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AFCT: 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

AFCT

BE 0828.327.738
NACE 55.203, Holiday cottages, homes and apartments
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€2,695
2024 · €1,109-€3,804
Equity
€172,104
2024 · €290,096-€117,992
Cash
€5,301
2024 · €2,143+€3,158
Balance sheet total
€1.3m
2024 · €1.5m-€130,090

Largest movements

2024 to 2025
Assets
  • Receivables within one year -€132,311

    no longer reported in 2025 (was €132,311)

    of which Trade receivables: -€114,890

Equity and liabilities
  • Other debts +€149,809

    up €149,809 (+344.7%), from €43,457 to €193,266

  • Reserves -€115,296

    down €115,296 (-40.1%), from €287,196 to €171,900

  • Trade debts -€84,160

    down €84,160 (-90.2%), from €93,304 to €9,143

  • Debts after one year -€80,218

    down €80,218 (-8.4%), from €952,598 to €872,379

Income statement
  • Turnover -€222,780

    no longer reported in 2025 (was €222,780)

  • Gross operating margin -€79,848

    down €79,848 (-61.0%), from €130,803 to €50,954

  • Depreciation -€60,180

    down €60,180 (-88.7%), from €67,878 to €7,698

  • Purchases and services -€40,414

    down €40,414 (-30.1%), from €134,244 to €93,830

  • Other operating charges -€15,941

    down €15,941 (-83.5%), from €19,087 to €3,146

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 €1,109
Gross operating margin -€79,848
Staff costs +€46
Depreciation +€60,180
Other operating charges +€15,941
Financial charges -€481
Taxes +€358
Result 2025 -€2,695

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 +€195,976
Investment -€6,743
Financing -€186,075
Cash 2024 €2,143
Net result for the year -€2,695
Depreciation +€7,698
Receivables within one year +€132,311
Deferred charges and accrued income -€19
Trade debts -€84,160
Tax, wage and social debts -€6,968
Other debts +€149,809
Investment in fixed assets (net) -€6,743
Debts after one year -€80,218
Current portion of long-term debt +€3,903
Short-term financial debts +€5,537
Contributions, distributions and other -€115,296
Cash 2025 €5,301
Every line side by side 48 lines
Line Code 2024 2025 Change %
Total assets 20/58 €1,475,798 €1,345,708 -€130,090 -8.8%
Fixed assets 21/28 €1,340,743 €1,339,788 -€955 -0.1%
Intangible fixed assets 21 €2,143 €1,620 -€523 -24.4%
Tangible fixed assets 22/27 €1,116,483 €1,116,051 -€432 0.0%
Land and buildings 22 €799,527 €805,662 +€6,136 +0.8%
Plant, machinery and equipment 23 €308,904 €307,454 -€1,450 -0.5%
Furniture and vehicles 24 €8,052 €2,934 -€5,118 -63.6%
Financial fixed assets 28 €222,117 €222,117 = 0.0%
Current assets 29/58 €135,055 €5,920 -€129,135 -95.6%
Amounts receivable within one year 40/41 €132,311 - -€132,311
Trade receivables 40 €114,890 - -€114,890
Other amounts receivable 41 €17,421 - -€17,421
Cash at bank and in hand 54/58 €2,143 €5,301 +€3,158 +147.3%
Deferred charges and accrued income 490/1 €600 €619 +€19 +3.2%
Total equity and liabilities 10/49 €1,475,798 €1,345,708 -€130,090 -8.8%
Equity 10/15 €290,096 €172,104 -€117,992 -40.7%
Contributions 10/11 €1,000 €1,000 = 0.0%
Outside capital 11 €1,000 €1,000 = 0.0%
Share premium 1100/10 €1,000 €1,000 = 0.0%
Reserves 13 €287,196 €171,900 -€115,296 -40.1%
Non-distributable reserves 130/1 €287,196 €171,900 -€115,296 -40.1%
Reserves not available under the articles 1311 €287,196 €171,900 -€115,296 -40.1%
Profit (loss) carried forward 14 €1,900 -€796 -€2,695
Amounts payable 17/49 €1,185,702 €1,173,604 -€12,098 -1.0%
Amounts payable after more than one year 17 €952,598 €872,379 -€80,218 -8.4%
Financial debts 170/4 €952,598 €872,379 -€80,218 -8.4%
Amounts payable within one year 42/48 €233,105 €301,225 +€68,120 +29.2%
Current portion of amounts payable after more than one year 42 €76,315 €80,218 +€3,903 +5.1%
Financial debts 43 - €5,537 +€5,537
Credit institutions 430/8 - €5,537 +€5,537
Trade debts 44 €93,304 €9,143 -€84,160 -90.2%
Suppliers 440/4 €93,304 €9,143 -€84,160 -90.2%
Taxes, remuneration and social security 45 €20,028 €13,060 -€6,968 -34.8%
Taxes 450/3 €20,028 €13,060 -€6,968 -34.8%
Other amounts payable 47/48 €43,457 €193,266 +€149,809 +344.7%
Turnover 70 €222,780 - -€222,780
Goods, raw materials, services and sundry goods 60/61 €134,244 €93,830 -€40,414 -30.1%
Remuneration, social security and pensions 62 €115 €69 -€46 -39.8%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €67,878 €7,698 -€60,180 -88.7%
Other operating charges 640/8 €19,087 €3,146 -€15,941 -83.5%
Gross operating margin 9900 €130,803 €50,954 -€79,848 -61.0%
Operating profit (loss) 9901 €43,722 €40,040 -€3,682 -8.4%
Financial charges 65/66B €41,935 €42,415 +€481 +1.1%
Recurring financial charges 65 €41,935 €42,415 +€481 +1.1%
Profit (loss) for the period before taxes 9903 €1,788 -€2,375 -€4,162
Income taxes 67/77 €678 €320 -€358 -52.8%
Profit (loss) for the period 9904 €1,109 -€2,695 -€3,804
Profit (loss) for the period to be appropriated 9905 €1,109 -€2,695 -€3,804

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 30 September 2026 via checked.be.