Bureau SAVINI: what changed
What changed
Bureau SAVINI
NACE 68.110, Buying and selling of own real estate
filed annual accounts (NBB)
Net result for the year
-€481
2024 · €7,651-€8,132
Equity
€40,465
2024 · €40,946-€481
Cash
€77,167
2024 · €41,525+€35,642
Balance sheet total
€618,134
2024 · €491,092+€127,043
Largest movements
Assets
- Receivables within one year +€95,315
up €95,315 (+49.0%), from €194,326 to €289,641
of which Other amounts receivable: +€130,302
- Cash +€35,642
up €35,642 (+85.8%), from €41,525 to €77,167
mainly Trade debts (+€139,841) and Depreciation (+€12,688)
- Tangible fixed assets -€9,758
down €9,758 (-5.2%), from €188,716 to €178,959
of which Furniture and vehicles: -€8,246
Equity and liabilities
- Trade debts +€139,841
up €139,841 (+68.1%), from €205,427 to €345,268
- Other debts -€7,400
down €7,400 (-76.0%), from €9,740 to €2,340
Income statement
- Financial income +€16,096
up €16,096 (+952%), from €1,691 to €17,787
of which Non-recurring financial income: +€15,056
- Staff costs +€10,023
up €10,023 (+6.4%), from €156,078 to €166,102
- Gross operating margin +€9,979
up €9,979 (+5.1%), from €196,536 to €206,515
- Other operating charges +€7,782
up €7,782 (+651%), from €1,195 to €8,977
- Financial charges +€2,839
up €2,839 (+32.5%), from €8,730 to €11,569
of which Non-recurring financial charges: +€1,574
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
€7,651
Gross operating margin
+€9,979
Staff costs
-€10,023
Depreciation
+€2,253
Other operating charges
-€7,782
Other operating items
-€14,397
Financial income
+€16,096
Financial charges
-€2,839
Taxes
-€1,419
Result 2025
-€481
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
+€47,682
Investment
-€7,922
Financing
-€4,118
Cash 2024
€41,525
From operations (derived)
+€47,682
Net result for the year
-€481
Depreciation
+€12,688
Receivables within one year
-€95,315
Deferred charges and accrued income
-€852
Trade debts
+€139,841
Tax, wage and social debts
-€1,869
Other debts
-€7,400
Accrued charges and deferred income
+€1,070
Investment (derived)
-€7,922
Investment in fixed assets (net)
-€7,922
Financing
-€4,118
Debts after one year
-€4,763
Current portion of long-term debt
+€4,229
Short-term financial debts
-€3,584
Cash 2025
€77,167
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €491,092 | €618,134 | +€127,043 | +25.9% |
| Fixed assets | 21/28 | €188,716 | €183,950 | -€4,766 | -2.5% |
| Intangible fixed assets | 21 | - | €4,992 | +€4,992 | |
| Tangible fixed assets | 22/27 | €188,716 | €178,959 | -€9,758 | -5.2% |
| Land and buildings | 22 | €162,121 | €155,281 | -€6,840 | -4.2% |
| Plant, machinery and equipment | 23 | €13,883 | €19,662 | +€5,779 | +41.6% |
| Furniture and vehicles | 24 | €11,113 | €2,867 | -€8,246 | -74.2% |
| Other tangible fixed assets | 26 | €1,599 | €1,148 | -€451 | -28.2% |
| Current assets | 29/58 | €302,375 | €434,184 | +€131,809 | +43.6% |
| Amounts receivable after more than one year | 29 | €65,000 | €65,000 | = | 0.0% |
| Other amounts receivable | 291 | €65,000 | €65,000 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €194,326 | €289,641 | +€95,315 | +49.0% |
| Trade receivables | 40 | €117,566 | €82,579 | -€34,987 | -29.8% |
| Other amounts receivable | 41 | €76,760 | €207,062 | +€130,302 | +170% |
| Cash at bank and in hand | 54/58 | €41,525 | €77,167 | +€35,642 | +85.8% |
| Deferred charges and accrued income | 490/1 | €1,525 | €2,377 | +€852 | +55.9% |
| Total equity and liabilities | 10/49 | €491,092 | €618,134 | +€127,043 | +25.9% |
| Equity | 10/15 | €40,946 | €40,465 | -€481 | -1.2% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €20,486 | €20,005 | -€481 | -2.3% |
| Amounts payable | 17/49 | €450,146 | €577,670 | +€127,524 | +28.3% |
| Amounts payable after more than one year | 17 | €133,053 | €128,290 | -€4,763 | -3.6% |
| Financial debts | 170/4 | €133,053 | €128,290 | -€4,763 | -3.6% |
| Amounts payable within one year | 42/48 | €317,092 | €448,310 | +€131,217 | +41.4% |
| Current portion of amounts payable after more than one year | 42 | €18,400 | €22,628 | +€4,229 | +23.0% |
| Financial debts | 43 | €5,931 | €2,347 | -€3,584 | -60.4% |
| Credit institutions | 430/8 | €5,931 | €2,347 | -€3,584 | -60.4% |
| Trade debts | 44 | €205,427 | €345,268 | +€139,841 | +68.1% |
| Suppliers | 440/4 | €205,427 | €345,268 | +€139,841 | +68.1% |
| Taxes, remuneration and social security | 45 | €77,595 | €75,726 | -€1,869 | -2.4% |
| Taxes | 450/3 | €42,362 | €45,673 | +€3,311 | +7.8% |
| Remuneration and social security | 454/9 | €35,233 | €30,054 | -€5,179 | -14.7% |
| Other amounts payable | 47/48 | €9,740 | €2,340 | -€7,400 | -76.0% |
| Accrued charges and deferred income | 492/3 | - | €1,070 | +€1,070 | |
| Non-recurring operating income | 76A | €5,433 | €3,470 | -€1,963 | -36.1% |
| Remuneration, social security and pensions | 62 | €156,078 | €166,102 | +€10,023 | +6.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €14,941 | €12,688 | -€2,253 | -15.1% |
| Other operating charges | 640/8 | €1,195 | €8,977 | +€7,782 | +651% |
| Non-recurring operating charges | 66A | - | €14,397 | +€14,397 | |
| Gross operating margin | 9900 | €196,536 | €206,515 | +€9,979 | +5.1% |
| Operating profit (loss) | 9901 | €24,322 | €4,351 | -€19,971 | -82.1% |
| Financial income | 75/76B | €1,691 | €17,787 | +€16,096 | +952% |
| Recurring financial income | 75 | €1,691 | €2,731 | +€1,041 | +61.5% |
| Non-recurring financial income | 76B | - | €15,056 | +€15,056 | |
| Financial charges | 65/66B | €8,730 | €11,569 | +€2,839 | +32.5% |
| Recurring financial charges | 65 | €8,032 | €9,297 | +€1,265 | +15.8% |
| Non-recurring financial charges | 66B | €698 | €2,272 | +€1,574 | +225% |
| Profit (loss) for the period before taxes | 9903 | €17,282 | €10,569 | -€6,714 | -38.8% |
| Income taxes | 67/77 | €9,631 | €11,050 | +€1,419 | +14.7% |
| Profit (loss) for the period | 9904 | €7,651 | -€481 | -€8,132 | |
| Profit (loss) for the period to be appropriated | 9905 | €7,651 | -€481 | -€8,132 |
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 4 November 2026 via checked.be.