BIZZ - CARDS SOLUTIONS: what changed
Two financial 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.
BIZZ - CARDS SOLUTIONS
Largest movements
- Stocks and contracts +€92,376
up €92,376 (+99.0%), from €93,341 to €185,716
- Cash -€41,481
down €41,481 (-53.2%), from €78,007 to €36,527
mainly Stocks and contracts (-€92,376) and Debts after one year (-€83,490)
- Tangible fixed assets -€39,618
down €39,618 (-11.3%), from €350,531 to €310,912
of which Plant, machinery and equipment: -€29,249
- Current investments -€37,447
down €37,447 (-30.2%), from €123,956 to €86,509
- Receivables within one year -€19,349
down €19,349 (-3.0%), from €637,777 to €618,427
of which Trade receivables: -€67,626
- Profit (loss) carried forward +€85,774
up €85,774 (+9.0%), from -€956,008 to -€870,234
- Debts after one year -€83,490
down €83,490 (-4.7%), from €1.8m to €1.7m
- Trade debts -€78,957
down €78,957 (-36.8%), from €214,593 to €135,635
- Gross operating margin -€256,791
down €256,791 (-25.0%), from €1.0m to €770,283
- Depreciation +€65,010
up €65,010 (+157%), from €41,457 to €106,467
- Financial income +€14,129
up €14,129 (+157%), from €8,996 to €23,125
- Staff costs +€10,866
up €10,866 (+1.9%), from €576,024 to €586,890
From the 2024 result to the 2025 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.
Derived cash bridge
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,320,715 | €1,259,037 | -€61,678 | -4.7% |
| Fixed assets | 21/28 | €377,551 | €321,860 | -€55,691 | -14.8% |
| Intangible fixed assets | 21 | €27,021 | €10,948 | -€16,073 | -59.5% |
| Tangible fixed assets | 22/27 | €350,531 | €310,912 | -€39,618 | -11.3% |
| Plant, machinery and equipment | 23 | €336,002 | €306,752 | -€29,249 | -8.7% |
| Other tangible fixed assets | 26 | €14,529 | €4,160 | -€10,369 | -71.4% |
| Current assets | 29/58 | €943,164 | €937,177 | -€5,987 | -0.6% |
| Stocks and contracts in progress | 3 | €93,341 | €185,716 | +€92,376 | +99.0% |
| Stocks | 30/36 | €93,341 | €185,716 | +€92,376 | +99.0% |
| Amounts receivable within one year | 40/41 | €637,777 | €618,427 | -€19,349 | -3.0% |
| Trade receivables | 40 | €632,475 | €564,849 | -€67,626 | -10.7% |
| Other amounts receivable | 41 | €5,301 | €53,578 | +€48,277 | +911% |
| Current investments | 50/53 | €123,956 | €86,509 | -€37,447 | -30.2% |
| Cash at bank and in hand | 54/58 | €78,007 | €36,527 | -€41,481 | -53.2% |
| Deferred charges and accrued income | 490/1 | €10,083 | €9,998 | -€85 | -0.8% |
| Total equity and liabilities | 10/49 | €1,320,715 | €1,259,037 | -€61,678 | -4.7% |
| Equity | 10/15 | -€863,208 | -€777,434 | +€85,774 | +9.9% |
| Contributions | 10/11 | €63,000 | €63,000 | = | 0.0% |
| Capital | 10 | €63,000 | €63,000 | = | 0.0% |
| Issued capital | 100 | €63,000 | €63,000 | = | 0.0% |
| Reserves | 13 | €29,800 | €29,800 | = | 0.0% |
| Non-distributable reserves | 130/1 | €6,300 | €6,300 | = | 0.0% |
| Legal reserve | 130 | €6,300 | €6,300 | = | 0.0% |
| Tax-exempt reserves | 132 | €23,500 | €23,500 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€956,008 | -€870,234 | +€85,774 | +9.0% |
| Amounts payable | 17/49 | €2,183,923 | €2,036,472 | -€147,451 | -6.8% |
| Amounts payable after more than one year | 17 | €1,781,087 | €1,697,597 | -€83,490 | -4.7% |
| Financial debts | 170/4 | €1,781,087 | €1,697,597 | -€83,490 | -4.7% |
| Amounts payable within one year | 42/48 | €374,671 | €306,260 | -€68,411 | -18.3% |
| Current portion of amounts payable after more than one year | 42 | €81,095 | €83,490 | +€2,395 | +3.0% |
| Trade debts | 44 | €214,593 | €135,635 | -€78,957 | -36.8% |
| Suppliers | 440/4 | €214,593 | €135,635 | -€78,957 | -36.8% |
| Taxes, remuneration and social security | 45 | €78,983 | €87,134 | +€8,151 | +10.3% |
| Taxes | 450/3 | €19,386 | €18,948 | -€438 | -2.3% |
| Remuneration and social security | 454/9 | €59,597 | €68,186 | +€8,589 | +14.4% |
| Accrued charges and deferred income | 492/3 | €28,165 | €32,615 | +€4,450 | +15.8% |
| Non-recurring operating income | 76A | €117,300 | - | -€117,300 | |
| Remuneration, social security and pensions | 62 | €576,024 | €586,890 | +€10,866 | +1.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €41,457 | €106,467 | +€65,010 | +157% |
| Other operating charges | 640/8 | €2,114 | €1,578 | -€537 | -25.4% |
| Gross operating margin | 9900 | €1,027,074 | €770,283 | -€256,791 | -25.0% |
| Operating profit (loss) | 9901 | €407,479 | €75,348 | -€332,130 | -81.5% |
| Financial income | 75/76B | €8,996 | €23,125 | +€14,129 | +157% |
| Recurring financial income | 75 | €8,996 | €23,125 | +€14,129 | +157% |
| Financial charges | 65/66B | €17,446 | €12,520 | -€4,926 | -28.2% |
| Recurring financial charges | 65 | €17,446 | €12,520 | -€4,926 | -28.2% |
| Profit (loss) for the period before taxes | 9903 | €399,029 | €85,953 | -€313,076 | -78.5% |
| Income taxes | 67/77 | €168 | €179 | +€11 | +6.5% |
| Profit (loss) for the period | 9904 | €398,861 | €85,774 | -€313,087 | -78.5% |
| Profit (loss) for the period to be appropriated | 9905 | €398,861 | €85,774 | -€313,087 | -78.5% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 16 October 2026 via checked.be.