Bakkerij De Ruiter: what changed
What changed
Bakkerij De Ruiter
NACE 10.712, Artisanal bread and fresh pastry making
filed annual accounts (NBB)
Net result for the year
€216,396
2024 · €185,568+€30,828
Equity
€1.2m
2024 · €955,567+€216,396
Cash
€40,041
2024 · €124,573-€84,532
Balance sheet total
€1.2m
2024 · €1.0m+€212,545
Largest movements
Assets
- Current investments +€325,000
up €325,000 (+41.1%), from €790,014 to €1.1m
- Cash -€84,532
down €84,532 (-67.9%), from €124,573 to €40,041
mainly Current investments (-€325,000) and Receivables within one year (-€3,959)
- Tangible fixed assets -€33,633
down €33,633 (-32.8%), from €102,547 to €68,914
of which Furniture and vehicles: -€20,610
Equity and liabilities
- Reserves +€216,395
up €216,395 (+23.1%), from €936,964 to €1.2m
of which Tax-exempt reserves: +€126,300
Income statement
- Gross operating margin +€17,623
up €17,623 (+5.5%), from €317,610 to €335,233
- Taxes -€11,709
down €11,709 (-13.3%), from €87,909 to €76,200
- Financial income +€6,348
up €6,348 (+731%), from €869 to €7,216
- Financial charges +€5,181
up €5,181 (+236%), from €2,193 to €7,374
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€185,568
Gross operating margin
+€17,623
Staff costs
+€602
Depreciation
-€53
Other operating charges
-€220
Financial income
+€6,348
Financial charges
-€5,181
Taxes
+€11,709
Result 2025
€216,396
raises the resultlowers the result
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€240,228
Investment
-€326,427
Financing
+€1,667
Cash 2024
€124,573
From operations (derived)
+€240,228
Net result for the year
+€216,396
Depreciation
+€35,060
Stocks and contracts
-€1,413
Receivables within one year
-€3,959
Smaller working-capital items
-€558
Trade debts
-€1,439
Other debts
-€3,859
Investment (derived)
-€326,427
Investment in fixed assets (net)
-€1,427
Current investments
-€325,000
Financing
+€1,667
Short-term financial debts
+€1,667
Cash 2025
€40,041
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,020,739 | €1,233,284 | +€212,545 | +20.8% |
| Fixed assets | 21/28 | €102,547 | €68,914 | -€33,633 | -32.8% |
| Tangible fixed assets | 22/27 | €102,547 | €68,914 | -€33,633 | -32.8% |
| Plant, machinery and equipment | 23 | €2,803 | €2,981 | +€179 | +6.4% |
| Furniture and vehicles | 24 | €61,498 | €40,888 | -€20,610 | -33.5% |
| Leasing and similar rights | 25 | €30,600 | €20,400 | -€10,200 | -33.3% |
| Other tangible fixed assets | 26 | €7,646 | €4,644 | -€3,002 | -39.3% |
| Current assets | 29/58 | €918,192 | €1,164,370 | +€246,177 | +26.8% |
| Stocks and contracts in progress | 3 | €2,027 | €3,440 | +€1,413 | +69.7% |
| Stocks | 30/36 | €2,027 | €3,440 | +€1,413 | +69.7% |
| Amounts receivable within one year | 40/41 | €64 | €4,023 | +€3,959 | +6,186% |
| Trade receivables | 40 | €64 | €0 | -€64 | -100% |
| Other amounts receivable | 41 | - | €4,023 | +€4,023 | |
| Current investments | 50/53 | €790,014 | €1,115,014 | +€325,000 | +41.1% |
| Cash at bank and in hand | 54/58 | €124,573 | €40,041 | -€84,532 | -67.9% |
| Deferred charges and accrued income | 490/1 | €1,515 | €1,853 | +€338 | +22.3% |
| Total equity and liabilities | 10/49 | €1,020,739 | €1,233,284 | +€212,545 | +20.8% |
| Equity | 10/15 | €955,567 | €1,171,963 | +€216,396 | +22.6% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €936,964 | €1,153,359 | +€216,395 | +23.1% |
| Tax-exempt reserves | 132 | - | €126,300 | +€126,300 | |
| Distributable reserves | 133 | €936,964 | €1,027,059 | +€90,095 | +9.6% |
| Profit (loss) carried forward | 14 | €3 | €4 | +€1 | +31.7% |
| Amounts payable | 17/49 | €65,172 | €61,320 | -€3,851 | -5.9% |
| Amounts payable within one year | 42/48 | €64,945 | €61,320 | -€3,624 | -5.6% |
| Financial debts | 43 | €5,000 | €6,667 | +€1,667 | +33.3% |
| Credit institutions | 430/8 | €5,000 | €6,667 | +€1,667 | +33.3% |
| Trade debts | 44 | €17,158 | €15,719 | -€1,439 | -8.4% |
| Suppliers | 440/4 | €17,158 | €15,719 | -€1,439 | -8.4% |
| Taxes, remuneration and social security | 45 | €38,113 | €38,120 | +€8 | 0.0% |
| Taxes | 450/3 | €37,028 | €37,170 | +€142 | +0.4% |
| Remuneration and social security | 454/9 | €1,084 | €950 | -€134 | -12.4% |
| Other amounts payable | 47/48 | €4,674 | €814 | -€3,859 | -82.6% |
| Accrued charges and deferred income | 492/3 | €227 | €0 | -€227 | -100% |
| Remuneration, social security and pensions | 62 | €6,398 | €5,796 | -€602 | -9.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €35,007 | €35,060 | +€53 | +0.2% |
| Other operating charges | 640/8 | €1,403 | €1,623 | +€220 | +15.6% |
| Gross operating margin | 9900 | €317,610 | €335,233 | +€17,623 | +5.5% |
| Operating profit (loss) | 9901 | €274,802 | €292,754 | +€17,952 | +6.5% |
| Financial income | 75/76B | €869 | €7,216 | +€6,348 | +731% |
| Recurring financial income | 75 | €869 | €7,216 | +€6,348 | +731% |
| Financial charges | 65/66B | €2,193 | €7,374 | +€5,181 | +236% |
| Recurring financial charges | 65 | €2,193 | €7,374 | +€5,181 | +236% |
| Profit (loss) for the period before taxes | 9903 | €273,477 | €292,596 | +€19,119 | +7.0% |
| Income taxes | 67/77 | €87,909 | €76,200 | -€11,709 | -13.3% |
| Profit (loss) for the period | 9904 | €185,568 | €216,396 | +€30,828 | +16.6% |
| Transfer to tax-exempt reserves | 689 | - | €126,300 | +€126,300 | |
| Profit (loss) for the period to be appropriated | 9905 | €185,568 | €90,096 | -€95,472 | -51.4% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 4 November 2026 via checked.be.