CAMICH: 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.
CAMICH
Largest movements
- Tangible fixed assets -€8,990
down €8,990 (-9.9%), from €91,152 to €82,163
of which Land and buildings: -€7,089
- Cash +€4,594
up €4,594 (+65.8%), from €6,986 to €11,580
mainly Depreciation (+€8,990) and Net result for the year (+€5,229)
- Profit (loss) carried forward +€5,229
up €5,229 (+4.9%), from -€106,147 to -€100,918
- Other debts -€4,680
down €4,680 (-5.7%), from €82,186 to €77,505
- Debts after one year -€4,123
down €4,123 (-6.2%), from €66,270 to €62,147
- Gross operating margin +€3,338
up €3,338 (+21.7%), from €15,398 to €18,736
- Financial charges +€370
up €370 (+15.7%), from €2,353 to €2,724
- Other operating charges +€246
up €246 (+15.9%), from €1,547 to €1,793
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.
Cash bridge derived
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 | €99,938 | €95,138 | -€4,801 | -4.8% |
| Fixed assets | 21/28 | €91,152 | €82,163 | -€8,990 | -9.9% |
| Tangible fixed assets | 22/27 | €91,152 | €82,163 | -€8,990 | -9.9% |
| Land and buildings | 22 | €83,387 | €76,298 | -€7,089 | -8.5% |
| Plant, machinery and equipment | 23 | €7,765 | €5,865 | -€1,900 | -24.5% |
| Current assets | 29/58 | €8,786 | €12,975 | +€4,189 | +47.7% |
| Amounts receivable within one year | 40/41 | €1,800 | €1,395 | -€405 | -22.5% |
| Trade receivables | 40 | €1,800 | €1,395 | -€405 | -22.5% |
| Cash at bank and in hand | 54/58 | €6,986 | €11,580 | +€4,594 | +65.8% |
| Total equity and liabilities | 10/49 | €99,938 | €95,138 | -€4,801 | -4.8% |
| Equity | 10/15 | -€55,863 | -€50,633 | +€5,229 | +9.4% |
| Contributions | 10/11 | €50,100 | €50,100 | = | 0.0% |
| Reserves | 13 | €184 | €184 | = | 0.0% |
| Non-distributable reserves | 130/1 | €12 | €12 | = | 0.0% |
| Reserves not available under the articles | 1311 | €12 | €12 | = | 0.0% |
| Distributable reserves | 133 | €173 | €173 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€106,147 | -€100,918 | +€5,229 | +4.9% |
| Amounts payable | 17/49 | €155,801 | €145,771 | -€10,030 | -6.4% |
| Amounts payable after more than one year | 17 | €66,270 | €62,147 | -€4,123 | -6.2% |
| Financial debts | 170/4 | €66,270 | €62,147 | -€4,123 | -6.2% |
| Amounts payable within one year | 42/48 | €89,530 | €83,624 | -€5,907 | -6.6% |
| Financial debts | 43 | €4,605 | €4,365 | -€240 | -5.2% |
| Credit institutions | 430/8 | €4,605 | €4,365 | -€240 | -5.2% |
| Trade debts | 44 | €2,740 | €1,754 | -€986 | -36.0% |
| Suppliers | 440/4 | €2,740 | €1,754 | -€986 | -36.0% |
| Other amounts payable | 47/48 | €82,186 | €77,505 | -€4,680 | -5.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €8,990 | €8,990 | -€0 | 0.0% |
| Other operating charges | 640/8 | €1,547 | €1,793 | +€246 | +15.9% |
| Gross operating margin | 9900 | €15,398 | €18,736 | +€3,338 | +21.7% |
| Operating profit (loss) | 9901 | €4,861 | €7,953 | +€3,092 | +63.6% |
| Financial income | 75/76B | €2 | - | -€2 | |
| Recurring financial income | 75 | €2 | - | -€2 | |
| Financial charges | 65/66B | €2,353 | €2,724 | +€370 | +15.7% |
| Recurring financial charges | 65 | €2,353 | €2,724 | +€370 | +15.7% |
| Profit (loss) for the period before taxes | 9903 | €2,510 | €5,229 | +€2,720 | +108.4% |
| Profit (loss) for the period | 9904 | €2,510 | €5,229 | +€2,720 | +108.4% |
| Profit (loss) for the period to be appropriated | 9905 | €2,510 | €5,229 | +€2,720 | +108.4% |
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 9 October 2026 via checked.be.