BIZ FACILITY: what changed
What changed
BIZ FACILITY
NACE 68.110, Buying and selling of own real estate
filed annual accounts (NBB)
Net result for the year
-€13,561
2024 · -€29,832+€16,270
Equity
-€85,274
2024 · -€71,713-€13,561
Cash
€2,619
2024 · €3,262-€643
Balance sheet total
€1.3m
2024 · €1.4m-€71,715
Largest movements
Assets
- Tangible fixed assets -€72,598
down €72,598 (-5.6%), from €1.3m to €1.2m
of which Land and buildings: -€72,103
Equity and liabilities
- Debts after one year -€72,565
down €72,565 (-9.0%), from €805,925 to €733,360
Income statement
- Gross operating margin +€13,747
up €13,747 (+20.6%), from €66,872 to €80,619
- Financial charges -€1,517
down €1,517 (-7.7%), from €19,635 to €18,117
- Other operating charges -€1,089
down €1,089 (-23.9%), from €4,554 to €3,465
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
-€29,832
Gross operating margin
+€13,747
Depreciation
-€83
Other operating charges
+€1,089
Financial charges
+€1,517
Result 2025
-€13,561
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
+€70,369
Investment
€0
Financing
-€71,013
Cash 2024
€3,262
From operations (derived)
+€70,369
Net result for the year
-€13,561
Depreciation
+€72,598
Receivables within one year
-€216
Deferred charges and accrued income
-€1,309
Trade debts
-€626
Other debts
+€13,484
Financing
-€71,013
Debts after one year
-€72,565
Current portion of long-term debt
+€1,552
Cash 2025
€2,619
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,407,516 | €1,335,801 | -€71,715 | -5.1% |
| Fixed assets | 21/28 | €1,302,388 | €1,229,790 | -€72,598 | -5.6% |
| Tangible fixed assets | 22/27 | €1,302,388 | €1,229,790 | -€72,598 | -5.6% |
| Land and buildings | 22 | €1,297,850 | €1,225,748 | -€72,103 | -5.6% |
| Plant, machinery and equipment | 23 | €4,538 | €4,043 | -€495 | -10.9% |
| Current assets | 29/58 | €105,128 | €106,011 | +€882 | +0.8% |
| Amounts receivable within one year | 40/41 | €100,000 | €100,216 | +€216 | +0.2% |
| Other amounts receivable | 41 | €100,000 | €100,216 | +€216 | +0.2% |
| Cash at bank and in hand | 54/58 | €3,262 | €2,619 | -€643 | -19.7% |
| Deferred charges and accrued income | 490/1 | €1,866 | €3,175 | +€1,309 | +70.2% |
| Total equity and liabilities | 10/49 | €1,407,516 | €1,335,801 | -€71,715 | -5.1% |
| Equity | 10/15 | -€71,713 | -€85,274 | -€13,561 | -18.9% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€81,713 | -€95,274 | -€13,561 | -16.6% |
| Amounts payable | 17/49 | €1,479,229 | €1,421,075 | -€58,154 | -3.9% |
| Amounts payable after more than one year | 17 | €805,925 | €733,360 | -€72,565 | -9.0% |
| Financial debts | 170/4 | €805,925 | €733,360 | -€72,565 | -9.0% |
| Amounts payable within one year | 42/48 | €673,304 | €687,714 | +€14,411 | +2.1% |
| Current portion of amounts payable after more than one year | 42 | €71,013 | €72,565 | +€1,552 | +2.2% |
| Financial debts | 43 | €5,000 | €5,000 | = | 0.0% |
| Credit institutions | 430/8 | €5,000 | €5,000 | = | 0.0% |
| Trade debts | 44 | €626 | - | -€626 | |
| Suppliers | 440/4 | €626 | - | -€626 | |
| Other amounts payable | 47/48 | €596,665 | €610,149 | +€13,484 | +2.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €72,515 | €72,598 | +€83 | +0.1% |
| Other operating charges | 640/8 | €4,554 | €3,465 | -€1,089 | -23.9% |
| Gross operating margin | 9900 | €66,872 | €80,619 | +€13,747 | +20.6% |
| Operating profit (loss) | 9901 | -€10,197 | €4,556 | +€14,753 | |
| Financial charges | 65/66B | €19,635 | €18,117 | -€1,517 | -7.7% |
| Recurring financial charges | 65 | €19,635 | €18,117 | -€1,517 | -7.7% |
| Profit (loss) for the period before taxes | 9903 | -€29,832 | -€13,561 | +€16,270 | +54.5% |
| Profit (loss) for the period | 9904 | -€29,832 | -€13,561 | +€16,270 | +54.5% |
| Profit (loss) for the period to be appropriated | 9905 | -€29,832 | -€13,561 | +€16,270 | +54.5% |
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.