BMO Toiture: what changed
What changed
BMO Toiture
NACE 43.230, Insulation installation
filed annual accounts (NBB)
Net result for the year
€235,736
2024 · €190,892+€44,843
Equity
€646,782
2024 · €679,870-€33,088
Cash
€166,484
2024 · €176,601-€10,117
Balance sheet total
€823,528
2024 · €820,856+€2,672
Largest movements
Assets
- Receivables within one year +€130,711
up €130,711 (+101%), from €129,906 to €260,617
of which Trade receivables: +€98,273
- Current investments -€55,000
down €55,000 (-29.7%), from €185,000 to €130,000
- Tangible fixed assets -€52,545
down €52,545 (-20.8%), from €252,114 to €199,569
of which Furniture and vehicles: -€50,248
- Stocks and contracts -€16,854
down €16,854 (-37.5%), from €44,935 to €28,081
- Cash -€10,117
down €10,117 (-5.7%), from €176,601 to €166,484
mainly Contributions, distributions and other (-€268,823) and Receivables within one year (-€130,711)
Equity and liabilities
- Trade debts +€50,552
up €50,552 (+323%), from €15,648 to €66,200
- Reserves -€33,088
down €33,088 (-5.0%), from €657,870 to €624,782
of which Distributable reserves: -€29,581
- Tax, wage and social debts +€25,595
up €25,595 (+240%), from €10,675 to €36,270
of which Taxes: +€14,178
- Current portion of long-term debt -€20,556
down €20,556 (-52.6%), from €39,080 to €18,523
- Debts after one year -€18,523
down €18,523 (-43.1%), from €42,974 to €24,451
Income statement
- Gross operating margin +€60,785
up €60,785 (+9.9%), from €612,353 to €673,138
- Taxes +€20,228
up €20,228 (+24.5%), from €82,420 to €102,647
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
€190,892
Gross operating margin
+€60,785
Staff costs
+€6,116
Depreciation
+€5,571
Provisions
+€43
Other operating charges
-€1,566
Financial income
-€4,766
Financial charges
+€395
Taxes
-€20,228
Deferred taxes and other
-€1,506
Result 2025
€235,736
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
+€285,806
Investment
+€11,980
Financing
-€307,903
Cash 2024
€176,601
From operations (derived)
+€285,806
Net result for the year
+€235,736
Depreciation
+€95,565
Stocks and contracts
+€16,854
Receivables within one year
-€130,711
Deferred charges and accrued income
-€6,477
Provisions
+€2,710
Trade debts
+€50,552
Tax, wage and social debts
+€25,595
Other debts
-€4,034
Accrued charges and deferred income
+€17
Investment (derived)
+€11,980
Investment in fixed assets (net)
-€43,020
Current investments
+€55,000
Financing
-€307,903
Debts after one year
-€18,523
Current portion of long-term debt
-€20,556
Contributions, distributions and other
-€268,823
Cash 2025
€166,484
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €820,856 | €823,528 | +€2,672 | +0.3% |
| Fixed assets | 21/28 | €253,144 | €200,599 | -€52,545 | -20.8% |
| Tangible fixed assets | 22/27 | €252,114 | €199,569 | -€52,545 | -20.8% |
| Plant, machinery and equipment | 23 | €72,959 | €69,424 | -€3,536 | -4.8% |
| Furniture and vehicles | 24 | €153,179 | €102,931 | -€50,248 | -32.8% |
| Other tangible fixed assets | 26 | €24,796 | €27,214 | +€2,419 | +9.8% |
| Assets under construction and advance payments | 27 | €1,180 | €0 | -€1,180 | -100% |
| Financial fixed assets | 28 | €1,030 | €1,030 | = | 0.0% |
| Current assets | 29/58 | €567,712 | €622,929 | +€55,217 | +9.7% |
| Stocks and contracts in progress | 3 | €44,935 | €28,081 | -€16,854 | -37.5% |
| Stocks | 30/36 | €44,935 | €28,081 | -€16,854 | -37.5% |
| Amounts receivable within one year | 40/41 | €129,906 | €260,617 | +€130,711 | +101% |
| Trade receivables | 40 | €86,134 | €184,407 | +€98,273 | +114% |
| Other amounts receivable | 41 | €43,772 | €76,210 | +€32,438 | +74.1% |
| Current investments | 50/53 | €185,000 | €130,000 | -€55,000 | -29.7% |
| Cash at bank and in hand | 54/58 | €176,601 | €166,484 | -€10,117 | -5.7% |
| Deferred charges and accrued income | 490/1 | €31,270 | €37,747 | +€6,477 | +20.7% |
| Total equity and liabilities | 10/49 | €820,856 | €823,528 | +€2,672 | +0.3% |
| Equity | 10/15 | €679,870 | €646,782 | -€33,088 | -4.9% |
| Contributions | 10/11 | €22,000 | €22,000 | = | 0.0% |
| Reserves | 13 | €657,870 | €624,782 | -€33,088 | -5.0% |
| Tax-exempt reserves | 132 | €3,507 | €0 | -€3,507 | -100% |
| Distributable reserves | 133 | €654,363 | €624,782 | -€29,581 | -4.5% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Provisions and deferred taxes | 16 | €28,230 | €30,940 | +€2,710 | +9.6% |
| Provisions for liabilities and charges | 160/5 | €27,061 | €30,940 | +€3,879 | +14.3% |
| Other liabilities and charges | 164/5 | €27,061 | €30,940 | +€3,879 | +14.3% |
| Deferred taxes | 168 | €1,169 | €0 | -€1,169 | -100% |
| Amounts payable | 17/49 | €112,756 | €145,806 | +€33,050 | +29.3% |
| Amounts payable after more than one year | 17 | €42,974 | €24,451 | -€18,523 | -43.1% |
| Financial debts | 170/4 | €42,974 | €24,451 | -€18,523 | -43.1% |
| Amounts payable within one year | 42/48 | €69,781 | €121,338 | +€51,557 | +73.9% |
| Current portion of amounts payable after more than one year | 42 | €39,080 | €18,523 | -€20,556 | -52.6% |
| Trade debts | 44 | €15,648 | €66,200 | +€50,552 | +323% |
| Suppliers | 440/4 | €15,648 | €66,200 | +€50,552 | +323% |
| Advances received on contracts in progress | 46 | €0 | - | = | |
| Taxes, remuneration and social security | 45 | €10,675 | €36,270 | +€25,595 | +240% |
| Taxes | 450/3 | €10,666 | €24,844 | +€14,178 | +133% |
| Remuneration and social security | 454/9 | €8 | €11,426 | +€11,417 | +135,758% |
| Other amounts payable | 47/48 | €4,379 | €345 | -€4,034 | -92.1% |
| Accrued charges and deferred income | 492/3 | - | €17 | +€17 | |
| Remuneration, social security and pensions | 62 | €246,828 | €240,712 | -€6,116 | -2.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €101,136 | €95,565 | -€5,571 | -5.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €0 | - | = | |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | €3,921 | €3,879 | -€43 | -1.1% |
| Other operating charges | 640/8 | €2,513 | €4,079 | +€1,566 | +62.3% |
| Gross operating margin | 9900 | €612,353 | €673,138 | +€60,785 | +9.9% |
| Operating profit (loss) | 9901 | €257,955 | €328,903 | +€70,949 | +27.5% |
| Financial income | 75/76B | €15,603 | €10,836 | -€4,766 | -30.5% |
| Recurring financial income | 75 | €15,603 | €10,836 | -€4,766 | -30.5% |
| Financial charges | 65/66B | €2,921 | €2,526 | -€395 | -13.5% |
| Recurring financial charges | 65 | €2,921 | €2,526 | -€395 | -13.5% |
| Profit (loss) for the period before taxes | 9903 | €270,637 | €337,214 | +€66,577 | +24.6% |
| Transfer from deferred taxes | 780 | €2,675 | €1,169 | -€1,506 | -56.3% |
| Income taxes | 67/77 | €82,420 | €102,647 | +€20,228 | +24.5% |
| Profit (loss) for the period | 9904 | €190,892 | €235,736 | +€44,843 | +23.5% |
| Transfer from tax-exempt reserves | 789 | €8,025 | €3,507 | -€4,518 | -56.3% |
| Profit (loss) for the period to be appropriated | 9905 | €198,917 | €239,242 | +€40,325 | +20.3% |
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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 3 November 2026 via checked.be.