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AYERTO: what changed

Two fiscal 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.

What changed

AYERTO

BE 0780.354.013
NACE 66.199, Other activities auxiliary to financial services, excluding insurance and pension funding
fiscal year 2023 against 2024filed annual accounts (NBB)
Net result for the year
-€5,561
2023 · -€3,186-€2,376
Equity
€12,736
2023 · €18,297-€5,561
Cash
€29,477
2023 · €20,141+€9,336
Balance sheet total
€69,653
2023 · €87,606-€17,953

Largest movements

2023 to 2024
Assets
  • Tangible fixed assets -€20,334

    down €20,334 (-33.8%), from €60,216 to €39,882

    of which Furniture and vehicles: -€20,003

  • Cash +€9,336

    up €9,336 (+46.4%), from €20,141 to €29,477

    mainly Depreciation (+€20,334) and Current portion of long-term debt (+€11,874)

  • Receivables within one year -€6,955

    down €6,955 (-95.9%), from €7,249 to €294

    of which Trade receivables: -€4,249

Equity and liabilities
  • Debts after one year -€25,182

    down €25,182 (-45.7%), from €55,149 to €29,966

  • Current portion of long-term debt +€11,874

    up €11,874 (+1186.4%), from €1,001 to €12,875

  • Profit (loss) carried forward -€5,561

    down €5,561 (-32.2%), from €17,297 to €11,736

  • Tax, wage and social debts +€1,231

    up €1,231 (+10.4%), from €11,821 to €13,052

    of which Remuneration and social security: +€2,544

Income statement
  • Gross operating margin -€3,440

    down €3,440 (-17.0%), from €20,290 to €16,850

  • Financial charges -€653

    down €653 (-29.5%), from €2,212 to €1,559

  • Taxes -€259

    down €259 (-56.1%), from €462 to €203

From the 2023 result to the 2024 result

effect on the 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.

Result 2023 -€3,186
Gross operating margin -€3,440
Other operating charges +€168
Financial income -€15
Financial charges +€653
Taxes +€259
Result 2024 -€5,561

Cash bridge derived

cash 2023 to 2024

Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations +€22,645
Investment €0
Financing -€13,309
Cash 2023 €20,141
Net result for the year -€5,561
Depreciation +€20,334
Receivables within one year +€6,955
Trade debts -€39
Tax, wage and social debts +€1,231
Other debts -€275
Debts after one year -€25,182
Current portion of long-term debt +€11,874
Cash 2024 €29,477
Every line side by side 39 lines
Line Code 2023 2024 Change %
Total assets 20/58 €87,606 €69,653 -€17,953 -20.5%
Fixed assets 21/28 €60,216 €39,882 -€20,334 -33.8%
Tangible fixed assets 22/27 €60,216 €39,882 -€20,334 -33.8%
Plant, machinery and equipment 23 €661 €330 -€330 -50.0%
Furniture and vehicles 24 €59,555 €39,552 -€20,003 -33.6%
Current assets 29/58 €27,390 €29,771 +€2,381 +8.7%
Amounts receivable within one year 40/41 €7,249 €294 -€6,955 -95.9%
Trade receivables 40 €4,249 - -€4,249
Other amounts receivable 41 €3,000 €294 -€2,706 -90.2%
Cash at bank and in hand 54/58 €20,141 €29,477 +€9,336 +46.4%
Total equity and liabilities 10/49 €87,606 €69,653 -€17,953 -20.5%
Equity 10/15 €18,297 €12,736 -€5,561 -30.4%
Contributions 10/11 €1,000 €1,000 = 0.0%
Outside capital 11 €1,000 €1,000 = 0.0%
Other 1109/19 €1,000 €1,000 = 0.0%
Profit (loss) carried forward 14 €17,297 €11,736 -€5,561 -32.2%
Amounts payable 17/49 €69,309 €56,918 -€12,391 -17.9%
Amounts payable after more than one year 17 €55,149 €29,966 -€25,182 -45.7%
Financial debts 170/4 €55,149 €29,966 -€25,182 -45.7%
Amounts payable within one year 42/48 €14,160 €26,951 +€12,791 +90.3%
Current portion of amounts payable after more than one year 42 €1,001 €12,875 +€11,874 +1186.4%
Trade debts 44 €49 €10 -€39 -79.0%
Suppliers 440/4 €49 €10 -€39 -79.0%
Taxes, remuneration and social security 45 €11,821 €13,052 +€1,231 +10.4%
Taxes 450/3 €11,697 €10,383 -€1,313 -11.2%
Remuneration and social security 454/9 €125 €2,669 +€2,544 +2036.0%
Other amounts payable 47/48 €1,289 €1,014 -€275 -21.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €20,334 €20,334 = 0.0%
Other operating charges 640/8 €484 €316 -€168 -34.7%
Gross operating margin 9900 €20,290 €16,850 -€3,440 -17.0%
Operating profit (loss) 9901 -€527 -€3,799 -€3,272 -620.9%
Financial income 75/76B €15 - -€15
Recurring financial income 75 €15 - -€15
Financial charges 65/66B €2,212 €1,559 -€653 -29.5%
Recurring financial charges 65 €2,212 €1,559 -€653 -29.5%
Profit (loss) for the period before taxes 9903 -€2,724 -€5,359 -€2,635 -96.7%
Income taxes 67/77 €462 €203 -€259 -56.1%
Profit (loss) for the period 9904 -€3,186 -€5,561 -€2,376 -74.6%
Profit (loss) for the period to be appropriated 9905 -€3,186 -€5,561 -€2,376 -74.6%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.