CAJA GROUP: 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.
CAJA GROUP
Largest movements
- Receivables within one year +€3,505
new in 2025: €3,505
of which Trade receivables: +€3,497
- Cash -€2,204
down €2,204 (-24.2%), from €9,111 to €6,907
mainly Receivables within one year (-€3,505) and Other debts (-€2,183)
- Tangible fixed assets +€1,307
up €1,307 (+384%), from €340 to €1,647
- Other debts -€2,183
down €2,183 (-17.1%), from €12,742 to €10,559
- Trade debts +€1,846
up €1,846 (+94.6%), from €1,950 to €3,796
- Profit (loss) carried forward +€1,637
up €1,637 (+16.4%), from -€9,966 to -€8,329
- Tax, wage and social debts +€1,308
up €1,308 (+75.8%), from €1,725 to €3,033
- Gross operating margin +€12,819
up €12,819, from -€9,895 to €2,924
- Depreciation +€392
up €392 (+223%), from €176 to €568
- Other operating charges +€285
new in 2025: €285
- Financial charges +€146
up €146 (+89.6%), from €163 to €309
- Taxes +€132
new in 2025: €132
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 | €9,451 | €12,058 | +€2,608 | +27.6% |
| Fixed assets | 21/28 | €340 | €1,647 | +€1,307 | +384% |
| Tangible fixed assets | 22/27 | €340 | €1,647 | +€1,307 | +384% |
| Plant, machinery and equipment | 23 | €340 | €1,647 | +€1,307 | +384% |
| Current assets | 29/58 | €9,111 | €10,411 | +€1,301 | +14.3% |
| Amounts receivable within one year | 40/41 | - | €3,505 | +€3,505 | |
| Trade receivables | 40 | - | €3,497 | +€3,497 | |
| Other amounts receivable | 41 | - | €8 | +€8 | |
| Cash at bank and in hand | 54/58 | €9,111 | €6,907 | -€2,204 | -24.2% |
| Total equity and liabilities | 10/49 | €9,451 | €12,058 | +€2,608 | +27.6% |
| Equity | 10/15 | -€6,966 | -€5,329 | +€1,637 | +23.5% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€9,966 | -€8,329 | +€1,637 | +16.4% |
| Amounts payable | 17/49 | €16,417 | €17,388 | +€971 | +5.9% |
| Amounts payable within one year | 42/48 | €16,417 | €17,388 | +€971 | +5.9% |
| Trade debts | 44 | €1,950 | €3,796 | +€1,846 | +94.6% |
| Suppliers | 440/4 | €1,950 | €3,796 | +€1,846 | +94.6% |
| Taxes, remuneration and social security | 45 | €1,725 | €3,033 | +€1,308 | +75.8% |
| Taxes | 450/3 | €1,725 | €3,033 | +€1,308 | +75.8% |
| Other amounts payable | 47/48 | €12,742 | €10,559 | -€2,183 | -17.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €176 | €568 | +€392 | +223% |
| Other operating charges | 640/8 | - | €285 | +€285 | |
| Non-recurring operating charges | 66A | - | €6 | +€6 | |
| Gross operating margin | 9900 | -€9,895 | €2,924 | +€12,819 | |
| Operating profit (loss) | 9901 | -€10,071 | €2,065 | +€12,136 | |
| Financial income | 75/76B | €5 | €13 | +€8 | +144% |
| Recurring financial income | 75 | €5 | €13 | +€8 | +144% |
| Financial charges | 65/66B | €163 | €309 | +€146 | +89.6% |
| Recurring financial charges | 65 | €163 | €309 | +€146 | +89.6% |
| Profit (loss) for the period before taxes | 9903 | -€10,229 | €1,769 | +€11,998 | |
| Income taxes | 67/77 | - | €132 | +€132 | |
| Profit (loss) for the period | 9904 | -€10,229 | €1,637 | +€11,866 | |
| Profit (loss) for the period to be appropriated | 9905 | -€10,229 | €1,637 | +€11,866 |
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 27 October 2026 via checked.be.