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AJ: 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

AJ

BE 0782.989.938
NACE 68.121, Development of residential building projects
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€70,126
2024 · €136,104-€65,977
Equity
€332,572
2024 · €262,446+€70,126
Cash
€501,486
2024 · €503,830-€2,344
Balance sheet total
€1.3m
2024 · €1.0m+€268,267

Largest movements

2024 to 2025
Assets
  • Receivables within one year +€209,903

    up €209,903 (+92.5%), from €226,909 to €436,811

    of which Other amounts receivable: +€156,831

  • Stocks and contracts +€99,008

    up €99,008 (+48.5%), from €204,140 to €303,148

  • Tangible fixed assets -€38,373

    down €38,373 (-36.8%), from €104,190 to €65,817

    of which Furniture and vehicles: -€63,247

Equity and liabilities
  • Trade debts +€283,654

    up €283,654 (+8357.3%), from €3,394 to €287,049

  • Reserves +€70,126

    up €70,126 (+29.5%), from €237,446 to €307,572

  • Tax, wage and social debts -€57,542

    down €57,542 (-35.4%), from €162,684 to €105,142

  • Current portion of long-term debt -€18,622

    down €18,622 (-82.9%), from €22,464 to €3,841

Income statement
  • Gross operating margin -€106,015

    down €106,015 (-38.3%), from €276,911 to €170,896

  • Taxes -€30,502

    down €30,502 (-46.4%), from €65,789 to €35,286

  • Financial charges -€10,565

    down €10,565 (-88.6%), from €11,921 to €1,357

  • Depreciation +€5,968

    up €5,968 (+10.0%), from €59,405 to €65,373

  • Financial income +€5,055

    up €5,055 (+1069.2%), from €473 to €5,527

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 €136,104
Gross operating margin -€106,015
Staff costs -€367
Depreciation -€5,968
Other operating charges +€251
Financial income +€5,055
Financial charges +€10,565
Taxes +€30,502
Result 2025 €70,126

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 +€47,119
Investment -€27,000
Financing -€22,464
Cash 2024 €503,830
Net result for the year +€70,126
Depreciation +€65,373
Stocks and contracts -€99,008
Receivables within one year -€209,903
Deferred charges and accrued income -€73
Trade debts +€283,654
Tax, wage and social debts -€57,542
Other debts -€5,508
Investment in fixed assets (net) -€27,000
Debts after one year -€3,841
Current portion of long-term debt -€18,622
Cash 2025 €501,486
Every line side by side 43 lines
Line Code 2024 2025 Change %
Total assets 20/58 €1,040,530 €1,308,797 +€268,267 +25.8%
Fixed assets 21/28 €104,190 €65,817 -€38,373 -36.8%
Tangible fixed assets 22/27 €104,190 €65,817 -€38,373 -36.8%
Plant, machinery and equipment 23 €1,106 €25,980 +€24,874 +2249.7%
Furniture and vehicles 24 €103,084 €39,837 -€63,247 -61.4%
Current assets 29/58 €936,340 €1,242,980 +€306,640 +32.7%
Stocks and contracts in progress 3 €204,140 €303,148 +€99,008 +48.5%
Stocks 30/36 €204,140 €303,148 +€99,008 +48.5%
Amounts receivable within one year 40/41 €226,909 €436,811 +€209,903 +92.5%
Trade receivables 40 €226,909 €279,980 +€53,071 +23.4%
Other amounts receivable 41 - €156,831 +€156,831
Cash at bank and in hand 54/58 €503,830 €501,486 -€2,344 -0.5%
Deferred charges and accrued income 490/1 €1,461 €1,534 +€73 +5.0%
Total equity and liabilities 10/49 €1,040,530 €1,308,797 +€268,267 +25.8%
Equity 10/15 €262,446 €332,572 +€70,126 +26.7%
Contributions 10/11 €25,000 €25,000 = 0.0%
Reserves 13 €237,446 €307,572 +€70,126 +29.5%
Distributable reserves 133 €237,446 €307,572 +€70,126 +29.5%
Amounts payable 17/49 €778,084 €976,225 +€198,140 +25.5%
Amounts payable after more than one year 17 €3,841 €0 -€3,841 -100.0%
Financial debts 170/4 €3,841 €0 -€3,841 -100.0%
Amounts payable within one year 42/48 €774,243 €976,225 +€201,982 +26.1%
Current portion of amounts payable after more than one year 42 €22,464 €3,841 -€18,622 -82.9%
Financial debts 43 €0 - =
Credit institutions 430/8 €0 - =
Trade debts 44 €3,394 €287,049 +€283,654 +8357.3%
Suppliers 440/4 €3,394 €287,049 +€283,654 +8357.3%
Taxes, remuneration and social security 45 €162,684 €105,142 -€57,542 -35.4%
Taxes 450/3 €162,684 €105,142 -€57,542 -35.4%
Other amounts payable 47/48 €585,701 €580,193 -€5,508 -0.9%
Remuneration, social security and pensions 62 €1,437 €1,804 +€367 +25.6%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €59,405 €65,373 +€5,968 +10.0%
Other operating charges 640/8 €2,728 €2,476 -€251 -9.2%
Gross operating margin 9900 €276,911 €170,896 -€106,015 -38.3%
Operating profit (loss) 9901 €213,341 €101,242 -€112,099 -52.5%
Financial income 75/76B €473 €5,527 +€5,055 +1069.2%
Recurring financial income 75 €473 €5,527 +€5,055 +1069.2%
Financial charges 65/66B €11,921 €1,357 -€10,565 -88.6%
Recurring financial charges 65 €11,921 €1,357 -€10,565 -88.6%
Profit (loss) for the period before taxes 9903 €201,892 €105,413 -€96,480 -47.8%
Income taxes 67/77 €65,789 €35,286 -€30,502 -46.4%
Profit (loss) for the period 9904 €136,104 €70,126 -€65,977 -48.5%
Profit (loss) for the period to be appropriated 9905 €136,104 €70,126 -€65,977 -48.5%

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 29 September 2026 via checked.be.