BBVL: 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.
BBVL
Largest movements
- Cash -€3,669
down €3,669 (-91.4%), from €4,012 to €344
mainly Net result for the year (-€4,924) and Tax, wage and social debts (-€2,281)
- Receivables within one year -€2,233
down €2,233 (-75.6%), from €2,955 to €722
- Deferred charges and accrued income +€1,461
new in 2025: €1,461
- Profit (loss) carried forward -€4,924
down €4,924 (-268.8%), from -€1,832 to -€6,756
- Other debts +€3,499
new in 2025: €3,499
- Tax, wage and social debts -€2,281
down €2,281 (-71.6%), from €3,184 to €903
of which Remuneration and social security: -€2,180
- Trade debts -€734
down €734 (-45.4%), from €1,615 to €881
- Gross operating margin -€1,519
down €1,519 (-83.5%), from -€1,820 to -€3,339
- Other operating charges +€1,200
up €1,200 (+12004800.0%), from €0 to €1,200
- Financial charges +€210
up €210 (+1729.8%), from €12 to €222
- Taxes +€164
new in 2025: €164
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 | €6,967 | €2,527 | -€4,440 | -63.7% |
| Current assets | 29/58 | €6,967 | €2,527 | -€4,440 | -63.7% |
| Amounts receivable within one year | 40/41 | €2,955 | €722 | -€2,233 | -75.6% |
| Trade receivables | 40 | €2,955 | €722 | -€2,233 | -75.6% |
| Cash at bank and in hand | 54/58 | €4,012 | €344 | -€3,669 | -91.4% |
| Deferred charges and accrued income | 490/1 | - | €1,461 | +€1,461 | |
| Total equity and liabilities | 10/49 | €6,967 | €2,527 | -€4,440 | -63.7% |
| Equity | 10/15 | €2,168 | -€2,756 | -€4,924 | |
| Contributions | 10/11 | €4,000 | €4,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€1,832 | -€6,756 | -€4,924 | -268.8% |
| Amounts payable | 17/49 | €4,799 | €5,284 | +€485 | +10.1% |
| Amounts payable within one year | 42/48 | €4,799 | €5,284 | +€485 | +10.1% |
| Trade debts | 44 | €1,615 | €881 | -€734 | -45.4% |
| Suppliers | 440/4 | €1,615 | €881 | -€734 | -45.4% |
| Taxes, remuneration and social security | 45 | €3,184 | €903 | -€2,281 | -71.6% |
| Taxes | 450/3 | €1,004 | €903 | -€101 | -10.0% |
| Remuneration and social security | 454/9 | €2,180 | €0 | -€2,180 | -100.0% |
| Other amounts payable | 47/48 | - | €3,499 | +€3,499 | |
| Other operating charges | 640/8 | €0 | €1,200 | +€1,200 | +12004800.0% |
| Gross operating margin | 9900 | -€1,820 | -€3,339 | -€1,519 | -83.5% |
| Operating profit (loss) | 9901 | -€1,820 | -€4,539 | -€2,720 | -149.5% |
| Financial income | 75/76B | - | €2 | +€2 | |
| Recurring financial income | 75 | - | €2 | +€2 | |
| Financial charges | 65/66B | €12 | €222 | +€210 | +1729.8% |
| Recurring financial charges | 65 | €12 | €222 | +€210 | +1729.8% |
| Profit (loss) for the period before taxes | 9903 | -€1,832 | -€4,760 | -€2,929 | -159.9% |
| Income taxes | 67/77 | - | €164 | +€164 | |
| Profit (loss) for the period | 9904 | -€1,832 | -€4,924 | -€3,093 | -168.8% |
| Profit (loss) for the period to be appropriated | 9905 | -€1,832 | -€4,924 | -€3,093 | -168.8% |
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 3 October 2026 via checked.be.