A SAINT JOSEPH: 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.
A SAINT JOSEPH
Largest movements
- Receivables within one year +€52,501
up €52,501 (+399%), from €13,174 to €65,674
of which Other amounts receivable: +€49,910
- Current investments -€50,000
no longer reported in 2025 (was €50,000)
- Stocks and contracts -€9,725
down €9,725 (-5.1%), from €191,657 to €181,931
- Profit (loss) carried forward -€17,999
down €17,999 (-84.3%), from €21,343 to €3,344
- Trade debts +€7,501
up €7,501, from €0 to €7,501
- Purchases and services -€113,502
no longer reported in 2025 (was €113,502)
- Turnover -€98,844
no longer reported in 2025 (was €98,844)
- Gross operating margin -€1,053
down €1,053 (-7.4%), from -€14,219 to -€15,272
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 | €427,684 | €416,056 | -€11,629 | -2.7% |
| Fixed assets | 21/28 | €20,814 | €20,320 | -€494 | -2.4% |
| Tangible fixed assets | 22/27 | €817 | €323 | -€494 | -60.5% |
| Plant, machinery and equipment | 23 | €645 | €323 | -€323 | -50.0% |
| Furniture and vehicles | 24 | €172 | - | -€172 | |
| Financial fixed assets | 28 | €19,998 | €19,998 | = | 0.0% |
| Current assets | 29/58 | €406,870 | €395,736 | -€11,135 | -2.7% |
| Stocks and contracts in progress | 3 | €191,657 | €181,931 | -€9,725 | -5.1% |
| Stocks | 30/36 | €191,657 | €181,931 | -€9,725 | -5.1% |
| Amounts receivable within one year | 40/41 | €13,174 | €65,674 | +€52,501 | +399% |
| Trade receivables | 40 | €4,878 | €7,469 | +€2,591 | +53.1% |
| Other amounts receivable | 41 | €8,296 | €58,205 | +€49,910 | +602% |
| Current investments | 50/53 | €50,000 | - | -€50,000 | |
| Cash at bank and in hand | 54/58 | €152,040 | €148,130 | -€3,910 | -2.6% |
| Total equity and liabilities | 10/49 | €427,684 | €416,056 | -€11,629 | -2.7% |
| Equity | 10/15 | €424,914 | €406,915 | -€17,999 | -4.2% |
| Contributions | 10/11 | €366,882 | €366,882 | = | 0.0% |
| Capital | 10 | €366,882 | €366,882 | = | 0.0% |
| Issued capital | 100 | €366,882 | €366,882 | = | 0.0% |
| Reserves | 13 | €36,688 | €36,688 | = | 0.0% |
| Non-distributable reserves | 130/1 | €36,688 | €36,688 | = | 0.0% |
| Legal reserve | 130 | €36,688 | €36,688 | = | 0.0% |
| Profit (loss) carried forward | 14 | €21,343 | €3,344 | -€17,999 | -84.3% |
| Amounts payable | 17/49 | €2,770 | €9,141 | +€6,370 | +230% |
| Amounts payable within one year | 42/48 | €2,770 | €9,141 | +€6,370 | +230% |
| Trade debts | 44 | €0 | €7,501 | +€7,501 | |
| Suppliers | 440/4 | €0 | €7,501 | +€7,501 | |
| Taxes, remuneration and social security | 45 | €2,770 | €1,640 | -€1,131 | -40.8% |
| Taxes | 450/3 | €2,770 | €1,640 | -€1,131 | -40.8% |
| Other amounts payable | 47/48 | €0 | - | = | |
| Turnover | 70 | €98,844 | - | -€98,844 | |
| Goods, raw materials, services and sundry goods | 60/61 | €113,502 | - | -€113,502 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €898 | €494 | -€404 | -45.0% |
| Other operating charges | 640/8 | €432 | €443 | +€11 | +2.6% |
| Non-recurring operating charges | 66A | €713 | - | -€713 | |
| Gross operating margin | 9900 | -€14,219 | -€15,272 | -€1,053 | -7.4% |
| Operating profit (loss) | 9901 | -€16,263 | -€16,209 | +€54 | +0.3% |
| Financial income | 75/76B | €279 | €172 | -€108 | -38.5% |
| Recurring financial income | 75 | €279 | €172 | -€108 | -38.5% |
| Financial charges | 65/66B | €1,490 | €1,858 | +€368 | +24.7% |
| Recurring financial charges | 65 | €1,490 | €1,858 | +€368 | +24.7% |
| Profit (loss) for the period before taxes | 9903 | -€17,474 | -€17,896 | -€422 | -2.4% |
| Profit (loss) for the period | 9904 | -€17,474 | -€17,896 | -€422 | -2.4% |
| Profit (loss) for the period to be appropriated | 9905 | -€17,474 | -€17,896 | -€422 | -2.4% |
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 25 October 2026 via checked.be.