BIKE4LIFE: what changed
What changed
BIKE4LIFE
NACE 47.632, Retail sale of bicycles
filed annual accounts (NBB)
Net result for the year
€19,678
2024 · €43,124-€23,446
Equity
€264,552
2024 · €264,874-€322
Cash
€22,604
2024 · €15,787+€6,818
Balance sheet total
€1.1m
2024 · €1.1m-€6,641
Largest movements
Assets
- Receivables within one year +€38,168
up €38,168 (+74.8%), from €51,009 to €89,178
of which Trade receivables: +€38,126
- Tangible fixed assets -€29,452
down €29,452 (-5.8%), from €508,086 to €478,634
of which Land and buildings: -€28,131
- Stocks and contracts -€11,723
down €11,723 (-2.3%), from €502,571 to €490,848
Equity and liabilities
- Trade debts +€52,174
up €52,174 (+76.7%), from €68,047 to €120,221
- Debts after one year -€49,077
down €49,077 (-11.5%), from €426,244 to €377,166
- Current portion of long-term debt +€31,180
up €31,180 (+62.9%), from €49,535 to €80,715
- Short-term financial debts -€15,000
down €15,000 (-15.0%), from €100,000 to €85,000
- Other debts -€14,805
down €14,805 (-8.8%), from €168,053 to €153,248
Income statement
- Gross operating margin -€24,944
down €24,944 (-12.1%), from €206,487 to €181,542
- Financial charges -€16,318
down €16,318 (-43.6%), from €37,406 to €21,088
- Staff costs +€9,592
up €9,592 (+14.4%), from €66,445 to €76,037
- Depreciation +€4,428
up €4,428 (+9.5%), from €46,678 to €51,106
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
€43,124
Gross operating margin
-€24,944
Staff costs
-€9,592
Depreciation
-€4,428
Other operating charges
+€710
Financial income
-€96
Financial charges
+€16,318
Taxes
-€1,414
Result 2025
€19,678
raises the resultlowers the result
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
+€71,370
Investment
-€11,654
Financing
-€52,898
Cash 2024
€15,787
From operations (derived)
+€71,370
Net result for the year
+€19,678
Depreciation
+€51,106
Stocks and contracts
+€11,723
Receivables within one year
-€38,168
Deferred charges and accrued income
+€453
Trade debts
+€52,174
Tax, wage and social debts
+€6,495
Advances received
-€10,090
Other debts
-€14,805
Accrued charges and deferred income
-€7,195
Investment (derived)
-€11,654
Investment in fixed assets (net)
-€11,654
Financing
-€52,898
Debts after one year
-€49,077
Current portion of long-term debt
+€31,180
Short-term financial debts
-€15,000
Contributions, distributions and other
-€20,000
Cash 2025
€22,604
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,137,905 | €1,131,264 | -€6,641 | -0.6% |
| Fixed assets | 21/28 | €568,086 | €528,634 | -€39,452 | -6.9% |
| Intangible fixed assets | 21 | €60,000 | €50,000 | -€10,000 | -16.7% |
| Tangible fixed assets | 22/27 | €508,086 | €478,634 | -€29,452 | -5.8% |
| Land and buildings | 22 | €466,596 | €438,465 | -€28,131 | -6.0% |
| Furniture and vehicles | 24 | €33,690 | €26,992 | -€6,698 | -19.9% |
| Other tangible fixed assets | 26 | €7,799 | €13,177 | +€5,378 | +68.9% |
| Current assets | 29/58 | €569,820 | €602,630 | +€32,811 | +5.8% |
| Stocks and contracts in progress | 3 | €502,571 | €490,848 | -€11,723 | -2.3% |
| Stocks | 30/36 | €502,571 | €490,848 | -€11,723 | -2.3% |
| Amounts receivable within one year | 40/41 | €51,009 | €89,178 | +€38,168 | +74.8% |
| Trade receivables | 40 | €49,860 | €87,986 | +€38,126 | +76.5% |
| Other amounts receivable | 41 | €1,149 | €1,192 | +€43 | +3.7% |
| Cash at bank and in hand | 54/58 | €15,787 | €22,604 | +€6,818 | +43.2% |
| Deferred charges and accrued income | 490/1 | €453 | - | -€453 | |
| Total equity and liabilities | 10/49 | €1,137,905 | €1,131,264 | -€6,641 | -0.6% |
| Equity | 10/15 | €264,874 | €264,552 | -€322 | -0.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Contributions outside capital | 11 | €18,600 | €18,600 | = | 0.0% |
| Other | 1109/19 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €244,414 | €244,092 | -€322 | -0.1% |
| Amounts payable | 17/49 | €873,031 | €866,713 | -€6,318 | -0.7% |
| Amounts payable after more than one year | 17 | €426,244 | €377,166 | -€49,077 | -11.5% |
| Financial debts | 170/4 | €426,244 | €377,166 | -€49,077 | -11.5% |
| Amounts payable within one year | 42/48 | €433,132 | €483,085 | +€49,954 | +11.5% |
| Current portion of amounts payable after more than one year | 42 | €49,535 | €80,715 | +€31,180 | +62.9% |
| Financial debts | 43 | €100,000 | €85,000 | -€15,000 | -15.0% |
| Credit institutions | 430/8 | €100,000 | €85,000 | -€15,000 | -15.0% |
| Trade debts | 44 | €68,047 | €120,221 | +€52,174 | +76.7% |
| Suppliers | 440/4 | €68,047 | €120,221 | +€52,174 | +76.7% |
| Advances received on contracts in progress | 46 | €10,090 | - | -€10,090 | |
| Taxes, remuneration and social security | 45 | €37,407 | €43,902 | +€6,495 | +17.4% |
| Taxes | 450/3 | €22,796 | €32,188 | +€9,391 | +41.2% |
| Remuneration and social security | 454/9 | €14,611 | €11,715 | -€2,896 | -19.8% |
| Other amounts payable | 47/48 | €168,053 | €153,248 | -€14,805 | -8.8% |
| Accrued charges and deferred income | 492/3 | €13,656 | €6,461 | -€7,195 | -52.7% |
| Remuneration, social security and pensions | 62 | €66,445 | €76,037 | +€9,592 | +14.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €46,678 | €51,106 | +€4,428 | +9.5% |
| Other operating charges | 640/8 | €7,410 | €6,700 | -€710 | -9.6% |
| Gross operating margin | 9900 | €206,487 | €181,542 | -€24,944 | -12.1% |
| Operating profit (loss) | 9901 | €85,954 | €47,700 | -€38,254 | -44.5% |
| Financial income | 75/76B | €1,420 | €1,323 | -€96 | -6.8% |
| Recurring financial income | 75 | €1,420 | €1,323 | -€96 | -6.8% |
| Financial charges | 65/66B | €37,406 | €21,088 | -€16,318 | -43.6% |
| Recurring financial charges | 65 | €37,406 | €21,088 | -€16,318 | -43.6% |
| Profit (loss) for the period before taxes | 9903 | €49,967 | €27,935 | -€22,033 | -44.1% |
| Income taxes | 67/77 | €6,843 | €8,257 | +€1,414 | +20.7% |
| Profit (loss) for the period | 9904 | €43,124 | €19,678 | -€23,446 | -54.4% |
| Profit (loss) for the period to be appropriated | 9905 | €43,124 | €19,678 | -€23,446 | -54.4% |
Next steps
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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 2 November 2026 via checked.be.