ANTWERPSE KREDIETCENTRALE: what changed
ANTWERPSE KREDIETCENTRALE
Largest movements
- Cash -€1,561
down €1,561 (-4.3%), from €36,704 to €35,142
mainly Other debts (-€1,347) and Investment in fixed assets (net) (-€1,117)
- Tangible fixed assets +€990
new in 2025: €990
- Receivables within one year -€768
down €768 (-78.8%), from €975 to €207
- Deferred charges and accrued income +€582
up €582 (+866%), from €67 to €649
- Other debts -€1,347
down €1,347 (-100%), from €1,347 to €0
- Trade debts +€410
new in 2025: €410
- Depreciation +€127
new in 2025: €127
- Taxes -€70
down €70 (-5.1%), from €1,361 to €1,291
- Gross operating margin +€68
up €68 (+3.2%), from €2,161 to €2,230
- Other operating charges +€26
up €26 (+4.6%), from €569 to €595
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €37,746 | €36,988 | -€757 | -2.0% |
| Fixed assets | 21/28 | - | €990 | +€990 | |
| Tangible fixed assets | 22/27 | - | €990 | +€990 | |
| Furniture and vehicles | 24 | - | €990 | +€990 | |
| Current assets | 29/58 | €37,746 | €35,998 | -€1,748 | -4.6% |
| Amounts receivable within one year | 40/41 | €975 | €207 | -€768 | -78.8% |
| Other amounts receivable | 41 | €975 | €207 | -€768 | -78.8% |
| Cash at bank and in hand | 54/58 | €36,704 | €35,142 | -€1,561 | -4.3% |
| Deferred charges and accrued income | 490/1 | €67 | €649 | +€582 | +866% |
| Total equity and liabilities | 10/49 | €37,746 | €36,988 | -€757 | -2.0% |
| Equity | 10/15 | €35,739 | €35,918 | +€180 | +0.5% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €22,720 | €22,720 | = | 0.0% |
| Distributable reserves | 133 | €22,720 | €22,720 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€5,582 | -€5,402 | +€180 | +3.2% |
| Amounts payable | 17/49 | €2,007 | €1,070 | -€937 | -46.7% |
| Amounts payable within one year | 42/48 | €2,007 | €1,070 | -€937 | -46.7% |
| Trade debts | 44 | - | €410 | +€410 | |
| Suppliers | 440/4 | - | €410 | +€410 | |
| Taxes, remuneration and social security | 45 | €661 | €661 | = | 0.0% |
| Taxes | 450/3 | €661 | €661 | = | 0.0% |
| Other amounts payable | 47/48 | €1,347 | €0 | -€1,347 | -100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | - | €127 | +€127 | |
| Other operating charges | 640/8 | €569 | €595 | +€26 | +4.6% |
| Gross operating margin | 9900 | €2,161 | €2,230 | +€68 | +3.2% |
| Operating profit (loss) | 9901 | €1,592 | €1,508 | -€84 | -5.3% |
| Financial income | 75/76B | - | €2 | +€2 | |
| Recurring financial income | 75 | - | €2 | +€2 | |
| Financial charges | 65/66B | €38 | €40 | +€2 | +5.9% |
| Recurring financial charges | 65 | €38 | €40 | +€2 | +5.9% |
| Profit (loss) for the period before taxes | 9903 | €1,554 | €1,470 | -€84 | -5.4% |
| Income taxes | 67/77 | €1,361 | €1,291 | -€70 | -5.1% |
| Profit (loss) for the period | 9904 | €194 | €180 | -€14 | -7.3% |
| Profit (loss) for the period to be appropriated | 9905 | €194 | €180 | -€14 | -7.3% |
Next steps
Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 2 November 2026 via checked.be.