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Bella: 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

Bella

BE 0451.346.740
NACE 47.770, Retail sale of watches and jewellery
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€4,218
2024 · €9,213-€13,431
Equity
€36,078
2024 · €40,296-€4,218
Cash
€1,880
2024 · €5,155-€3,274
Balance sheet total
€263,810
2024 · €261,395+€2,415

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets +€61,609

    up €61,609 (+889.0%), from €6,930 to €68,539

    of which Furniture and vehicles: +€60,972

  • Stocks and contracts -€54,684

    down €54,684 (-22.0%), from €248,074 to €193,390

  • Cash -€3,274

    down €3,274 (-63.5%), from €5,155 to €1,880

    mainly Investment in fixed assets (net) (-€64,491) and Other debts (-€21,637)

Equity and liabilities
  • Debts after one year +€40,963

    new in 2025: €40,963

  • Other debts -€21,637

    down €21,637 (-68.5%), from €31,584 to €9,947

  • Tax, wage and social debts -€13,546

    down €13,546 (-57.5%), from €23,546 to €10,000

  • Current portion of long-term debt +€10,686

    new in 2025: €10,686

  • Trade debts -€6,080

    down €6,080 (-5.2%), from €117,081 to €111,001

Income statement
  • Gross operating margin -€16,951

    down €16,951 (-69.4%), from €24,409 to €7,458

  • Taxes -€4,733

    no longer reported in 2025 (was €4,733)

  • Financial charges +€3,949

    up €3,949 (+170.5%), from €2,316 to €6,265

  • Other operating charges -€3,876

    down €3,876 (-59.6%), from €6,505 to €2,629

  • Depreciation +€711

    up €711 (+32.7%), from €2,171 to €2,882

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 €9,213
Gross operating margin -€16,951
Depreciation -€711
Other operating charges +€3,876
Financial income -€430
Financial charges -€3,949
Taxes +€4,733
Result 2025 -€4,218

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 +€13,321
Investment -€64,491
Financing +€47,896
Cash 2024 €5,155
Net result for the year -€4,218
Depreciation +€2,882
Stocks and contracts +€54,684
Receivables within one year +€1,236
Trade debts -€6,080
Tax, wage and social debts -€13,546
Other debts -€21,637
Investment in fixed assets (net) -€64,491
Debts after one year +€40,963
Current portion of long-term debt +€10,686
Short-term financial debts -€3,753
Cash 2025 €1,880
Every line side by side 44 lines
Line Code 2024 2025 Change %
Total assets 20/58 €261,395 €263,810 +€2,415 +0.9%
Fixed assets 21/28 €6,930 €68,539 +€61,609 +889.0%
Tangible fixed assets 22/27 €6,930 €68,539 +€61,609 +889.0%
Plant, machinery and equipment 23 €5,532 €6,169 +€637 +11.5%
Furniture and vehicles 24 €1,398 €62,371 +€60,972 +4361.3%
Current assets 29/58 €254,465 €195,270 -€59,195 -23.3%
Stocks and contracts in progress 3 €248,074 €193,390 -€54,684 -22.0%
Stocks 30/36 €248,074 €193,390 -€54,684 -22.0%
Amounts receivable within one year 40/41 €1,236 - -€1,236
Other amounts receivable 41 €1,236 - -€1,236
Cash at bank and in hand 54/58 €5,155 €1,880 -€3,274 -63.5%
Total equity and liabilities 10/49 €261,395 €263,810 +€2,415 +0.9%
Equity 10/15 €40,296 €36,078 -€4,218 -10.5%
Contributions 10/11 €18,592 €18,592 = 0.0%
Reserves 13 €512 €512 = 0.0%
Non-distributable reserves 130/1 €512 €512 = 0.0%
Reserves not available under the articles 1311 €512 €512 = 0.0%
Profit (loss) carried forward 14 €21,192 €16,974 -€4,218 -19.9%
Amounts payable 17/49 €221,099 €227,732 +€6,633 +3.0%
Amounts payable after more than one year 17 - €40,963 +€40,963
Financial debts 170/4 - €40,963 +€40,963
Amounts payable within one year 42/48 €199,964 €165,634 -€34,330 -17.2%
Current portion of amounts payable after more than one year 42 - €10,686 +€10,686
Financial debts 43 €27,753 €24,000 -€3,753 -13.5%
Credit institutions 430/8 €3,753 - -€3,753
Other loans 439 €24,000 €24,000 = 0.0%
Trade debts 44 €117,081 €111,001 -€6,080 -5.2%
Suppliers 440/4 €117,081 €111,001 -€6,080 -5.2%
Taxes, remuneration and social security 45 €23,546 €10,000 -€13,546 -57.5%
Taxes 450/3 €23,546 €10,000 -€13,546 -57.5%
Other amounts payable 47/48 €31,584 €9,947 -€21,637 -68.5%
Accrued charges and deferred income 492/3 €21,135 €21,135 = 0.0%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €2,171 €2,882 +€711 +32.7%
Other operating charges 640/8 €6,505 €2,629 -€3,876 -59.6%
Gross operating margin 9900 €24,409 €7,458 -€16,951 -69.4%
Operating profit (loss) 9901 €15,733 €1,947 -€13,786 -87.6%
Financial income 75/76B €530 €100 -€430 -81.1%
Recurring financial income 75 €530 €100 -€430 -81.1%
Financial charges 65/66B €2,316 €6,265 +€3,949 +170.5%
Recurring financial charges 65 €2,316 €6,265 +€3,949 +170.5%
Profit (loss) for the period before taxes 9903 €13,946 -€4,218 -€18,164
Income taxes 67/77 €4,733 - -€4,733
Profit (loss) for the period 9904 €9,213 -€4,218 -€13,431
Profit (loss) for the period to be appropriated 9905 €9,213 -€4,218 -€13,431

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 29 September 2026 via checked.be.