AY KREDIETEN: 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.
AY KREDIETEN
Largest movements
- Cash +€1,528
up €1,528 (+38.7%), from €3,951 to €5,479
mainly Tax, wage and social debts (+€678) and Net result for the year (+€411)
- Receivables within one year -€353
down €353 (-4.3%), from €8,297 to €7,944
of which Trade receivables: -€2,444
- Tax, wage and social debts +€678
up €678 (+354%), from €192 to €870
of which Taxes: +€870
- Profit (loss) carried forward +€411
up €411 (+12.7%), from €3,251 to €3,662
- Gross operating margin +€1,215
up €1,215 (+103%), from €1,175 to €2,390
- Taxes +€870
new in 2025: €870
- Other operating charges +€209
up €209 (+246%), from €85 to €294
- Staff costs +€44
up €44 (+7.1%), from €614 to €658
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 | €12,248 | €13,423 | +€1,175 | +9.6% |
| Current assets | 29/58 | €12,248 | €13,423 | +€1,175 | +9.6% |
| Amounts receivable within one year | 40/41 | €8,297 | €7,944 | -€353 | -4.3% |
| Trade receivables | 40 | €8,297 | €5,853 | -€2,444 | -29.5% |
| Other amounts receivable | 41 | - | €2,091 | +€2,091 | |
| Cash at bank and in hand | 54/58 | €3,951 | €5,479 | +€1,528 | +38.7% |
| Total equity and liabilities | 10/49 | €12,248 | €13,423 | +€1,175 | +9.6% |
| Equity | 10/15 | €12,057 | €12,468 | +€411 | +3.4% |
| Contributions | 10/11 | €7,500 | €7,500 | = | 0.0% |
| Reserves | 13 | €1,306 | €1,306 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,306 | €1,306 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,306 | €1,306 | = | 0.0% |
| Profit (loss) carried forward | 14 | €3,251 | €3,662 | +€411 | +12.7% |
| Amounts payable | 17/49 | €192 | €955 | +€763 | +398% |
| Amounts payable within one year | 42/48 | €192 | €955 | +€763 | +398% |
| Trade debts | 44 | - | €85 | +€85 | |
| Suppliers | 440/4 | - | €85 | +€85 | |
| Taxes, remuneration and social security | 45 | €192 | €870 | +€678 | +354% |
| Taxes | 450/3 | - | €870 | +€870 | |
| Remuneration and social security | 454/9 | €192 | - | -€192 | |
| Remuneration, social security and pensions | 62 | €614 | €658 | +€44 | +7.1% |
| Other operating charges | 640/8 | €85 | €294 | +€209 | +246% |
| Gross operating margin | 9900 | €1,175 | €2,390 | +€1,215 | +103% |
| Operating profit (loss) | 9901 | €476 | €1,439 | +€962 | +202% |
| Financial income | 75/76B | - | €0 | +€0 | |
| Recurring financial income | 75 | - | €0 | +€0 | |
| Financial charges | 65/66B | €153 | €157 | +€4 | +2.6% |
| Recurring financial charges | 65 | €153 | €157 | +€4 | +2.6% |
| Profit (loss) for the period before taxes | 9903 | €323 | €1,282 | +€959 | +297% |
| Income taxes | 67/77 | - | €870 | +€870 | |
| Profit (loss) for the period | 9904 | €323 | €411 | +€88 | +27.4% |
| Profit (loss) for the period to be appropriated | 9905 | €323 | €411 | +€88 | +27.4% |
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 28 October 2026 via checked.be.