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BERCOTEX: 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

BERCOTEX

BE 0446.085.380
NACE 68.201, Renting and operating of own or leased residential real estate, excluding social housing
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€304,303
2024 · €304,062+€241
Equity
€1.6m
2024 · €1.3m+€304,303
Cash
€252,197
2024 · €417,921-€165,724
Balance sheet total
€1.6m
2024 · €1.3m+€303,316

Largest movements

2024 to 2025
Assets
  • Receivables within one year +€489,627

    up €489,627 (+88.4%), from €554,018 to €1.0m

    of which Trade receivables: +€409,107

  • Cash -€165,724

    down €165,724 (-39.7%), from €417,921 to €252,197

    mainly Receivables within one year (-€489,627) and Deferred charges and accrued income (-€1,323)

Equity and liabilities
  • Reserves +€304,303

    up €304,303 (+23.6%), from €1.3m to €1.6m

    of which Distributable reserves: +€305,804

Income statement

No income-statement line moved by more than 1% of the activity.

    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 €304,062
    Gross operating margin +€1,278
    Depreciation +€0
    Other operating charges -€387
    Financial income +€957
    Financial charges -€79
    Taxes -€1,529
    Result 2025 €304,303

    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 -€165,724
    Investment €0
    Financing €0
    Cash 2024 €417,921
    Net result for the year +€304,303
    Depreciation +€12,089
    Stocks and contracts +€9,823
    Receivables within one year -€489,627
    Deferred charges and accrued income -€1,323
    Smaller working-capital items -€987
    Cash 2025 €252,197
    Every line side by side 41 lines
    Line Code 2024 2025 Change %
    Total assets 20/58 €1,323,154 €1,626,469 +€303,316 +22.9%
    Fixed assets 21/28 €337,674 €325,585 -€12,089 -3.6%
    Tangible fixed assets 22/27 €337,674 €325,585 -€12,089 -3.6%
    Land and buildings 22 €337,674 €325,585 -€12,089 -3.6%
    Current assets 29/58 €985,480 €1,300,884 +€315,404 +32.0%
    Stocks and contracts in progress 3 €9,823 €0 -€9,823 -100.0%
    Stocks 30/36 €9,823 €0 -€9,823 -100.0%
    Amounts receivable within one year 40/41 €554,018 €1,043,645 +€489,627 +88.4%
    Trade receivables 40 €2,014 €411,121 +€409,107 +20312.6%
    Other amounts receivable 41 €552,004 €632,524 +€80,520 +14.6%
    Cash at bank and in hand 54/58 €417,921 €252,197 -€165,724 -39.7%
    Deferred charges and accrued income 490/1 €3,718 €5,042 +€1,323 +35.6%
    Total equity and liabilities 10/49 €1,323,154 €1,626,469 +€303,316 +22.9%
    Equity 10/15 €1,306,155 €1,610,457 +€304,303 +23.3%
    Contributions 10/11 €18,550 €18,550 = 0.0%
    Reserves 13 €1,287,605 €1,591,907 +€304,303 +23.6%
    Tax-exempt reserves 132 €15,011 €13,510 -€1,501 -10.0%
    Distributable reserves 133 €1,272,594 €1,578,398 +€305,804 +24.0%
    Provisions and deferred taxes 16 €3,753 €3,377 -€375 -10.0%
    Deferred taxes 168 €3,753 €3,377 -€375 -10.0%
    Amounts payable 17/49 €13,247 €12,635 -€612 -4.6%
    Amounts payable within one year 42/48 €12,129 €11,483 -€646 -5.3%
    Trade debts 44 - €302 +€302
    Suppliers 440/4 - €302 +€302
    Taxes, remuneration and social security 45 €12,129 €11,180 -€948 -7.8%
    Taxes 450/3 €12,129 €11,180 -€948 -7.8%
    Accrued charges and deferred income 492/3 €1,118 €1,152 +€34 +3.1%
    Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €12,089 €12,089 -€0 0.0%
    Other operating charges 640/8 €9,706 €10,093 +€387 +4.0%
    Gross operating margin 9900 €421,701 €422,979 +€1,278 +0.3%
    Operating profit (loss) 9901 €399,906 €400,797 +€891 +0.2%
    Financial income 75/76B €6,082 €7,039 +€957 +15.7%
    Recurring financial income 75 €6,082 €7,039 +€957 +15.7%
    Financial charges 65/66B €36 €115 +€79 +215.7%
    Recurring financial charges 65 €36 €115 +€79 +215.7%
    Profit (loss) for the period before taxes 9903 €405,951 €407,721 +€1,770 +0.4%
    Transfer from deferred taxes 780 €375 €375 = 0.0%
    Income taxes 67/77 €102,265 €103,794 +€1,529 +1.5%
    Profit (loss) for the period 9904 €304,062 €304,303 +€241 +0.1%
    Transfer from tax-exempt reserves 789 €1,501 €1,501 = 0.0%
    Profit (loss) for the period to be appropriated 9905 €305,563 €305,804 +€241 +0.1%

    Source: filed annual accounts (NBB), fiscal years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.