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Affluent: 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

Affluent

BE 0668.423.535
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€26,433
2024 · €5,442-€31,875
Equity
€5,002
2024 · €31,436-€26,433
Cash
€9,810
2024 · €27,275-€17,465
Balance sheet total
€326,973
2024 · €355,689-€28,716

Largest movements

2024 to 2025
Assets
  • Cash -€17,465

    down €17,465 (-64.0%), from €27,275 to €9,810

    mainly Debts after one year (-€27,281) and Net result for the year (-€26,433)

  • Tangible fixed assets -€11,340

    down €11,340 (-3.5%), from €328,335 to €316,995

Equity and liabilities
  • Debts after one year -€27,281

    down €27,281 (-15.9%), from €171,432 to €144,151

  • Profit (loss) carried forward -€26,433

    down €26,433, from €10,976 to -€15,458

  • Other debts +€18,896

    up €18,896 (+16.0%), from €117,863 to €136,759

  • Accrued charges and deferred income +€10,185

    new in 2025: €10,185

Income statement
  • Gross operating margin -€34,234

    down €34,234, from €24,474 to -€9,760

  • Taxes -€2,038

    no longer reported in 2025 (was €2,038)

  • Financial charges -€247

    down €247 (-8.1%), from €3,037 to €2,790

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 €5,442
Gross operating margin -€34,234
Other operating charges +€73
Financial charges +€247
Taxes +€2,038
Result 2025 -€26,433

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 +€9,473
Investment €0
Financing -€26,938
Cash 2024 €27,275
Net result for the year -€26,433
Depreciation +€11,340
Deferred charges and accrued income -€88
Trade debts -€1,735
Tax, wage and social debts -€2,692
Other debts +€18,896
Accrued charges and deferred income +€10,185
Debts after one year -€27,281
Current portion of long-term debt +€343
Cash 2025 €9,810
Every line side by side 35 lines
Line Code 2024 2025 Change %
Total assets 20/58 €355,689 €326,973 -€28,716 -8.1%
Fixed assets 21/28 €328,335 €316,995 -€11,340 -3.5%
Tangible fixed assets 22/27 €328,335 €316,995 -€11,340 -3.5%
Land and buildings 22 €328,335 €316,995 -€11,340 -3.5%
Current assets 29/58 €27,354 €9,978 -€17,376 -63.5%
Cash at bank and in hand 54/58 €27,275 €9,810 -€17,465 -64.0%
Deferred charges and accrued income 490/1 €80 €168 +€88 +110.7%
Total equity and liabilities 10/49 €355,689 €326,973 -€28,716 -8.1%
Equity 10/15 €31,436 €5,002 -€26,433 -84.1%
Contributions 10/11 €18,600 €18,600 = 0.0%
Reserves 13 €1,860 €1,860 = 0.0%
Non-distributable reserves 130/1 €1,860 €1,860 = 0.0%
Reserves not available under the articles 1311 €1,860 €1,860 = 0.0%
Profit (loss) carried forward 14 €10,976 -€15,458 -€26,433
Amounts payable 17/49 €324,254 €321,971 -€2,283 -0.7%
Amounts payable after more than one year 17 €171,432 €144,151 -€27,281 -15.9%
Financial debts 170/4 €171,432 €144,151 -€27,281 -15.9%
Amounts payable within one year 42/48 €152,822 €167,635 +€14,813 +9.7%
Current portion of amounts payable after more than one year 42 €26,938 €27,281 +€343 +1.3%
Trade debts 44 €3,291 €1,556 -€1,735 -52.7%
Suppliers 440/4 €3,291 €1,556 -€1,735 -52.7%
Taxes, remuneration and social security 45 €4,730 €2,038 -€2,692 -56.9%
Taxes 450/3 €4,730 €2,038 -€2,692 -56.9%
Other amounts payable 47/48 €117,863 €136,759 +€18,896 +16.0%
Accrued charges and deferred income 492/3 - €10,185 +€10,185
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €11,340 €11,340 = 0.0%
Other operating charges 640/8 €2,616 €2,543 -€73 -2.8%
Gross operating margin 9900 €24,474 -€9,760 -€34,234
Operating profit (loss) 9901 €10,517 -€23,643 -€34,161
Financial charges 65/66B €3,037 €2,790 -€247 -8.1%
Recurring financial charges 65 €3,037 €2,790 -€247 -8.1%
Profit (loss) for the period before taxes 9903 €7,480 -€26,433 -€33,913
Income taxes 67/77 €2,038 - -€2,038
Profit (loss) for the period 9904 €5,442 -€26,433 -€31,875
Profit (loss) for the period to be appropriated 9905 €5,442 -€26,433 -€31,875

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.