BANZE: 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.
BANZE
Largest movements
- Cash -€32,701
down €32,701 (-52.5%), from €62,282 to €29,580
mainly Net result for the year (-€48,722) and Other debts (-€297)
- Receivables within one year -€13,538
down €13,538 (-99.8%), from €13,566 to €28
of which Trade receivables: -€13,104
- Tangible fixed assets -€1,621
down €1,621 (-35.6%), from €4,548 to €2,928
of which Plant, machinery and equipment: -€1,169
- Profit (loss) carried forward -€48,722
down €48,722 (-684.8%), from -€7,115 to -€55,837
- Trade debts +€1,159
up €1,159 (+476.5%), from €243 to €1,402
- Gross operating margin -€38,313
down €38,313, from €1,767 to -€36,546
- Taxes +€2,381
up €2,381 (+97.1%), from €2,453 to €4,835
- Financial charges +€1,220
up €1,220 (+1378.4%), from €89 to €1,308
- Staff costs -€406
down €406 (-8.4%), from €4,817 to €4,411
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 | €80,396 | €32,536 | -€47,860 | -59.5% |
| Fixed assets | 21/28 | €4,548 | €2,928 | -€1,621 | -35.6% |
| Tangible fixed assets | 22/27 | €4,548 | €2,928 | -€1,621 | -35.6% |
| Plant, machinery and equipment | 23 | €3,326 | €2,157 | -€1,169 | -35.1% |
| Furniture and vehicles | 24 | €717 | €364 | -€353 | -49.2% |
| Other tangible fixed assets | 26 | €506 | €406 | -€99 | -19.6% |
| Current assets | 29/58 | €75,848 | €29,608 | -€46,239 | -61.0% |
| Amounts receivable within one year | 40/41 | €13,566 | €28 | -€13,538 | -99.8% |
| Trade receivables | 40 | €13,104 | €0 | -€13,104 | -100.0% |
| Other amounts receivable | 41 | €462 | €28 | -€434 | -93.9% |
| Cash at bank and in hand | 54/58 | €62,282 | €29,580 | -€32,701 | -52.5% |
| Total equity and liabilities | 10/49 | €80,396 | €32,536 | -€47,860 | -59.5% |
| Equity | 10/15 | €79,806 | €31,084 | -€48,722 | -61.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €68,321 | €68,321 | = | 0.0% |
| 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 | €66,461 | €66,461 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€7,115 | -€55,837 | -€48,722 | -684.8% |
| Amounts payable | 17/49 | €590 | €1,452 | +€862 | +146.0% |
| Amounts payable within one year | 42/48 | €590 | €1,452 | +€862 | +146.0% |
| Trade debts | 44 | €243 | €1,402 | +€1,159 | +476.5% |
| Suppliers | 440/4 | €243 | €1,402 | +€1,159 | +476.5% |
| Taxes, remuneration and social security | 45 | - | €0 | = | |
| Taxes | 450/3 | - | €0 | = | |
| Other amounts payable | 47/48 | €347 | €50 | -€297 | -85.5% |
| Remuneration, social security and pensions | 62 | €4,817 | €4,411 | -€406 | -8.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,523 | €1,621 | +€98 | +6.4% |
| Gross operating margin | 9900 | €1,767 | -€36,546 | -€38,313 | |
| Operating profit (loss) | 9901 | -€4,573 | -€42,579 | -€38,005 | -831.0% |
| Financial charges | 65/66B | €89 | €1,308 | +€1,220 | +1378.4% |
| Recurring financial charges | 65 | €89 | €1,308 | +€1,220 | +1378.4% |
| Profit (loss) for the period before taxes | 9903 | -€4,662 | -€43,887 | -€39,225 | -841.4% |
| Income taxes | 67/77 | €2,453 | €4,835 | +€2,381 | +97.1% |
| Profit (loss) for the period | 9904 | -€7,115 | -€48,722 | -€41,607 | -584.8% |
| Profit (loss) for the period to be appropriated | 9905 | -€7,115 | -€48,722 | -€41,607 | -584.8% |
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 11 October 2026 via checked.be.