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BAND: 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

BAND

BE 0447.951.938
NACE 41.001, General construction of residential buildings
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€16,100
2024 · -€22,244+€38,344
Equity
€252,449
2024 · €236,349+€16,100
Cash
€2,139
2024 · €26,389-€24,250
Balance sheet total
€419,797
2024 · €387,631+€32,166

Largest movements

2024 to 2025
Assets
  • Receivables within one year +€50,643

    up €50,643 (+15.7%), from €323,467 to €374,110

    of which Other amounts receivable: +€77,575

  • Cash -€24,250

    down €24,250 (-91.9%), from €26,389 to €2,139

    mainly Receivables within one year (-€50,643) and Investment in fixed assets (net) (-€25,144)

  • Tangible fixed assets +€5,774

    up €5,774 (+15.3%), from €37,774 to €43,548

    of which Furniture and vehicles: +€7,568

Equity and liabilities
  • Debts after one year +€25,000

    up €25,000 (+33.2%), from €75,400 to €100,400

    of which Financial debts: +€25,000

  • Trade debts -€24,034

    down €24,034 (-55.0%), from €43,711 to €19,677

  • Profit (loss) carried forward +€16,100

    up €16,100 (+37.1%), from €43,348 to €59,448

  • Other debts +€9,615

    up €9,615 (+236.4%), from €4,068 to €13,683

  • Tax, wage and social debts +€5,490

    up €5,490 (+22.6%), from €24,290 to €29,780

    of which Remuneration and social security: +€7,254

Income statement
  • Gross operating margin +€61,791

    up €61,791 (+29.4%), from €209,910 to €271,701

  • Taxes +€11,998

    up €11,998, from €0 to €11,998

  • Depreciation +€5,716

    up €5,716 (+41.9%), from €13,655 to €19,370

  • Financial charges +€4,249

    up €4,249 (+150.8%), from €2,817 to €7,066

  • Staff costs +€3,538

    up €3,538 (+1.6%), from €216,729 to €220,267

From the 2024 result to the 2025 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 2024 -€22,244
Gross operating margin +€61,791
Staff costs -€3,538
Depreciation -€5,716
Other operating charges -€144
Other operating items +€1,365
Financial income +€833
Financial charges -€4,249
Taxes -€11,998
Result 2025 €16,100

Cash bridge derived

cash 2024 to 2025

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.

From operations -€24,101
Investment -€25,144
Financing +€24,995
Cash 2024 €26,389
Net result for the year +€16,100
Depreciation +€19,370
Receivables within one year -€50,643
Trade debts -€24,034
Tax, wage and social debts +€5,490
Other debts +€9,615
Investment in fixed assets (net) -€25,144
Debts after one year +€25,000
Current portion of long-term debt -€5
Cash 2025 €2,139
Every line side by side 47 lines
Line Code 2024 2025 Change %
Total assets 20/58 €387,631 €419,797 +€32,166 +8.3%
Fixed assets 21/28 €37,774 €43,548 +€5,774 +15.3%
Tangible fixed assets 22/27 €37,774 €43,548 +€5,774 +15.3%
Plant, machinery and equipment 23 €9,542 €5,297 -€4,245 -44.5%
Furniture and vehicles 24 €22,066 €29,635 +€7,568 +34.3%
Other tangible fixed assets 26 €6,166 €8,617 +€2,451 +39.7%
Current assets 29/58 €349,856 €376,249 +€26,392 +7.5%
Amounts receivable within one year 40/41 €323,467 €374,110 +€50,643 +15.7%
Trade receivables 40 €28,107 €1,174 -€26,933 -95.8%
Other amounts receivable 41 €295,360 €372,935 +€77,575 +26.3%
Cash at bank and in hand 54/58 €26,389 €2,139 -€24,250 -91.9%
Total equity and liabilities 10/49 €387,631 €419,797 +€32,166 +8.3%
Equity 10/15 €236,349 €252,449 +€16,100 +6.8%
Contributions 10/11 €189,750 €189,750 = 0.0%
Capital 10 €189,750 €189,750 = 0.0%
Issued capital 100 €189,750 €189,750 = 0.0%
Reserves 13 €3,251 €3,251 = 0.0%
Non-distributable reserves 130/1 €3,251 €3,251 = 0.0%
Legal reserve 130 €3,251 €3,251 = 0.0%
Profit (loss) carried forward 14 €43,348 €59,448 +€16,100 +37.1%
Amounts payable 17/49 €151,281 €167,348 +€16,066 +10.6%
Amounts payable after more than one year 17 €75,400 €100,400 +€25,000 +33.2%
Financial debts 170/4 €75,000 €100,000 +€25,000 +33.3%
Other amounts payable 178/9 €400 €400 = 0.0%
Amounts payable within one year 42/48 €75,881 €66,948 -€8,934 -11.8%
Current portion of amounts payable after more than one year 42 €3,812 €3,807 -€5 -0.1%
Trade debts 44 €43,711 €19,677 -€24,034 -55.0%
Suppliers 440/4 €43,711 €19,677 -€24,034 -55.0%
Taxes, remuneration and social security 45 €24,290 €29,780 +€5,490 +22.6%
Taxes 450/3 €5,564 €3,800 -€1,764 -31.7%
Remuneration and social security 454/9 €18,726 €25,980 +€7,254 +38.7%
Other amounts payable 47/48 €4,068 €13,683 +€9,615 +236.4%
Non-recurring operating income 76A €0 - =
Remuneration, social security and pensions 62 €216,729 €220,267 +€3,538 +1.6%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €13,655 €19,370 +€5,716 +41.9%
Other operating charges 640/8 €1,436 €1,580 +€144 +10.0%
Non-recurring operating charges 66A €1,365 €0 -€1,365 -100.0%
Gross operating margin 9900 €209,910 €271,701 +€61,791 +29.4%
Operating profit (loss) 9901 -€23,275 €30,484 +€53,759
Financial income 75/76B €3,847 €4,680 +€833 +21.6%
Recurring financial income 75 €3,847 €4,680 +€833 +21.6%
Financial charges 65/66B €2,817 €7,066 +€4,249 +150.8%
Recurring financial charges 65 €2,817 €7,066 +€4,249 +150.8%
Profit (loss) for the period before taxes 9903 -€22,244 €28,098 +€50,343
Income taxes 67/77 €0 €11,998 +€11,998
Profit (loss) for the period 9904 -€22,244 €16,100 +€38,344
Profit (loss) for the period to be appropriated 9905 -€22,244 €16,100 +€38,344

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 30 September 2026 via checked.be.