Auto Karam: 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.
Auto Karam
Largest movements
- Deferred charges and accrued income +€30,750
new in 2025: €30,750
- Receivables within one year -€14,176
down €14,176 (-99.7%), from €14,221 to €46
of which Trade receivables: -€13,562
- Stocks and contracts -€12,003
down €12,003 (-21.6%), from €55,658 to €43,655
- Cash -€1,945
down €1,945 (-23.3%), from €8,345 to €6,400
mainly Deferred charges and accrued income (-€30,750) and Tax, wage and social debts (-€2,911)
- Trade debts +€3,084
up €3,084 (+67.1%), from €4,595 to €7,679
- Tax, wage and social debts -€2,911
down €2,911 (-99.8%), from €2,918 to €7
- Profit (loss) carried forward +€2,419
up €2,419 (+2.9%), from -€82,771 to -€80,352
- Short-term financial debts -€1,146
down €1,146 (-9.9%), from €11,620 to €10,473
- Other debts +€923
up €923 (+14.6%), from €6,320 to €7,243
- Taxes -€1,519
no longer reported in 2025 (was €1,519)
- Financial income +€1,098
up €1,098 (+260%), from €422 to €1,519
- Financial charges -€646
down €646 (-37.2%), from €1,737 to €1,091
- Gross operating margin -€485
down €485 (-6.9%), from €7,046 to €6,561
- Depreciation +€257
new in 2025: €257
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 | €79,537 | €81,906 | +€2,369 | +3.0% |
| Fixed assets | 21/28 | €1,312 | €1,055 | -€257 | -19.6% |
| Tangible fixed assets | 22/27 | €1,287 | €1,030 | -€257 | -20.0% |
| Plant, machinery and equipment | 23 | €1,287 | €1,030 | -€257 | -20.0% |
| Financial fixed assets | 28 | €25 | €25 | = | 0.0% |
| Current assets | 29/58 | €78,225 | €80,851 | +€2,626 | +3.4% |
| Stocks and contracts in progress | 3 | €55,658 | €43,655 | -€12,003 | -21.6% |
| Stocks | 30/36 | €55,658 | €43,655 | -€12,003 | -21.6% |
| Amounts receivable within one year | 40/41 | €14,221 | €46 | -€14,176 | -99.7% |
| Trade receivables | 40 | €13,562 | - | -€13,562 | |
| Other amounts receivable | 41 | €659 | €46 | -€614 | -93.1% |
| Cash at bank and in hand | 54/58 | €8,345 | €6,400 | -€1,945 | -23.3% |
| Deferred charges and accrued income | 490/1 | - | €30,750 | +€30,750 | |
| Total equity and liabilities | 10/49 | €79,537 | €81,906 | +€2,369 | +3.0% |
| Equity | 10/15 | -€5,916 | -€3,497 | +€2,419 | +40.9% |
| Contributions | 10/11 | €74,368 | €74,368 | = | 0.0% |
| Reserves | 13 | €2,488 | €2,488 | = | 0.0% |
| Non-distributable reserves | 130/1 | €2,488 | €2,488 | = | 0.0% |
| Reserves not available under the articles | 1311 | €2,488 | €2,488 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€82,771 | -€80,352 | +€2,419 | +2.9% |
| Amounts payable | 17/49 | €85,453 | €85,403 | -€50 | -0.1% |
| Amounts payable after more than one year | 17 | €60,000 | €60,000 | = | 0.0% |
| Financial debts | 170/4 | €60,000 | €60,000 | = | 0.0% |
| Amounts payable within one year | 42/48 | €25,453 | €25,403 | -€50 | -0.2% |
| Financial debts | 43 | €11,620 | €10,473 | -€1,146 | -9.9% |
| Credit institutions | 430/8 | €11,620 | €10,473 | -€1,146 | -9.9% |
| Trade debts | 44 | €4,595 | €7,679 | +€3,084 | +67.1% |
| Suppliers | 440/4 | €4,595 | €7,679 | +€3,084 | +67.1% |
| Taxes, remuneration and social security | 45 | €2,918 | €7 | -€2,911 | -99.8% |
| Taxes | 450/3 | €2,918 | €7 | -€2,911 | -99.8% |
| Other amounts payable | 47/48 | €6,320 | €7,243 | +€923 | +14.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | - | €257 | +€257 | |
| Other operating charges | 640/8 | €3,884 | €3,991 | +€107 | +2.8% |
| Non-recurring operating charges | 66A | €136 | €321 | +€186 | +137% |
| Gross operating margin | 9900 | €7,046 | €6,561 | -€485 | -6.9% |
| Operating profit (loss) | 9901 | €3,026 | €1,991 | -€1,035 | -34.2% |
| Financial income | 75/76B | €422 | €1,519 | +€1,098 | +260% |
| Recurring financial income | 75 | €422 | €1,519 | +€1,098 | +260% |
| Financial charges | 65/66B | €1,737 | €1,091 | -€646 | -37.2% |
| Recurring financial charges | 65 | €1,737 | €1,091 | -€646 | -37.2% |
| Profit (loss) for the period before taxes | 9903 | €1,711 | €2,419 | +€708 | +41.4% |
| Income taxes | 67/77 | €1,519 | - | -€1,519 | |
| Profit (loss) for the period | 9904 | €192 | €2,419 | +€2,227 | +1,160% |
| Profit (loss) for the period to be appropriated | 9905 | €192 | €2,419 | +€2,227 | +1,160% |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 16 October 2026 via checked.be.