A & H d'Affnay: what changed
What changed
A & H d'Affnay
NACE 68.310, Real estate agency activities
filed annual accounts (NBB)
Net result for the year
€28,372
2024 · €39,841-€11,469
Equity
€152,698
2024 · €126,114+€26,584
Cash
€154,213
2024 · €105,330+€48,882
Balance sheet total
€553,246
2024 · €501,727+€51,519
Largest movements
Assets
- Cash +€48,882
up €48,882 (+46.4%), from €105,330 to €154,213
mainly Advances received (+€37,750) and Net result for the year (+€28,372)
- Receivables within one year +€25,142
up €25,142 (+74.5%), from €33,761 to €58,902
of which Trade receivables: +€25,142
- Tangible fixed assets -€20,446
down €20,446 (-5.8%), from €350,157 to €329,712
of which Land and buildings: -€17,135
Equity and liabilities
- Reserves +€70,409
up €70,409 (+2,954%), from €2,384 to €72,792
of which Distributable reserves: +€68,990
- Profit (loss) carried forward -€42,036
down €42,036 (-100%), from €42,036 to €0
- Advances received +€37,750
up €37,750 (+111%), from €34,000 to €71,750
- Debts after one year -€26,221
down €26,221 (-16.2%), from €161,795 to €135,574
- Trade debts +€10,171
up €10,171 (+25.6%), from €39,716 to €49,887
Income statement
- Gross operating margin -€10,140
down €10,140 (-4.0%), from €256,388 to €246,247
- Staff costs +€6,690
up €6,690 (+4.2%), from €159,633 to €166,324
- Taxes -€5,167
down €5,167 (-25.9%), from €19,966 to €14,799
- Other operating charges -€4,365
down €4,365 (-32.4%), from €13,483 to €9,118
- Depreciation +€2,925
up €2,925 (+14.5%), from €20,103 to €23,028
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
€39,841
Gross operating margin
-€10,140
Staff costs
-€6,690
Depreciation
-€2,925
Write-downs
-€1,583
Other operating charges
+€4,365
Financial income
+€619
Financial charges
-€281
Taxes
+€5,167
Result 2025
€28,372
raises the resultlowers the result
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
+€82,216
Investment
+€251
Financing
-€33,585
Cash 2024
€105,330
From operations (derived)
+€82,216
Net result for the year
+€28,372
Depreciation
+€23,028
Receivables within one year
-€25,142
Deferred charges and accrued income
-€774
Provisions
-€447
Trade debts
+€10,171
Tax, wage and social debts
+€10,149
Advances received
+€37,750
Other debts
-€892
Investment (derived)
+€251
Investment in fixed assets (net)
+€251
Financing
-€33,585
Debts after one year
-€26,221
Current portion of long-term debt
-€5,575
Contributions, distributions and other
-€1,789
Cash 2025
€154,213
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €501,727 | €553,246 | +€51,519 | +10.3% |
| Fixed assets | 21/28 | €360,072 | €336,793 | -€23,279 | -6.5% |
| Intangible fixed assets | 21 | €9,664 | €7,081 | -€2,582 | -26.7% |
| Tangible fixed assets | 22/27 | €350,157 | €329,712 | -€20,446 | -5.8% |
| Land and buildings | 22 | €334,027 | €316,892 | -€17,135 | -5.1% |
| Plant, machinery and equipment | 23 | €3,331 | €2,716 | -€615 | -18.5% |
| Furniture and vehicles | 24 | €12,800 | €10,104 | -€2,696 | -21.1% |
| Financial fixed assets | 28 | €251 | €0 | -€251 | -100% |
| Current assets | 29/58 | €141,655 | €216,453 | +€74,798 | +52.8% |
| Amounts receivable within one year | 40/41 | €33,761 | €58,902 | +€25,142 | +74.5% |
| Trade receivables | 40 | €33,761 | €58,902 | +€25,142 | +74.5% |
| Other amounts receivable | 41 | €0 | - | = | |
| Cash at bank and in hand | 54/58 | €105,330 | €154,213 | +€48,882 | +46.4% |
| Deferred charges and accrued income | 490/1 | €2,564 | €3,338 | +€774 | +30.2% |
| Total equity and liabilities | 10/49 | €501,727 | €553,246 | +€51,519 | +10.3% |
| Equity | 10/15 | €126,114 | €152,698 | +€26,584 | +21.1% |
| Contributions | 10/11 | €75,000 | €75,000 | = | 0.0% |
| Capital | 10 | €75,000 | €75,000 | = | 0.0% |
| Issued capital | 100 | €75,000 | €75,000 | = | 0.0% |
| Reserves | 13 | €2,384 | €72,792 | +€70,409 | +2,954% |
| Non-distributable reserves | 130/1 | €2,384 | €3,802 | +€1,419 | +59.5% |
| Legal reserve | 130 | €2,384 | €3,802 | +€1,419 | +59.5% |
| Distributable reserves | 133 | - | €68,990 | +€68,990 | |
| Profit (loss) carried forward | 14 | €42,036 | €0 | -€42,036 | -100% |
| Investment grants | 15 | €6,694 | €4,905 | -€1,789 | -26.7% |
| Provisions and deferred taxes | 16 | €1,673 | €1,226 | -€447 | -26.7% |
| Deferred taxes | 168 | €1,673 | €1,226 | -€447 | -26.7% |
| Amounts payable | 17/49 | €373,940 | €399,322 | +€25,382 | +6.8% |
| Amounts payable after more than one year | 17 | €161,795 | €135,574 | -€26,221 | -16.2% |
| Financial debts | 170/4 | €161,795 | €135,574 | -€26,221 | -16.2% |
| Amounts payable within one year | 42/48 | €212,145 | €263,748 | +€51,603 | +24.3% |
| Current portion of amounts payable after more than one year | 42 | €32,125 | €26,550 | -€5,575 | -17.4% |
| Financial debts | 43 | €0 | - | = | |
| Credit institutions | 430/8 | €0 | - | = | |
| Trade debts | 44 | €39,716 | €49,887 | +€10,171 | +25.6% |
| Suppliers | 440/4 | €39,716 | €49,887 | +€10,171 | +25.6% |
| Advances received on contracts in progress | 46 | €34,000 | €71,750 | +€37,750 | +111% |
| Taxes, remuneration and social security | 45 | €61,249 | €71,398 | +€10,149 | +16.6% |
| Taxes | 450/3 | €42,509 | €52,113 | +€9,604 | +22.6% |
| Remuneration and social security | 454/9 | €18,740 | €19,285 | +€545 | +2.9% |
| Other amounts payable | 47/48 | €45,055 | €44,163 | -€892 | -2.0% |
| Non-recurring operating income | 76A | €5,963 | €0 | -€5,963 | -100% |
| Remuneration, social security and pensions | 62 | €159,633 | €166,324 | +€6,690 | +4.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €20,103 | €23,028 | +€2,925 | +14.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | -€1,583 | €0 | +€1,583 | |
| Other operating charges | 640/8 | €13,483 | €9,118 | -€4,365 | -32.4% |
| Gross operating margin | 9900 | €256,388 | €246,247 | -€10,140 | -4.0% |
| Operating profit (loss) | 9901 | €64,750 | €47,778 | -€16,973 | -26.2% |
| Financial income | 75/76B | €1,832 | €2,451 | +€619 | +33.8% |
| Recurring financial income | 75 | €1,832 | €2,451 | +€619 | +33.8% |
| Financial charges | 65/66B | €7,222 | €7,504 | +€281 | +3.9% |
| Recurring financial charges | 65 | €7,222 | €7,504 | +€281 | +3.9% |
| Profit (loss) for the period before taxes | 9903 | €59,360 | €42,724 | -€16,636 | -28.0% |
| Transfer from deferred taxes | 780 | €447 | €447 | = | 0.0% |
| Income taxes | 67/77 | €19,966 | €14,799 | -€5,167 | -25.9% |
| Profit (loss) for the period | 9904 | €39,841 | €28,372 | -€11,469 | -28.8% |
| Profit (loss) for the period to be appropriated | 9905 | €39,841 | €28,372 | -€11,469 | -28.8% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 3 November 2026 via checked.be.