ASSURANCES - PRETS SCHROEDER: what changed
Two financial 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.
ASSURANCES - PRETS SCHROEDER
Largest movements
- Receivables within one year -€149,535
down €149,535 (-57.2%), from €261,412 to €111,877
of which Other amounts receivable: -€145,149
- Tangible fixed assets +€11,079
up €11,079 (+4.2%), from €264,174 to €275,253
of which Furniture and vehicles: +€20,199
- Cash +€9,179
up €9,179 (+14.7%), from €62,276 to €71,455
mainly Receivables within one year (+€149,535) and Net result for the year (+€81,735)
- Other debts -€240,000
down €240,000 (-93.5%), from €256,800 to €16,800
- Profit (loss) carried forward +€67,392
up €67,392 (+104%), from €64,943 to €132,335
- Debts after one year +€41,493
up €41,493 (+199%), from €20,896 to €62,390
- Trade debts -€22,578
down €22,578 (-36.8%), from €61,422 to €38,845
- Accrued charges and deferred income +€12,019
up €12,019 (+38.4%), from €31,298 to €43,317
- Gross operating margin -€100,865
down €100,865 (-16.1%), from €624,767 to €523,902
- Staff costs +€43,282
up €43,282 (+15.2%), from €284,723 to €328,005
- Taxes +€10,499
up €10,499 (+44.1%), from €23,824 to €34,323
From the 2024 result to the 2025 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.
Derived cash bridge
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €593,131 | €462,392 | -€130,739 | -22.0% |
| Formation expenses | 20 | €1,113 | €833 | -€280 | -25.2% |
| Fixed assets | 21/28 | €264,174 | €275,253 | +€11,079 | +4.2% |
| Tangible fixed assets | 22/27 | €264,174 | €275,253 | +€11,079 | +4.2% |
| Plant, machinery and equipment | 23 | €1,114 | €743 | -€371 | -33.3% |
| Furniture and vehicles | 24 | €137,922 | €158,120 | +€20,199 | +14.6% |
| Other tangible fixed assets | 26 | €125,138 | €116,389 | -€8,749 | -7.0% |
| Current assets | 29/58 | €327,844 | €186,306 | -€141,538 | -43.2% |
| Amounts receivable within one year | 40/41 | €261,412 | €111,877 | -€149,535 | -57.2% |
| Trade receivables | 40 | €18,174 | €13,788 | -€4,386 | -24.1% |
| Other amounts receivable | 41 | €243,238 | €98,088 | -€145,149 | -59.7% |
| Cash at bank and in hand | 54/58 | €62,276 | €71,455 | +€9,179 | +14.7% |
| Deferred charges and accrued income | 490/1 | €4,157 | €2,975 | -€1,182 | -28.4% |
| Total equity and liabilities | 10/49 | €593,131 | €462,392 | -€130,739 | -22.0% |
| Equity | 10/15 | €143,651 | €208,585 | +€64,935 | +45.2% |
| Contributions | 10/11 | €18,550 | €18,550 | = | 0.0% |
| Reserves | 13 | €60,157 | €57,700 | -€2,457 | -4.1% |
| Tax-exempt reserves | 132 | €7,128 | €4,671 | -€2,457 | -34.5% |
| Distributable reserves | 133 | €53,029 | €53,029 | = | 0.0% |
| Profit (loss) carried forward | 14 | €64,943 | €132,335 | +€67,392 | +104% |
| Provisions and deferred taxes | 16 | €2,376 | €1,557 | -€819 | -34.5% |
| Deferred taxes | 168 | €2,376 | €1,557 | -€819 | -34.5% |
| Amounts payable | 17/49 | €447,105 | €252,250 | -€194,855 | -43.6% |
| Amounts payable after more than one year | 17 | €20,896 | €62,390 | +€41,493 | +199% |
| Financial debts | 170/4 | €20,896 | €62,390 | +€41,493 | +199% |
| Amounts payable within one year | 42/48 | €394,911 | €146,543 | -€248,368 | -62.9% |
| Current portion of amounts payable after more than one year | 42 | €22,686 | €33,141 | +€10,454 | +46.1% |
| Trade debts | 44 | €61,422 | €38,845 | -€22,578 | -36.8% |
| Suppliers | 440/4 | €61,422 | €38,845 | -€22,578 | -36.8% |
| Taxes, remuneration and social security | 45 | €54,002 | €57,758 | +€3,756 | +7.0% |
| Taxes | 450/3 | €3,886 | €2,988 | -€898 | -23.1% |
| Remuneration and social security | 454/9 | €50,116 | €54,770 | +€4,653 | +9.3% |
| Other amounts payable | 47/48 | €256,800 | €16,800 | -€240,000 | -93.5% |
| Accrued charges and deferred income | 492/3 | €31,298 | €43,317 | +€12,019 | +38.4% |
| Remuneration, social security and pensions | 62 | €284,723 | €328,005 | +€43,282 | +15.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €73,402 | €74,300 | +€897 | +1.2% |
| Other operating charges | 640/8 | €6,020 | €4,867 | -€1,154 | -19.2% |
| Gross operating margin | 9900 | €624,767 | €523,902 | -€100,865 | -16.1% |
| Operating profit (loss) | 9901 | €260,622 | €116,732 | -€143,890 | -55.2% |
| Financial income | 75/76B | €1,770 | €799 | -€970 | -54.8% |
| Recurring financial income | 75 | €1,770 | €799 | -€970 | -54.8% |
| Financial charges | 65/66B | €2,871 | €2,292 | -€579 | -20.2% |
| Recurring financial charges | 65 | €2,871 | €2,292 | -€579 | -20.2% |
| Profit (loss) for the period before taxes | 9903 | €259,520 | €115,239 | -€144,281 | -55.6% |
| Transfer from deferred taxes | 780 | €819 | €819 | = | 0.0% |
| Income taxes | 67/77 | €23,824 | €34,323 | +€10,499 | +44.1% |
| Profit (loss) for the period | 9904 | €236,515 | €81,735 | -€154,780 | -65.4% |
| Transfer from tax-exempt reserves | 789 | €2,457 | €2,457 | = | 0.0% |
| Profit (loss) for the period to be appropriated | 9905 | €238,971 | €84,192 | -€154,780 | -64.8% |
Source: filed annual accounts (NBB), financial 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 October 2026 via checked.be.