.8m to €2.0m
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.
Result 2024
€1.4m
Turnover
+€727,634
Other operating income
-€34,891
Goods and materials
-€847,035
Services and other goods
-€556,666
Staff costs
-€212,888
Depreciation
-€67,606
Write-downs
+€7,718
Other operating charges
-€16,016
Other operating items
+€618,125
Financial income
-€48,498
Financial charges
-€22,698
Taxes
+€118,036
Result 2025
€1.1m
raises the resultlowers the resultnot broken down further in the accounts
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.
From operations
+€933,656
Investment
-€3.0m
Financing
-€1.1m
Cash 2024
€5.2m
From operations (derived)
+€933,656
Net result for the year
+€1.1m
Depreciation
+€209,782
Receivables after one year
-€50,000
Stocks and contracts
-€488,956
Receivables within one year
-€248,446
Deferred charges and accrued income
-€31,085
Trade debts
+€260,555
Tax, wage and social debts
-€271,509
Advances received
+€821,197
Other debts
-€306,921
Accrued charges and deferred income
-€54,042
Investment (derived)
-€3.0m
Investment in fixed assets (net)
-€189,309
Current investments
-€2.8m
Financing
-€1.1m
Short-term financial debts
-€5,601
Contributions, distributions and other
-€1.1m
Cash 2025
€2.0m
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €8,540,279 | €8,983,959 | +€443,680 | +5.2% |
| Fixed assets | 21/28 | €1,057,473 | €1,036,999 | -€20,474 | -1.9% |
| Intangible fixed assets | 21 | €56,291 | €62,133 | +€5,842 | +10.4% |
| Tangible fixed assets | 22/27 | €927,912 | €883,989 | -€43,923 | -4.7% |
| Land and buildings | 22 | €588,986 | €546,175 | -€42,811 | -7.3% |
| Plant, machinery and equipment | 23 | €47,309 | €93,910 | +€46,601 | +98.5% |
| Furniture and vehicles | 24 | €291,617 | €243,904 | -€47,714 | -16.4% |
| Financial fixed assets | 28 | €73,270 | €90,878 | +€17,608 | +24.0% |
| Other financial fixed assets | 284/8 | €73,270 | €90,878 | +€17,608 | +24.0% |
| Amounts receivable and cash guarantees | 285/8 | €73,270 | €90,878 | +€17,608 | +24.0% |
| Current assets | 29/58 | €7,482,806 | €7,946,960 | +€464,153 | +6.2% |
| Amounts receivable after more than one year | 29 | - | €50,000 | +€50,000 | |
| Other amounts receivable | 291 | - | €50,000 | +€50,000 | |
| Stocks and contracts in progress | 3 | €736,860 | €1,225,816 | +€488,956 | +66.4% |
| Stocks | 30/36 | €695,694 | €1,177,843 | +€482,149 | +69.3% |
| Property held for sale | 35 | €695,694 | €1,177,843 | +€482,149 | +69.3% |
| Contracts in progress | 37 | €41,166 | €47,973 | +€6,808 | +16.5% |
| Amounts receivable within one year | 40/41 | €699,541 | €947,987 | +€248,446 | +35.5% |
| Trade receivables | 40 | €621,087 | €808,407 | +€187,320 | +30.2% |
| Other amounts receivable | 41 | €78,454 | €139,580 | +€61,126 | +77.9% |
| Current investments | 50/53 | €757,910 | €3,594,689 | +€2.8m | +374% |
| Other investments | 51/53 | €757,910 | €3,594,689 | +€2.8m | +374% |
| Cash at bank and in hand | 54/58 | €5,185,159 | €1,994,047 | -€3.2m | -61.5% |
| Deferred charges and accrued income | 490/1 | €103,336 | €134,421 | +€31,085 | +30.1% |
| Total equity and liabilities | 10/49 | €8,540,279 | €8,983,959 | +€443,680 | +5.2% |
| Equity | 10/15 | €3,813,359 | €3,813,359 | = | 0.0% |
| Contributions | 10/11 | €30,000 | €30,000 | = | 0.0% |
| Reserves | 13 | €1,233,470 | €1,233,470 | = | 0.0% |
| Distributable reserves | 133 | €1,233,470 | €1,233,470 | = | 0.0% |
| Profit (loss) carried forward | 14 | €2,549,889 | €2,549,889 | = | 0.0% |
| Amounts payable | 17/49 | €4,726,920 | €5,170,600 | +€443,680 | +9.4% |
| Amounts payable within one year | 42/48 | €4,633,658 | €5,131,379 | +€497,721 | +10.7% |
| Financial debts | 43 | €5,601 | - | -€5,601 | |
| Credit institutions | 430/8 | €5,601 | - | -€5,601 | |
| Trade debts | 44 | €971,457 | €1,232,012 | +€260,555 | +26.8% |
| Suppliers | 440/4 | €971,457 | €1,232,012 | +€260,555 | +26.8% |
| Advances received on contracts in progress | 46 | €1,672,754 | €2,493,952 | +€821,197 | +49.1% |
| Taxes, remuneration and social security | 45 | €583,846 | €312,336 | -€271,509 | -46.5% |
| Taxes | 450/3 | €379,696 | €91,247 | -€288,449 | -76.0% |
| Remuneration and social security | 454/9 | €204,150 | €221,090 | +€16,940 | +8.3% |
| Other amounts payable | 47/48 | €1,400,000 | €1,093,079 | -€306,921 | -21.9% |
| Accrued charges and deferred income | 492/3 | €93,263 | €39,221 | -€54,042 | -57.9% |
| Operating income | 70/76A | €14,309,847 | €15,620,715 | +€1.3m | +9.2% |
| Turnover | 70 | €13,779,594 | €14,507,228 | +€727,634 | +5.3% |
| Change in stocks of work in progress, finished goods and contracts in progress | 71 | €249,273 | €867,397 | +€618,125 | +248% |
| Other operating income | 74 | €280,981 | €246,090 | -€34,891 | -12.4% |
| Operating charges | 60/66A | €12,578,363 | €14,270,857 | +€1.7m | +13.5% |
| Goods for resale, raw materials and consumables | 60 | €8,812,329 | €9,659,364 | +€847,035 | +9.6% |
| Purchases | 600/8 | €8,861,285 | €10,159,249 | +€1.3m | +14.6% |
| Change in stocks: decrease (increase) | 609 | -€48,955 | -€499,885 | -€450,930 | -921% |
| Services and other goods | 61 | €1,738,990 | €2,295,656 | +€556,666 | +32.0% |
| Remuneration, social security and pensions | 62 | €1,834,320 | €2,047,208 | +€212,888 | +11.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €142,176 | €209,782 | +€67,606 | +47.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €7,718 | - | -€7,718 | |
| Other operating charges | 640/8 | €42,830 | €58,846 | +€16,016 | +37.4% |
| Operating profit (loss) | 9901 | €1,731,484 | €1,349,859 | -€381,626 | -22.0% |
| Financial income | 75/76B | €180,702 | €132,204 | -€48,498 | -26.8% |
| Recurring financial income | 75 | €180,702 | €132,204 | -€48,498 | -26.8% |
| Income from financial fixed assets | 750 | - | €105,120 | +€105,120 | |
| Income from current assets | 751 | €151,698 | - | -€151,698 | |
| Other financial income | 752/9 | €29,004 | €27,083 | -€1,921 | -6.6% |
| Financial charges | 65/66B | -€4,539 | €18,160 | +€22,698 | |
| Recurring financial charges | 65 | -€4,539 | €18,160 | +€22,698 | |
| Debt charges | 650 | €6,290 | €1,262 | -€5,028 | -79.9% |
| Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals) | 651 | -€13,771 | €12,443 | +€26,214 | |
| Other financial charges | 652/9 | €2,943 | €4,455 | +€1,512 | +51.4% |
| Profit (loss) for the period before taxes | 9903 | €1,916,725 | €1,463,903 | -€452,822 | -23.6% |
| Income taxes | 67/77 | €488,859 | €370,824 | -€118,036 | -24.1% |
| Taxes | 670/3 | €488,859 | €370,856 | -€118,003 | -24.1% |
| Tax adjustments and reversals of tax provisions | 77 | - | €33 | +€33 | |
| Profit (loss) for the period | 9904 | €1,427,865 | €1,093,079 | -€334,786 | -23.4% |
| Profit (loss) for the period to be appropriated | 9905 | €1,427,865 | €1,093,079 | -€334,786 | -23.4% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 4 November 2026 via checked.be.