BMT RETAIL: 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.
BMT RETAIL
Largest movements
- Cash -€25,490
down €25,490 (-66.9%), from €38,122 to €12,632
mainly Net result for the year (-€14,587) and Receivables within one year (-€10,969)
- Receivables within one year +€10,969
up €10,969 (+168%), from €6,535 to €17,504
of which Trade receivables: +€5,969
- Stocks and contracts -€2,311
down €2,311 (-10.1%), from €22,814 to €20,503
- Reserves -€21,210
down €21,210 (-38.1%), from €55,617 to €34,408
- Trade debts +€7,191
up €7,191 (+106%), from €6,795 to €13,987
- Tax, wage and social debts -€2,814
down €2,814 (-55.6%), from €5,059 to €2,245
- Gross operating margin -€22,871
down €22,871 (-52.1%), from €43,880 to €21,009
- Taxes -€3,793
no longer reported in 2025 (was €3,793)
- Other operating charges +€3,139
up €3,139 (+779%), from €403 to €3,543
- Staff costs -€1,457
down €1,457 (-4.3%), from €33,523 to €32,067
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 | €67,471 | €50,639 | -€16,832 | -24.9% |
| Current assets | 29/58 | €67,471 | €50,639 | -€16,832 | -24.9% |
| Stocks and contracts in progress | 3 | €22,814 | €20,503 | -€2,311 | -10.1% |
| Stocks | 30/36 | €22,814 | €20,503 | -€2,311 | -10.1% |
| Amounts receivable within one year | 40/41 | €6,535 | €17,504 | +€10,969 | +168% |
| Trade receivables | 40 | €2,328 | €8,297 | +€5,969 | +256% |
| Other amounts receivable | 41 | €4,207 | €9,207 | +€5,000 | +119% |
| Cash at bank and in hand | 54/58 | €38,122 | €12,632 | -€25,490 | -66.9% |
| Total equity and liabilities | 10/49 | €67,471 | €50,639 | -€16,832 | -24.9% |
| Equity | 10/15 | €55,617 | €34,408 | -€21,210 | -38.1% |
| Reserves | 13 | €55,617 | €34,408 | -€21,210 | -38.1% |
| Distributable reserves | 133 | €55,617 | €34,408 | -€21,210 | -38.1% |
| Amounts payable | 17/49 | €11,854 | €16,231 | +€4,377 | +36.9% |
| Amounts payable within one year | 42/48 | €11,854 | €16,231 | +€4,377 | +36.9% |
| Trade debts | 44 | €6,795 | €13,987 | +€7,191 | +106% |
| Suppliers | 440/4 | €6,795 | €13,987 | +€7,191 | +106% |
| Taxes, remuneration and social security | 45 | €5,059 | €2,245 | -€2,814 | -55.6% |
| Taxes | 450/3 | €5,059 | €2,245 | -€2,814 | -55.6% |
| Remuneration, social security and pensions | 62 | €33,523 | €32,067 | -€1,457 | -4.3% |
| Other operating charges | 640/8 | €403 | €3,543 | +€3,139 | +779% |
| Gross operating margin | 9900 | €43,880 | €21,009 | -€22,871 | -52.1% |
| Operating profit (loss) | 9901 | €9,954 | -€14,600 | -€24,554 | |
| Financial income | 75/76B | €0 | €59 | +€58 | +24,275% |
| Recurring financial income | 75 | €0 | €59 | +€58 | +24,275% |
| Financial charges | 65/66B | €60 | €46 | -€15 | -24.4% |
| Recurring financial charges | 65 | €60 | €46 | -€15 | -24.4% |
| Profit (loss) for the period before taxes | 9903 | €9,894 | -€14,587 | -€24,481 | |
| Income taxes | 67/77 | €3,793 | - | -€3,793 | |
| Profit (loss) for the period | 9904 | €6,101 | -€14,587 | -€20,688 | |
| Profit (loss) for the period to be appropriated | 9905 | €6,101 | -€14,587 | -€20,688 |
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 31 October 2026 via checked.be.