A&Y RENOVATION: what changed
What changed
A&Y RENOVATION
NACE 68.110, Buying and selling of own real estate
filed annual accounts (NBB)
Net result for the year
€10,017
2024 · -€124,621+€134,638
Equity
-€67,850
2024 · -€77,868+€10,017
Cash
€781
2024 · €2,402-€1,621
Balance sheet total
€164,105
2024 · €160,626+€3,479
Largest movements
Assets
- Receivables within one year +€9,952
up €9,952 (+127%), from €7,852 to €17,804
of which Trade receivables: +€8,830
- Tangible fixed assets -€4,851
down €4,851 (-3.2%), from €150,371 to €145,521
Equity and liabilities
- Debts after one year -€12,411
down €12,411 (-12.0%), from €103,861 to €91,450
- Profit (loss) carried forward +€10,017
up €10,017 (+9.3%), from -€107,868 to -€97,850
- Other debts +€7,422
up €7,422 (+8.5%), from €87,198 to €94,621
Income statement
- Gross operating margin +€117,066
up €117,066, from -€89,649 to €27,417
- Staff costs -€17,397
no longer reported in 2025 (was €17,397)
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
-€124,621
Gross operating margin
+€117,066
Staff costs
+€17,397
Other operating charges
-€558
Financial charges
+€733
Result 2025
€10,017
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
+€11,602
Investment
€0
Financing
-€13,223
Cash 2024
€2,402
From operations (derived)
+€11,602
Net result for the year
+€10,017
Depreciation
+€4,851
Receivables within one year
-€9,952
Trade debts
-€737
Other debts
+€7,422
Financing
-€13,223
Debts after one year
-€12,411
Current portion of long-term debt
-€820
Short-term financial debts
+€9
Cash 2025
€781
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €160,626 | €164,105 | +€3,479 | +2.2% |
| Fixed assets | 21/28 | €150,371 | €145,521 | -€4,851 | -3.2% |
| Tangible fixed assets | 22/27 | €150,371 | €145,521 | -€4,851 | -3.2% |
| Land and buildings | 22 | €150,371 | €145,521 | -€4,851 | -3.2% |
| Current assets | 29/58 | €10,254 | €18,585 | +€8,330 | +81.2% |
| Amounts receivable within one year | 40/41 | €7,852 | €17,804 | +€9,952 | +127% |
| Trade receivables | 40 | €2,196 | €11,026 | +€8,830 | +402% |
| Other amounts receivable | 41 | €5,656 | €6,778 | +€1,122 | +19.8% |
| Cash at bank and in hand | 54/58 | €2,402 | €781 | -€1,621 | -67.5% |
| Total equity and liabilities | 10/49 | €160,626 | €164,105 | +€3,479 | +2.2% |
| Equity | 10/15 | -€77,868 | -€67,850 | +€10,017 | +12.9% |
| Contributions | 10/11 | €30,000 | €30,000 | = | 0.0% |
| Capital | 10 | €30,000 | €30,000 | = | 0.0% |
| Issued capital | 100 | €30,000 | €30,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€107,868 | -€97,850 | +€10,017 | +9.3% |
| Amounts payable | 17/49 | €238,493 | €231,955 | -€6,538 | -2.7% |
| Amounts payable after more than one year | 17 | €103,861 | €91,450 | -€12,411 | -12.0% |
| Financial debts | 170/4 | €103,861 | €91,450 | -€12,411 | -12.0% |
| Amounts payable within one year | 42/48 | €134,632 | €140,506 | +€5,873 | +4.4% |
| Current portion of amounts payable after more than one year | 42 | €22,233 | €21,412 | -€820 | -3.7% |
| Financial debts | 43 | - | €9 | +€9 | |
| Credit institutions | 430/8 | - | €9 | +€9 | |
| Trade debts | 44 | €25,201 | €24,464 | -€737 | -2.9% |
| Suppliers | 440/4 | €25,201 | €24,464 | -€737 | -2.9% |
| Other amounts payable | 47/48 | €87,198 | €94,621 | +€7,422 | +8.5% |
| Remuneration, social security and pensions | 62 | €17,397 | - | -€17,397 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €4,851 | €4,851 | = | 0.0% |
| Other operating charges | 640/8 | €3,288 | €3,846 | +€558 | +17.0% |
| Gross operating margin | 9900 | -€89,649 | €27,417 | +€117,066 | |
| Operating profit (loss) | 9901 | -€115,185 | €18,721 | +€133,905 | |
| Financial charges | 65/66B | €9,436 | €8,703 | -€733 | -7.8% |
| Recurring financial charges | 65 | €9,436 | €8,703 | -€733 | -7.8% |
| Profit (loss) for the period before taxes | 9903 | -€124,621 | €10,017 | +€134,638 | |
| Profit (loss) for the period | 9904 | -€124,621 | €10,017 | +€134,638 | |
| Profit (loss) for the period to be appropriated | 9905 | -€124,621 | €10,017 | +€134,638 |
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 3 November 2026 via checked.be.