BANONZO: what changed
Two financial 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.
BANONZO
Largest movements
- Cash -€34,643
down €34,643 (-61.3%), from €56,518 to €21,875
mainly Contributions, distributions and other (-€36,968) and Investment in fixed assets (net) (-€13,481)
- Tangible fixed assets -€10,460
down €10,460 (-31.0%), from €33,762 to €23,302
of which Furniture and vehicles: -€10,701
- Deferred charges and accrued income -€4,282
down €4,282 (-70.5%), from €6,072 to €1,790
- Reserves -€28,876
down €28,876 (-27.5%), from €105,093 to €76,217
of which Distributable reserves: -€28,876
- Current portion of long-term debt -€8,838
down €8,838 (-58.1%), from €15,223 to €6,386
- Debts after one year -€6,386
down €6,386 (-100%), from €6,386 to €0
- Other debts -€2,901
down €2,901 (-100%), from €2,901 to €0
- Gross operating margin +€10,186
up €10,186 (+36.0%), from €28,277 to €38,463
- Taxes +€1,709
up €1,709 (+55.2%), from €3,096 to €4,805
- Depreciation +€1,413
up €1,413 (+6.3%), from €22,528 to €23,940
- Other operating charges +€572
up €572 (+81.2%), from €704 to €1,276
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.
Derived cash bridge
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 | €142,722 | €94,140 | -€48,582 | -34.0% |
| Fixed assets | 21/28 | €33,762 | €23,302 | -€10,460 | -31.0% |
| Tangible fixed assets | 22/27 | €33,762 | €23,302 | -€10,460 | -31.0% |
| Plant, machinery and equipment | 23 | €9,692 | €9,933 | +€241 | +2.5% |
| Furniture and vehicles | 24 | €24,070 | €13,369 | -€10,701 | -44.5% |
| Current assets | 29/58 | €108,960 | €70,838 | -€38,122 | -35.0% |
| Amounts receivable within one year | 40/41 | €46,370 | €47,173 | +€803 | +1.7% |
| Trade receivables | 40 | €33,342 | €33,342 | = | 0.0% |
| Other amounts receivable | 41 | €13,028 | €13,831 | +€803 | +6.2% |
| Cash at bank and in hand | 54/58 | €56,518 | €21,875 | -€34,643 | -61.3% |
| Deferred charges and accrued income | 490/1 | €6,072 | €1,790 | -€4,282 | -70.5% |
| Total equity and liabilities | 10/49 | €142,722 | €94,140 | -€48,582 | -34.0% |
| Equity | 10/15 | €111,293 | €82,417 | -€28,876 | -25.9% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €105,093 | €76,217 | -€28,876 | -27.5% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €103,233 | €74,357 | -€28,876 | -28.0% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €31,428 | €11,722 | -€19,706 | -62.7% |
| Amounts payable after more than one year | 17 | €6,386 | €0 | -€6,386 | -100% |
| Financial debts | 170/4 | €6,386 | €0 | -€6,386 | -100% |
| Amounts payable within one year | 42/48 | €25,043 | €11,722 | -€13,320 | -53.2% |
| Current portion of amounts payable after more than one year | 42 | €15,223 | €6,386 | -€8,838 | -58.1% |
| Financial debts | 43 | €53 | €0 | -€53 | -100% |
| Credit institutions | 430/8 | €53 | €0 | -€53 | -100% |
| Trade debts | 44 | €1,209 | €457 | -€751 | -62.1% |
| Suppliers | 440/4 | €1,209 | €457 | -€751 | -62.1% |
| Taxes, remuneration and social security | 45 | €5,657 | €4,879 | -€778 | -13.7% |
| Taxes | 450/3 | €5,657 | €4,879 | -€778 | -13.7% |
| Other amounts payable | 47/48 | €2,901 | €0 | -€2,901 | -100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €22,528 | €23,940 | +€1,413 | +6.3% |
| Other operating charges | 640/8 | €704 | €1,276 | +€572 | +81.2% |
| Gross operating margin | 9900 | €28,277 | €38,463 | +€10,186 | +36.0% |
| Operating profit (loss) | 9901 | €5,045 | €13,247 | +€8,202 | +163% |
| Financial income | 75/76B | €3 | €7 | +€4 | +158% |
| Recurring financial income | 75 | €3 | €7 | +€4 | +158% |
| Financial charges | 65/66B | €417 | €356 | -€61 | -14.7% |
| Recurring financial charges | 65 | €417 | €356 | -€61 | -14.7% |
| Profit (loss) for the period before taxes | 9903 | €4,630 | €12,897 | +€8,267 | +179% |
| Income taxes | 67/77 | €3,096 | €4,805 | +€1,709 | +55.2% |
| Profit (loss) for the period | 9904 | €1,534 | €8,092 | +€6,558 | +427% |
| Profit (loss) for the period to be appropriated | 9905 | €1,534 | €8,092 | +€6,558 | +427% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 21 October 2026 via checked.be.