BNV IMMO: 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.
BNV IMMO
Largest movements
- Receivables within one year -€163,973
down €163,973 (-93.1%), from €176,072 to €12,099
of which Trade receivables: -€162,642
- Deferred charges and accrued income -€2,849
down €2,849 (-100%), from €2,849 to €0
- Other debts -€145,582
down €145,582 (-49.1%), from €296,360 to €150,779
- Profit (loss) carried forward -€13,136
down €13,136 (-5.8%), from -€225,012 to -€238,147
- Trade debts -€4,769
down €4,769 (-100%), from €4,769 to €0
- Accrued charges and deferred income -€3,500
down €3,500 (-100%), from €3,500 to €0
- Gross operating margin -€26,449
down €26,449, from €18,904 to -€7,545
- Financial charges -€8,969
down €8,969 (-66.1%), from €13,561 to €4,591
- Other operating charges +€535
up €535 (+40.6%), from €1,316 to €1,851
- Financial income +€444
up €444 (+109%), from €408 to €851
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
A cash bridge needs two consecutive financial years: one year's result and depreciation cannot explain a change over several years. Pick two years that follow each other.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €179,618 | €12,632 | -€166,987 | -93.0% |
| Fixed assets | 21/28 | €0 | - | = | |
| Financial fixed assets | 28 | €0 | - | = | |
| Current assets | 29/58 | €179,618 | €12,632 | -€166,987 | -93.0% |
| Amounts receivable within one year | 40/41 | €176,072 | €12,099 | -€163,973 | -93.1% |
| Trade receivables | 40 | €162,642 | €0 | -€162,642 | -100% |
| Other amounts receivable | 41 | €13,430 | €12,099 | -€1,331 | -9.9% |
| Cash at bank and in hand | 54/58 | €698 | €533 | -€165 | -23.6% |
| Deferred charges and accrued income | 490/1 | €2,849 | €0 | -€2,849 | -100% |
| Total equity and liabilities | 10/49 | €179,618 | €12,632 | -€166,987 | -93.0% |
| Equity | 10/15 | -€125,012 | -€138,147 | -€13,136 | -10.5% |
| Contributions | 10/11 | €100,000 | €100,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€225,012 | -€238,147 | -€13,136 | -5.8% |
| Amounts payable | 17/49 | €304,630 | €150,779 | -€153,851 | -50.5% |
| Amounts payable within one year | 42/48 | €301,130 | €150,779 | -€150,351 | -49.9% |
| Trade debts | 44 | €4,769 | €0 | -€4,769 | -100% |
| Suppliers | 440/4 | €4,769 | €0 | -€4,769 | -100% |
| Other amounts payable | 47/48 | €296,360 | €150,779 | -€145,582 | -49.1% |
| Accrued charges and deferred income | 492/3 | €3,500 | €0 | -€3,500 | -100% |
| Other operating charges | 640/8 | €1,316 | €1,851 | +€535 | +40.6% |
| Non-recurring operating charges | 66A | €2,509 | €0 | -€2,509 | -100% |
| Gross operating margin | 9900 | €18,904 | -€7,545 | -€26,449 | |
| Operating profit (loss) | 9901 | €15,079 | -€9,396 | -€24,475 | |
| Financial income | 75/76B | €408 | €851 | +€444 | +109% |
| Recurring financial income | 75 | €408 | €851 | +€444 | +109% |
| Financial charges | 65/66B | €13,561 | €4,591 | -€8,969 | -66.1% |
| Recurring financial charges | 65 | €13,561 | €4,591 | -€8,969 | -66.1% |
| Profit (loss) for the period before taxes | 9903 | €1,926 | -€13,136 | -€15,062 | |
| Profit (loss) for the period | 9904 | €1,926 | -€13,136 | -€15,062 | |
| Profit (loss) for the period to be appropriated | 9905 | €1,926 | -€13,136 | -€15,062 |
Source: filed annual accounts (NBB), financial years ended 31 March 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 14 October 2026 via checked.be.