BAMBERG: 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.
BAMBERG
Largest movements
- Tangible fixed assets -€44,137
down €44,137 (-2.7%), from €1.6m to €1.6m
- Current investments +€23,300
up €23,300 (+59.5%), from €39,153 to €62,452
No liability line moved by more than 1% of the balance sheet total.
- Gross operating margin -€6,387
down €6,387 (-14.7%), from €43,362 to €36,976
- Other operating charges +€3,827
up €3,827 (+661.0%), from €579 to €4,406
- Financial charges +€2,919
up €2,919 (+1479.4%), from €197 to €3,117
of which Non-recurring financial charges: +€2,663
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.
Cash bridge derived
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 | €1,687,663 | €1,676,847 | -€10,816 | -0.6% |
| Fixed assets | 21/28 | €1,632,465 | €1,588,327 | -€44,137 | -2.7% |
| Tangible fixed assets | 22/27 | €1,632,465 | €1,588,327 | -€44,137 | -2.7% |
| Land and buildings | 22 | €1,632,465 | €1,588,327 | -€44,137 | -2.7% |
| Current assets | 29/58 | €55,198 | €88,520 | +€33,322 | +60.4% |
| Amounts receivable within one year | 40/41 | €293 | €8,707 | +€8,414 | +2867.7% |
| Trade receivables | 40 | - | €3,807 | +€3,807 | |
| Other amounts receivable | 41 | €293 | €4,900 | +€4,607 | +1570.0% |
| Current investments | 50/53 | €39,153 | €62,452 | +€23,300 | +59.5% |
| Cash at bank and in hand | 54/58 | €15,752 | €17,360 | +€1,608 | +10.2% |
| Total equity and liabilities | 10/49 | €1,687,663 | €1,676,847 | -€10,816 | -0.6% |
| Equity | 10/15 | €165,018 | €150,334 | -€14,684 | -8.9% |
| Contributions | 10/11 | €200,000 | €200,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€34,982 | -€49,666 | -€14,684 | -42.0% |
| Amounts payable | 17/49 | €1,522,645 | €1,526,513 | +€3,868 | +0.3% |
| Amounts payable within one year | 42/48 | €1,518,706 | €1,526,513 | +€7,806 | +0.5% |
| Financial debts | 43 | €175,000 | €175,000 | = | 0.0% |
| Other loans | 439 | €175,000 | €175,000 | = | 0.0% |
| Trade debts | 44 | €1,343,706 | €1,347,075 | +€3,368 | +0.3% |
| Suppliers | 440/4 | €1,343,706 | €1,347,075 | +€3,368 | +0.3% |
| Other amounts payable | 47/48 | - | €4,438 | +€4,438 | |
| Accrued charges and deferred income | 492/3 | €3,938 | €0 | -€3,938 | -100.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €44,137 | €44,137 | = | 0.0% |
| Other operating charges | 640/8 | €579 | €4,406 | +€3,827 | +661.0% |
| Gross operating margin | 9900 | €43,362 | €36,976 | -€6,387 | -14.7% |
| Operating profit (loss) | 9901 | -€1,354 | -€11,567 | -€10,213 | -754.3% |
| Financial income | 75/76B | €0 | - | = | |
| Recurring financial income | 75 | €0 | - | = | |
| Financial charges | 65/66B | €197 | €3,117 | +€2,919 | +1479.4% |
| Recurring financial charges | 65 | €197 | €454 | +€256 | +129.8% |
| Non-recurring financial charges | 66B | - | €2,663 | +€2,663 | |
| Profit (loss) for the period before taxes | 9903 | -€1,551 | -€14,684 | -€13,132 | -846.6% |
| Profit (loss) for the period | 9904 | -€1,551 | -€14,684 | -€13,132 | -846.6% |
| Profit (loss) for the period to be appropriated | 9905 | -€1,551 | -€14,684 | -€13,132 | -846.6% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 7 October 2026 via checked.be.