BANKERS CONSTRUCT: 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.
BANKERS CONSTRUCT
Largest movements
- Stocks and contracts -€711,413
down €711,413 (-86.0%), from €827,580 to €116,167
of which Contracts in progress: -€711,413
- Cash -€393,231
down €393,231 (-53.1%), from €740,453 to €347,223
mainly Advances received (-€1.2m) and Tax, wage and social debts (-€159,220)
- Receivables within one year +€44,283
up €44,283 (+5.9%), from €746,976 to €791,259
of which Other amounts receivable: +€34,342
- Advances received -€1.2m
down €1.2m (-100.0%), from €1.2m to €0
- Profit (loss) carried forward +€265,330
up €265,330 (+35.6%), from €746,113 to €1.0m
- Tax, wage and social debts -€159,220
down €159,220 (-45.7%), from €348,689 to €189,469
- Other debts -€27,435
down €27,435 (-95.4%), from €28,755 to €1,320
- Financial charges -€11,571
down €11,571 (-63.6%), from €18,203 to €6,632
- Gross operating margin +€7,430
up €7,430 (+2.2%), from €337,789 to €345,219
- Financial income +€4,944
up €4,944 (+24.4%), from €20,222 to €25,166
- Taxes +€4,673
up €4,673 (+5.0%), from €92,609 to €97,283
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 | €2,315,290 | €1,255,551 | -€1.1m | -45.8% |
| Current assets | 29/58 | €2,315,290 | €1,255,551 | -€1.1m | -45.8% |
| Stocks and contracts in progress | 3 | €827,580 | €116,167 | -€711,413 | -86.0% |
| Stocks | 30/36 | €0 | - | = | |
| Contracts in progress | 37 | €827,580 | €116,167 | -€711,413 | -86.0% |
| Amounts receivable within one year | 40/41 | €746,976 | €791,259 | +€44,283 | +5.9% |
| Trade receivables | 40 | €361 | €10,301 | +€9,941 | +2756.9% |
| Other amounts receivable | 41 | €746,615 | €780,958 | +€34,342 | +4.6% |
| Cash at bank and in hand | 54/58 | €740,453 | €347,223 | -€393,231 | -53.1% |
| Deferred charges and accrued income | 490/1 | €280 | €902 | +€623 | +222.6% |
| Total equity and liabilities | 10/49 | €2,315,290 | €1,255,551 | -€1.1m | -45.8% |
| Equity | 10/15 | €761,113 | €1,026,443 | +€265,330 | +34.9% |
| Contributions | 10/11 | €15,000 | €15,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €746,113 | €1,011,443 | +€265,330 | +35.6% |
| Amounts payable | 17/49 | €1,554,176 | €229,108 | -€1.3m | -85.3% |
| Amounts payable within one year | 42/48 | €1,554,176 | €229,108 | -€1.3m | -85.3% |
| Current portion of amounts payable after more than one year | 42 | €0 | - | = | |
| Trade debts | 44 | €25,163 | €38,319 | +€13,156 | +52.3% |
| Suppliers | 440/4 | €25,163 | €38,319 | +€13,156 | +52.3% |
| Advances received on contracts in progress | 46 | €1,151,570 | €0 | -€1.2m | -100.0% |
| Taxes, remuneration and social security | 45 | €348,689 | €189,469 | -€159,220 | -45.7% |
| Taxes | 450/3 | €348,689 | €189,469 | -€159,220 | -45.7% |
| Other amounts payable | 47/48 | €28,755 | €1,320 | -€27,435 | -95.4% |
| Other operating charges | 640/8 | €1,080 | €1,140 | +€61 | +5.6% |
| Gross operating margin | 9900 | €337,789 | €345,219 | +€7,430 | +2.2% |
| Operating profit (loss) | 9901 | €336,709 | €344,078 | +€7,369 | +2.2% |
| Financial income | 75/76B | €20,222 | €25,166 | +€4,944 | +24.4% |
| Recurring financial income | 75 | €20,222 | €25,166 | +€4,944 | +24.4% |
| Financial charges | 65/66B | €18,203 | €6,632 | -€11,571 | -63.6% |
| Recurring financial charges | 65 | €18,203 | €6,632 | -€11,571 | -63.6% |
| Profit (loss) for the period before taxes | 9903 | €338,729 | €362,612 | +€23,884 | +7.1% |
| Income taxes | 67/77 | €92,609 | €97,283 | +€4,673 | +5.0% |
| Profit (loss) for the period | 9904 | €246,119 | €265,330 | +€19,211 | +7.8% |
| Profit (loss) for the period to be appropriated | 9905 | €246,119 | €265,330 | +€19,211 | +7.8% |
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 6 October 2026 via checked.be.