ALL-IN-CREDIT: what changed
What changed
ALL-IN-CREDIT
filed annual accounts (NBB)
Net result for the year
€48,511
2024 · €23,098+€25,413
Equity
€297,570
2024 · €312,559-€14,989
Cash
€252,441
2024 · €196,266+€56,175
Balance sheet total
€322,127
2024 · €338,930-€16,803
Largest movements
Assets
- Receivables after one year -€60,325
down €60,325 (-79.6%), from €75,750 to €15,425
- Cash +€56,175
up €56,175 (+28.6%), from €196,266 to €252,441
mainly Receivables after one year (+€60,325) and Net result for the year (+€48,511)
- Tangible fixed assets -€14,413
down €14,413 (-29.6%), from €48,691 to €34,278
of which Furniture and vehicles: -€13,565
Equity and liabilities
- Reserves -€63,500
down €63,500 (-22.6%), from €281,360 to €217,860
- Profit (loss) carried forward +€48,511
up €48,511 (+194%), from €24,999 to €73,510
- Debts after one year -€6,093
down €6,093 (-40.6%), from €15,021 to €8,928
Income statement
- Gross operating margin +€30,155
up €30,155 (+55.4%), from €54,396 to €84,551
- Taxes +€5,287
up €5,287 (+40.9%), from €12,941 to €18,228
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
€23,098
Gross operating margin
+€30,155
Depreciation
+€247
Other operating charges
+€160
Financial income
+€1
Financial charges
+€137
Taxes
-€5,287
Result 2025
€48,511
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
+€128,316
Investment
-€2,548
Financing
-€69,593
Cash 2024
€196,266
From operations (derived)
+€128,316
Net result for the year
+€48,511
Depreciation
+€16,961
Receivables after one year
+€60,325
Receivables within one year
-€524
Deferred charges and accrued income
-€1,236
Trade debts
+€1,178
Tax, wage and social debts
+€3,228
Other debts
-€127
Investment (derived)
-€2,548
Investment in fixed assets (net)
-€2,548
Financing
-€69,593
Debts after one year
-€6,093
Contributions, distributions and other
-€63,500
Cash 2025
€252,441
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €338,930 | €322,127 | -€16,803 | -5.0% |
| Fixed assets | 21/28 | €48,691 | €34,278 | -€14,413 | -29.6% |
| Tangible fixed assets | 22/27 | €48,691 | €34,278 | -€14,413 | -29.6% |
| Furniture and vehicles | 24 | €43,693 | €30,128 | -€13,565 | -31.0% |
| Other tangible fixed assets | 26 | €4,998 | €4,150 | -€848 | -17.0% |
| Current assets | 29/58 | €290,239 | €287,849 | -€2,390 | -0.8% |
| Amounts receivable after more than one year | 29 | €75,750 | €15,425 | -€60,325 | -79.6% |
| Other amounts receivable | 291 | €75,750 | €15,425 | -€60,325 | -79.6% |
| Amounts receivable within one year | 40/41 | €2,059 | €2,583 | +€524 | +25.4% |
| Other amounts receivable | 41 | €2,059 | €2,583 | +€524 | +25.4% |
| Cash at bank and in hand | 54/58 | €196,266 | €252,441 | +€56,175 | +28.6% |
| Deferred charges and accrued income | 490/1 | €16,164 | €17,400 | +€1,236 | +7.6% |
| Total equity and liabilities | 10/49 | €338,930 | €322,127 | -€16,803 | -5.0% |
| Equity | 10/15 | €312,559 | €297,570 | -€14,989 | -4.8% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €281,360 | €217,860 | -€63,500 | -22.6% |
| Distributable reserves | 133 | €281,360 | €217,860 | -€63,500 | -22.6% |
| Profit (loss) carried forward | 14 | €24,999 | €73,510 | +€48,511 | +194% |
| Amounts payable | 17/49 | €26,371 | €24,557 | -€1,814 | -6.9% |
| Amounts payable after more than one year | 17 | €15,021 | €8,928 | -€6,093 | -40.6% |
| Financial debts | 170/4 | €15,021 | €8,928 | -€6,093 | -40.6% |
| Amounts payable within one year | 42/48 | €11,350 | €15,629 | +€4,279 | +37.7% |
| Current portion of amounts payable after more than one year | 42 | €6,435 | €6,435 | = | 0.0% |
| Trade debts | 44 | €4,788 | €5,966 | +€1,178 | +24.6% |
| Suppliers | 440/4 | €4,788 | €5,966 | +€1,178 | +24.6% |
| Taxes, remuneration and social security | 45 | - | €3,228 | +€3,228 | |
| Taxes | 450/3 | - | €3,228 | +€3,228 | |
| Other amounts payable | 47/48 | €127 | - | -€127 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €17,208 | €16,961 | -€247 | -1.4% |
| Other operating charges | 640/8 | €160 | - | -€160 | |
| Gross operating margin | 9900 | €54,396 | €84,551 | +€30,155 | +55.4% |
| Operating profit (loss) | 9901 | €37,028 | €67,590 | +€30,562 | +82.5% |
| Financial income | 75/76B | - | €1 | +€1 | |
| Recurring financial income | 75 | - | €1 | +€1 | |
| Financial charges | 65/66B | €989 | €852 | -€137 | -13.9% |
| Recurring financial charges | 65 | €989 | €852 | -€137 | -13.9% |
| Profit (loss) for the period before taxes | 9903 | €36,039 | €66,739 | +€30,700 | +85.2% |
| Income taxes | 67/77 | €12,941 | €18,228 | +€5,287 | +40.9% |
| Profit (loss) for the period | 9904 | €23,098 | €48,511 | +€25,413 | +110% |
| Profit (loss) for the period to be appropriated | 9905 | €23,098 | €48,511 | +€25,413 | +110% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 August 2024 and 31 August 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 5 November 2026 via checked.be.