7Habits: 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.
7Habits
Largest movements
- Cash +€86,889
up €86,889 (+542%), from €16,026 to €102,916
mainly Receivables within one year (+€54,915) and Net result for the year (+€37,289)
- Receivables within one year -€54,915
down €54,915 (-56.4%), from €97,405 to €42,490
of which Trade receivables: -€55,660
- Tangible fixed assets +€6,105
up €6,105 (+88.9%), from €6,870 to €12,976
of which Furniture and vehicles: +€4,804
- Reserves +€37,289
up €37,289 (+115%), from €32,566 to €69,855
of which Non-distributable reserves: +€37,289
- Tax, wage and social debts -€10,999
down €10,999 (-49.1%), from €22,379 to €11,380
- Other debts +€7,726
up €7,726 (+14.4%), from €53,808 to €61,533
- Current portion of long-term debt +€4,667
new in 2025: €4,667
- Gross operating margin +€11,870
up €11,870 (+23.6%), from €50,365 to €62,235
- Financial charges +€2,577
up €2,577 (+137%), from €1,885 to €4,462
- Depreciation +€1,853
up €1,853 (+50.2%), from €3,693 to €5,546
- Taxes +€1,592
up €1,592 (+12.6%), from €12,652 to €14,244
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 | €120,302 | €158,382 | +€38,080 | +31.7% |
| Fixed assets | 21/28 | €6,870 | €12,976 | +€6,105 | +88.9% |
| Tangible fixed assets | 22/27 | €6,870 | €12,976 | +€6,105 | +88.9% |
| Plant, machinery and equipment | 23 | €2,701 | €4,002 | +€1,301 | +48.2% |
| Furniture and vehicles | 24 | €4,170 | €8,974 | +€4,804 | +115% |
| Current assets | 29/58 | €113,431 | €145,406 | +€31,974 | +28.2% |
| Amounts receivable within one year | 40/41 | €97,405 | €42,490 | -€54,915 | -56.4% |
| Trade receivables | 40 | €97,405 | €41,745 | -€55,660 | -57.1% |
| Other amounts receivable | 41 | - | €745 | +€745 | |
| Cash at bank and in hand | 54/58 | €16,026 | €102,916 | +€86,889 | +542% |
| Total equity and liabilities | 10/49 | €120,302 | €158,382 | +€38,080 | +31.7% |
| Equity | 10/15 | €42,566 | €79,855 | +€37,289 | +87.6% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Reserves | 13 | €32,566 | €69,855 | +€37,289 | +115% |
| Non-distributable reserves | 130/1 | €31,566 | €68,855 | +€37,289 | +118% |
| Reserves not available under the articles | 1311 | €31,566 | €68,855 | +€37,289 | +118% |
| Distributable reserves | 133 | €1,000 | €1,000 | = | 0.0% |
| Amounts payable | 17/49 | €77,735 | €78,526 | +€791 | +1.0% |
| Amounts payable within one year | 42/48 | €77,735 | €78,526 | +€791 | +1.0% |
| Current portion of amounts payable after more than one year | 42 | - | €4,667 | +€4,667 | |
| Trade debts | 44 | €1,549 | €946 | -€603 | -38.9% |
| Suppliers | 440/4 | €1,549 | €946 | -€603 | -38.9% |
| Taxes, remuneration and social security | 45 | €22,379 | €11,380 | -€10,999 | -49.1% |
| Taxes | 450/3 | €22,379 | €11,380 | -€10,999 | -49.1% |
| Other amounts payable | 47/48 | €53,808 | €61,533 | +€7,726 | +14.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,693 | €5,546 | +€1,853 | +50.2% |
| Other operating charges | 640/8 | €569 | €694 | +€125 | +22.0% |
| Gross operating margin | 9900 | €50,365 | €62,235 | +€11,870 | +23.6% |
| Operating profit (loss) | 9901 | €46,103 | €55,995 | +€9,892 | +21.5% |
| Financial income | 75/76B | - | €0 | +€0 | |
| Recurring financial income | 75 | - | €0 | +€0 | |
| Financial charges | 65/66B | €1,885 | €4,462 | +€2,577 | +137% |
| Recurring financial charges | 65 | €1,885 | €4,462 | +€2,577 | +137% |
| Profit (loss) for the period before taxes | 9903 | €44,218 | €51,533 | +€7,315 | +16.5% |
| Income taxes | 67/77 | €12,652 | €14,244 | +€1,592 | +12.6% |
| Profit (loss) for the period | 9904 | €31,566 | €37,289 | +€5,723 | +18.1% |
| Profit (loss) for the period to be appropriated | 9905 | €31,566 | €37,289 | +€5,723 | +18.1% |
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 18 October 2026 via checked.be.