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C3M3: what changed

Two fiscal 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.

What changed

C3M3

BE 0780.999.260
NACE 66.300, Activities auxiliary to financial services and insurance activities
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€513,266
2024 · -€152,837-€360,429
Equity
€2.3m
2024 · €358,824+€2.0m
Cash
€586,385
2024 · €5,417+€580,968
Balance sheet total
€5.7m
2024 · €2.9m+€2.8m

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets +€2.2m

    up €2.2m (+75.2%), from €2.9m to €5.0m

    of which Land and buildings: +€2.2m

  • Cash +€580,968

    up €580,968 (+10724.0%), from €5,417 to €586,385

    mainly Contributions, distributions and other (+€2.5m) and Other debts (+€842,142)

  • Receivables within one year +€90,171

    new in 2025: €90,171

    of which Trade receivables: +€89,680

Equity and liabilities
  • Contributions +€2.5m

    up €2.5m (+250.0%), from €1.0m to €3.5m

  • Other debts +€842,142

    up €842,142 (+47.4%), from €1.8m to €2.6m

  • Profit (loss) carried forward -€513,266

    down €513,266 (-80.1%), from -€641,176 to -€1.2m

  • Trade debts +€100,347

    up €100,347 (+1946.4%), from €5,156 to €105,502

  • Debts after one year -€99,159

    down €99,159 (-15.6%), from €637,412 to €538,253

Income statement
  • Depreciation +€340,361

    up €340,361 (+307.6%), from €110,653 to €451,013

  • Gross operating margin -€48,215

    down €48,215, from €5,633 to -€42,582

  • Financial charges -€30,819

    down €30,819 (-79.6%), from €38,699 to €7,880

  • Other operating charges +€2,636

    up €2,636 (+29.2%), from €9,014 to €11,651

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 -€152,837
Gross operating margin -€48,215
Depreciation -€340,361
Other operating charges -€2,636
Financial charges +€30,819
Taxes -€36
Result 2025 -€513,266

Cash bridge derived

cash 2024 to 2025

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.

From operations +€787,576
Investment -€2.6m
Financing +€2.4m
Cash 2024 €5,417
Net result for the year -€513,266
Depreciation +€451,013
Receivables within one year -€90,171
Smaller working-capital items -€2,490
Trade debts +€100,347
Other debts +€842,142
Investment in fixed assets (net) -€2.6m
Debts after one year -€99,159
Current portion of long-term debt +€1,050
Contributions, distributions and other +€2.5m
Cash 2025 €586,385
Every line side by side 38 lines
Line Code 2024 2025 Change %
Total assets 20/58 €2,875,483 €5,706,502 +€2.8m +98.5%
Fixed assets 21/28 €2,869,466 €5,026,951 +€2.2m +75.2%
Tangible fixed assets 22/27 €2,869,466 €5,026,951 +€2.2m +75.2%
Land and buildings 22 €2,601,016 €4,842,209 +€2.2m +86.2%
Furniture and vehicles 24 €34,834 €21,914 -€12,920 -37.1%
Other tangible fixed assets 26 €74,116 €162,828 +€88,712 +119.7%
Assets under construction and advance payments 27 €159,500 - -€159,500
Current assets 29/58 €6,017 €679,551 +€673,534 +11193.0%
Amounts receivable within one year 40/41 - €90,171 +€90,171
Trade receivables 40 - €89,680 +€89,680
Other amounts receivable 41 - €491 +€491
Cash at bank and in hand 54/58 €5,417 €586,385 +€580,968 +10724.0%
Deferred charges and accrued income 490/1 €600 €2,995 +€2,395 +399.2%
Total equity and liabilities 10/49 €2,875,483 €5,706,502 +€2.8m +98.5%
Equity 10/15 €358,824 €2,345,558 +€2.0m +553.7%
Contributions 10/11 €1,000,000 €3,500,000 +€2.5m +250.0%
Profit (loss) carried forward 14 -€641,176 -€1,154,442 -€513,266 -80.1%
Amounts payable 17/49 €2,516,659 €3,360,944 +€844,285 +33.5%
Amounts payable after more than one year 17 €637,412 €538,253 -€99,159 -15.6%
Financial debts 170/4 €637,412 €538,253 -€99,159 -15.6%
Amounts payable within one year 42/48 €1,879,140 €2,822,691 +€943,551 +50.2%
Current portion of amounts payable after more than one year 42 €98,109 €99,159 +€1,050 +1.1%
Trade debts 44 €5,156 €105,502 +€100,347 +1946.4%
Suppliers 440/4 €5,156 €105,502 +€100,347 +1946.4%
Taxes, remuneration and social security 45 €128 €141 +€13 +10.1%
Taxes 450/3 €128 €141 +€13 +10.1%
Other amounts payable 47/48 €1,775,747 €2,617,889 +€842,142 +47.4%
Accrued charges and deferred income 492/3 €107 - -€107
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €110,653 €451,013 +€340,361 +307.6%
Other operating charges 640/8 €9,014 €11,651 +€2,636 +29.2%
Gross operating margin 9900 €5,633 -€42,582 -€48,215
Operating profit (loss) 9901 -€114,034 -€505,246 -€391,212 -343.1%
Financial charges 65/66B €38,699 €7,880 -€30,819 -79.6%
Recurring financial charges 65 €38,699 €7,880 -€30,819 -79.6%
Profit (loss) for the period before taxes 9903 -€152,732 -€513,125 -€360,393 -236.0%
Income taxes 67/77 €105 €141 +€36 +34.3%
Profit (loss) for the period 9904 -€152,837 -€513,266 -€360,429 -235.8%
Profit (loss) for the period to be appropriated 9905 -€152,837 -€513,266 -€360,429 -235.8%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.