AUTO ZAMI: 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 ZAMI
Largest movements
- Receivables within one year +€31,257
up €31,257 (+122%), from €25,634 to €56,891
of which Trade receivables: +€23,570
- Stocks and contracts -€20,502
down €20,502 (-22.6%), from €90,585 to €70,082
- Cash -€20,001
down €20,001 (-58.4%), from €34,242 to €14,241
mainly Receivables within one year (-€31,257) and Other debts (-€27,915)
- Other debts -€27,915
down €27,915 (-32.5%), from €85,915 to €58,000
- Trade debts +€18,306
up €18,306 (+322%), from €5,688 to €23,995
- Current portion of long-term debt -€12,000
no longer reported in 2025 (was €12,000)
- Profit (loss) carried forward +€6,595
up €6,595 (+23.3%), from €28,271 to €34,865
- Tax, wage and social debts +€5,944
up €5,944 (+773%), from €769 to €6,712
- Gross operating margin +€29,698
up €29,698, from -€3,213 to €26,486
- Depreciation +€14,965
up €14,965 (+43,190%), from €35 to €15,000
- Taxes +€2,246
up €2,246 (+288%), from €779 to €3,025
- Other operating charges -€2,042
down €2,042 (-57.4%), from €3,555 to €1,513
- Financial charges -€568
down €568 (-61.7%), from €921 to €353
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 | €154,103 | €144,032 | -€10,070 | -6.5% |
| Fixed assets | 21/28 | €1,960 | €1,960 | = | 0.0% |
| Financial fixed assets | 28 | €1,960 | €1,960 | = | 0.0% |
| Current assets | 29/58 | €152,143 | €142,072 | -€10,070 | -6.6% |
| Stocks and contracts in progress | 3 | €90,585 | €70,082 | -€20,502 | -22.6% |
| Stocks | 30/36 | €90,585 | €70,082 | -€20,502 | -22.6% |
| Amounts receivable within one year | 40/41 | €25,634 | €56,891 | +€31,257 | +122% |
| Trade receivables | 40 | €17,932 | €41,502 | +€23,570 | +131% |
| Other amounts receivable | 41 | €7,702 | €15,389 | +€7,688 | +99.8% |
| Cash at bank and in hand | 54/58 | €34,242 | €14,241 | -€20,001 | -58.4% |
| Deferred charges and accrued income | 490/1 | €1,683 | €858 | -€824 | -49.0% |
| Total equity and liabilities | 10/49 | €154,103 | €144,032 | -€10,070 | -6.5% |
| Equity | 10/15 | €48,731 | €55,325 | +€6,595 | +13.5% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Contributions outside capital | 11 | €18,600 | €18,600 | = | 0.0% |
| Other | 1109/19 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €28,271 | €34,865 | +€6,595 | +23.3% |
| Amounts payable | 17/49 | €105,372 | €88,707 | -€16,665 | -15.8% |
| Amounts payable after more than one year | 17 | €1,000 | - | -€1,000 | |
| Financial debts | 170/4 | €1,000 | - | -€1,000 | |
| Amounts payable within one year | 42/48 | €104,372 | €88,707 | -€15,665 | -15.0% |
| Current portion of amounts payable after more than one year | 42 | €12,000 | - | -€12,000 | |
| Trade debts | 44 | €5,688 | €23,995 | +€18,306 | +322% |
| Suppliers | 440/4 | €5,688 | €23,995 | +€18,306 | +322% |
| Taxes, remuneration and social security | 45 | €769 | €6,712 | +€5,944 | +773% |
| Taxes | 450/3 | €769 | €6,712 | +€5,944 | +773% |
| Other amounts payable | 47/48 | €85,915 | €58,000 | -€27,915 | -32.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €35 | €15,000 | +€14,965 | +43,190% |
| Other operating charges | 640/8 | €3,555 | €1,513 | -€2,042 | -57.4% |
| Gross operating margin | 9900 | -€3,213 | €26,486 | +€29,698 | |
| Operating profit (loss) | 9901 | -€6,803 | €9,972 | +€16,775 | |
| Financial charges | 65/66B | €921 | €353 | -€568 | -61.7% |
| Recurring financial charges | 65 | €921 | €353 | -€568 | -61.7% |
| Profit (loss) for the period before taxes | 9903 | -€7,723 | €9,620 | +€17,343 | |
| Income taxes | 67/77 | €779 | €3,025 | +€2,246 | +288% |
| Profit (loss) for the period | 9904 | -€8,503 | €6,595 | +€15,097 | |
| Profit (loss) for the period to be appropriated | 9905 | -€8,503 | €6,595 | +€15,097 |
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 17 October 2026 via checked.be.