Skip to content

A&D: what changed

Two fiscal 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.

What changed

A&D

BE 0840.438.682
NACE 41.001, General construction of residential buildings
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€45,833
2024 · €221,347-€267,180
Equity
€391,354
2024 · €437,187-€45,833
Cash
€9,824
2024 · €225,080-€215,256
Balance sheet total
€1.4m
2024 · €919,998+€447,732

Largest movements

2024 to 2025
Assets
  • Stocks and contracts +€430,872

    up €430,872 (+86.3%), from €499,070 to €929,942

  • Cash -€215,256

    down €215,256 (-95.6%), from €225,080 to €9,824

    mainly Stocks and contracts (-€430,872) and Receivables within one year (-€208,780)

  • Receivables within one year +€208,780

    up €208,780 (+763.1%), from €27,358 to €236,138

    of which Trade receivables: +€183,834

  • Deferred charges and accrued income +€187,309

    up €187,309 (+4147.6%), from €4,516 to €191,825

  • Tangible fixed assets -€163,973

    down €163,973 (-100.0%), from €163,973 to €0

    of which Furniture and vehicles: -€128,987

Equity and liabilities
  • Debts after one year +€316,051

    up €316,051 (+82.8%), from €381,741 to €697,792

  • Tax, wage and social debts +€229,775

    up €229,775 (+5739.7%), from €4,003 to €233,778

  • Short-term financial debts -€58,333

    down €58,333 (-100.0%), from €58,333 to €0

  • Profit (loss) carried forward -€45,833

    down €45,833 (-37.8%), from €121,347 to €75,513

Income statement
  • Gross operating margin -€339,612

    down €339,612 (-91.5%), from €371,029 to €31,417

  • Taxes -€74,623

    down €74,623 (-99.5%), from €74,961 to €338

  • Other operating charges +€53,094

    up €53,094 (+1769.1%), from €3,001 to €56,096

  • Depreciation -€34,748

    down €34,748 (-100.0%), from €34,748 to €0

  • Financial charges -€15,236

    down €15,236 (-40.1%), from €37,980 to €22,743

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 €221,347
Gross operating margin -€339,612
Depreciation +€34,748
Other operating charges -€53,094
Financial income +€920
Financial charges +€15,236
Taxes +€74,623
Result 2025 -€45,833

Cash bridge derived

cash 2024 to 2025

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.

From operations -€636,875
Investment +€163,973
Financing +€257,647
Cash 2024 €225,080
Net result for the year -€45,833
Stocks and contracts -€430,872
Receivables within one year -€208,780
Deferred charges and accrued income -€187,309
Trade debts +€6,144
Tax, wage and social debts +€229,775
Investment in fixed assets (net) +€163,973
Debts after one year +€316,051
Current portion of long-term debt -€71
Short-term financial debts -€58,333
Cash 2025 €9,824
Every line side by side 48 lines
Line Code 2024 2025 Change %
Total assets 20/58 €919,998 €1,367,730 +€447,732 +48.7%
Fixed assets 21/28 €163,973 €0 -€163,973 -100.0%
Tangible fixed assets 22/27 €163,973 €0 -€163,973 -100.0%
Land and buildings 22 €27,210 €0 -€27,210 -100.0%
Plant, machinery and equipment 23 €7,776 €0 -€7,776 -100.0%
Furniture and vehicles 24 €128,987 €0 -€128,987 -100.0%
Current assets 29/58 €756,025 €1,367,730 +€611,705 +80.9%
Stocks and contracts in progress 3 €499,070 €929,942 +€430,872 +86.3%
Stocks 30/36 €499,070 €929,942 +€430,872 +86.3%
Amounts receivable within one year 40/41 €27,358 €236,138 +€208,780 +763.1%
Trade receivables 40 €7,503 €191,337 +€183,834 +2450.2%
Other amounts receivable 41 €19,856 €44,801 +€24,945 +125.6%
Cash at bank and in hand 54/58 €225,080 €9,824 -€215,256 -95.6%
Deferred charges and accrued income 490/1 €4,516 €191,825 +€187,309 +4147.6%
Total equity and liabilities 10/49 €919,998 €1,367,730 +€447,732 +48.7%
Equity 10/15 €437,187 €391,354 -€45,833 -10.5%
Contributions 10/11 €18,550 €18,550 = 0.0%
Reserves 13 €297,291 €297,291 = 0.0%
Non-distributable reserves 130/1 €1,855 €1,855 = 0.0%
Reserves not available under the articles 1311 €1,855 €1,855 = 0.0%
Distributable reserves 133 €295,436 €295,436 = 0.0%
Profit (loss) carried forward 14 €121,347 €75,513 -€45,833 -37.8%
Amounts payable 17/49 €482,810 €976,376 +€493,566 +102.2%
Amounts payable after more than one year 17 €381,741 €697,792 +€316,051 +82.8%
Financial debts 170/4 €381,741 €697,792 +€316,051 +82.8%
Amounts payable within one year 42/48 €99,719 €277,234 +€177,515 +178.0%
Current portion of amounts payable after more than one year 42 €15,893 €15,822 -€71 -0.4%
Financial debts 43 €58,333 €0 -€58,333 -100.0%
Credit institutions 430/8 €58,333 €0 -€58,333 -100.0%
Trade debts 44 €21,489 €27,634 +€6,144 +28.6%
Suppliers 440/4 €21,489 €27,634 +€6,144 +28.6%
Taxes, remuneration and social security 45 €4,003 €233,778 +€229,775 +5739.7%
Taxes 450/3 €4,003 €233,778 +€229,775 +5739.7%
Other amounts payable 47/48 €0 - =
Accrued charges and deferred income 492/3 €1,350 €1,350 = 0.0%
Non-recurring operating income 76A €558,172 €186,094 -€372,078 -66.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €34,748 €0 -€34,748 -100.0%
Other operating charges 640/8 €3,001 €56,096 +€53,094 +1769.1%
Gross operating margin 9900 €371,029 €31,417 -€339,612 -91.5%
Operating profit (loss) 9901 €333,280 -€24,679 -€357,958
Financial income 75/76B €1,008 €1,927 +€920 +91.3%
Recurring financial income 75 €1,008 €1,927 +€920 +91.3%
Financial charges 65/66B €37,980 €22,743 -€15,236 -40.1%
Recurring financial charges 65 €37,980 €22,743 -€15,236 -40.1%
Profit (loss) for the period before taxes 9903 €296,308 -€45,495 -€341,803
Income taxes 67/77 €74,961 €338 -€74,623 -99.5%
Profit (loss) for the period 9904 €221,347 -€45,833 -€267,180
Profit (loss) for the period to be appropriated 9905 €221,347 -€45,833 -€267,180

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.