BETTINA SCHWARZ: what changed
What changed
BETTINA SCHWARZ
NACE 46.711, Wholesale of cars and light vans (up to 3.5 tonnes)
filed annual accounts (NBB)
Net result for the year
-€180,296
2024 · -€144,685-€35,610
Equity
-€246,760
2024 · -€66,464-€180,296
Cash
-
2024 · €0
Balance sheet total
€495,672
2024 · €1.0m-€527,475
Largest movements
Assets
- Tangible fixed assets -€370,288
down €370,288 (-48.8%), from €758,208 to €387,920
of which Land and buildings: -€318,460
- Receivables within one year -€124,164
down €124,164 (-81.6%), from €152,130 to €27,966
of which Trade receivables: -€92,632
- Deferred charges and accrued income -€33,022
down €33,022 (-31.8%), from €103,859 to €70,837
Equity and liabilities
- Profit (loss) carried forward -€180,296
down €180,296 (-205%), from -€88,117 to -€268,413
- Debts after one year -€132,395
down €132,395 (-34.7%), from €381,436 to €249,041
- Other debts -€127,315
down €127,315 (-22.1%), from €575,559 to €448,244
- Trade debts -€65,509
down €65,509 (-93.9%), from €69,754 to €4,246
- Current portion of long-term debt -€42,901
down €42,901 (-76.1%), from €56,356 to €13,455
Income statement
- Financial income -€50,707
down €50,707 (-99.9%), from €50,745 to €38
- Gross operating margin +€4,276
up €4,276 (+3.9%), from -€110,140 to -€105,864
- Other operating charges -€3,781
down €3,781 (-24.6%), from €15,394 to €11,613
- Depreciation -€3,377
down €3,377 (-5.8%), from €58,092 to €54,715
- Financial charges +€1,493
up €1,493 (+22.5%), from €6,649 to €8,142
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
-€144,685
Gross operating margin
+€4,276
Depreciation
+€3,377
Other operating charges
+€3,781
Other operating items
+€5,155
Financial income
-€50,707
Financial charges
-€1,493
Result 2025
-€180,296
raises the resultlowers the resultnot broken down further in the accounts
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
-€155,665
Investment
+€315,573
Financing
-€159,908
Cash 2024
€0
From operations (derived)
-€155,665
Net result for the year
-€180,296
Depreciation
+€54,715
Receivables within one year
+€124,164
Deferred charges and accrued income
+€33,022
Trade debts
-€65,509
Tax, wage and social debts
+€6,120
Other debts
-€127,315
Accrued charges and deferred income
-€567
Investment (derived)
+€315,573
Investment in fixed assets (net)
+€315,573
Financing
-€159,908
Debts after one year
-€132,395
Current portion of long-term debt
-€42,901
Short-term financial debts
+€15,388
Cash 2025
€0
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,023,147 | €495,672 | -€527,475 | -51.6% |
| Fixed assets | 21/28 | €758,208 | €387,920 | -€370,288 | -48.8% |
| Tangible fixed assets | 22/27 | €758,208 | €387,920 | -€370,288 | -48.8% |
| Land and buildings | 22 | €614,808 | €296,348 | -€318,460 | -51.8% |
| Plant, machinery and equipment | 23 | €14,091 | €6,112 | -€7,979 | -56.6% |
| Furniture and vehicles | 24 | €129,309 | €85,460 | -€43,849 | -33.9% |
| Financial fixed assets | 28 | €0 | - | = | |
| Current assets | 29/58 | €264,939 | €107,752 | -€157,187 | -59.3% |
| Stocks and contracts in progress | 3 | €8,950 | €8,950 | = | 0.0% |
| Stocks | 30/36 | €8,950 | €8,950 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €152,130 | €27,966 | -€124,164 | -81.6% |
| Trade receivables | 40 | €99,130 | €6,498 | -€92,632 | -93.4% |
| Other amounts receivable | 41 | €53,000 | €21,467 | -€31,533 | -59.5% |
| Cash at bank and in hand | 54/58 | €0 | - | = | |
| Deferred charges and accrued income | 490/1 | €103,859 | €70,837 | -€33,022 | -31.8% |
| Total equity and liabilities | 10/49 | €1,023,147 | €495,672 | -€527,475 | -51.6% |
| Equity | 10/15 | -€66,464 | -€246,760 | -€180,296 | -271% |
| Contributions | 10/11 | €18,592 | €18,592 | = | 0.0% |
| Reserves | 13 | €3,061 | €3,061 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,859 | €1,859 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,859 | €1,859 | = | 0.0% |
| Distributable reserves | 133 | €1,201 | €1,201 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€88,117 | -€268,413 | -€180,296 | -205% |
| Amounts payable | 17/49 | €1,089,611 | €742,432 | -€347,179 | -31.9% |
| Amounts payable after more than one year | 17 | €381,436 | €249,041 | -€132,395 | -34.7% |
| Financial debts | 170/4 | €381,436 | €249,041 | -€132,395 | -34.7% |
| Amounts payable within one year | 42/48 | €707,609 | €493,392 | -€214,217 | -30.3% |
| Current portion of amounts payable after more than one year | 42 | €56,356 | €13,455 | -€42,901 | -76.1% |
| Financial debts | 43 | €4,651 | €20,040 | +€15,388 | +331% |
| Credit institutions | 430/8 | €4,651 | €20,040 | +€15,388 | +331% |
| Trade debts | 44 | €69,754 | €4,246 | -€65,509 | -93.9% |
| Suppliers | 440/4 | €69,754 | €4,246 | -€65,509 | -93.9% |
| Taxes, remuneration and social security | 45 | €1,288 | €7,408 | +€6,120 | +475% |
| Taxes | 450/3 | €1,288 | €7,408 | +€6,120 | +475% |
| Other amounts payable | 47/48 | €575,559 | €448,244 | -€127,315 | -22.1% |
| Accrued charges and deferred income | 492/3 | €567 | €0 | -€567 | -100% |
| Non-recurring operating income | 76A | €17,349 | €20,212 | +€2,863 | +16.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €58,092 | €54,715 | -€3,377 | -5.8% |
| Other operating charges | 640/8 | €15,394 | €11,613 | -€3,781 | -24.6% |
| Non-recurring operating charges | 66A | €5,155 | €0 | -€5,155 | -100% |
| Gross operating margin | 9900 | -€110,140 | -€105,864 | +€4,276 | +3.9% |
| Operating profit (loss) | 9901 | -€188,781 | -€172,192 | +€16,589 | +8.8% |
| Financial income | 75/76B | €50,745 | €38 | -€50,707 | -99.9% |
| Recurring financial income | 75 | €50,745 | €38 | -€50,707 | -99.9% |
| Financial charges | 65/66B | €6,649 | €8,142 | +€1,493 | +22.5% |
| Recurring financial charges | 65 | €6,649 | €8,142 | +€1,493 | +22.5% |
| Profit (loss) for the period before taxes | 9903 | -€144,685 | -€180,296 | -€35,610 | -24.6% |
| Profit (loss) for the period | 9904 | -€144,685 | -€180,296 | -€35,610 | -24.6% |
| Profit (loss) for the period to be appropriated | 9905 | -€144,685 | -€180,296 | -€35,610 | -24.6% |
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Compare this company with its sector.Sector benchmark
Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 3 November 2026 via checked.be.