Caramie: 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.
Caramie
Largest movements
- Tangible fixed assets -€50,507
down €50,507 (-7.8%), from €648,216 to €597,709
of which Furniture and vehicles: -€30,000
- Cash -€18,413
down €18,413 (-70.6%), from €26,082 to €7,669
mainly Debts after one year (-€52,383) and Deferred charges and accrued income (-€13,585)
- Deferred charges and accrued income +€13,585
new in 2025: €13,585
- Stocks and contracts +€9,253
up €9,253 (+4.5%), from €205,000 to €214,253
- Debts after one year -€52,383
down €52,383 (-8.8%), from €596,078 to €543,695
of which Financial debts: -€60,733
- Accrued charges and deferred income -€10,000
down €10,000 (-100%), from €10,000 to €0
- Trade debts +€9,725
up €9,725 (+648%), from €1,500 to €11,226
- Gross operating margin -€10,864
down €10,864 (-11.1%), from €97,989 to €87,125
- Other operating charges -€7,097
down €7,097 (-42.0%), from €16,900 to €9,802
- Financial charges +€1,589
up €1,589 (+11.1%), from €14,252 to €15,841
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 | €879,298 | €833,216 | -€46,082 | -5.2% |
| Fixed assets | 21/28 | €648,216 | €597,709 | -€50,507 | -7.8% |
| Tangible fixed assets | 22/27 | €648,216 | €597,709 | -€50,507 | -7.8% |
| Land and buildings | 22 | €568,819 | €548,312 | -€20,507 | -3.6% |
| Furniture and vehicles | 24 | €79,397 | €49,397 | -€30,000 | -37.8% |
| Current assets | 29/58 | €231,082 | €235,507 | +€4,425 | +1.9% |
| Stocks and contracts in progress | 3 | €205,000 | €214,253 | +€9,253 | +4.5% |
| Stocks | 30/36 | €205,000 | €214,253 | +€9,253 | +4.5% |
| Amounts receivable within one year | 40/41 | €0 | - | = | |
| Other amounts receivable | 41 | €0 | - | = | |
| Cash at bank and in hand | 54/58 | €26,082 | €7,669 | -€18,413 | -70.6% |
| Deferred charges and accrued income | 490/1 | - | €13,585 | +€13,585 | |
| Total equity and liabilities | 10/49 | €879,298 | €833,216 | -€46,082 | -5.2% |
| Equity | 10/15 | €211,933 | €217,563 | +€5,629 | +2.7% |
| Contributions | 10/11 | €260,000 | €260,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€48,067 | -€42,437 | +€5,629 | +11.7% |
| Amounts payable | 17/49 | €667,365 | €615,653 | -€51,711 | -7.7% |
| Amounts payable after more than one year | 17 | €596,078 | €543,695 | -€52,383 | -8.8% |
| Financial debts | 170/4 | €429,078 | €368,345 | -€60,733 | -14.2% |
| Other amounts payable | 178/9 | €167,000 | €175,350 | +€8,350 | +5.0% |
| Amounts payable within one year | 42/48 | €61,287 | €71,958 | +€10,671 | +17.4% |
| Current portion of amounts payable after more than one year | 42 | €59,787 | €60,733 | +€946 | +1.6% |
| Trade debts | 44 | €1,500 | €11,226 | +€9,725 | +648% |
| Suppliers | 440/4 | €1,500 | €11,226 | +€9,725 | +648% |
| Accrued charges and deferred income | 492/3 | €10,000 | €0 | -€10,000 | -100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €55,317 | €55,852 | +€534 | +1.0% |
| Other operating charges | 640/8 | €16,900 | €9,802 | -€7,097 | -42.0% |
| Gross operating margin | 9900 | €97,989 | €87,125 | -€10,864 | -11.1% |
| Operating profit (loss) | 9901 | €25,772 | €21,471 | -€4,302 | -16.7% |
| Financial charges | 65/66B | €14,252 | €15,841 | +€1,589 | +11.1% |
| Recurring financial charges | 65 | €14,252 | €15,841 | +€1,589 | +11.1% |
| Profit (loss) for the period before taxes | 9903 | €11,520 | €5,629 | -€5,891 | -51.1% |
| Profit (loss) for the period | 9904 | €11,520 | €5,629 | -€5,891 | -51.1% |
| Profit (loss) for the period to be appropriated | 9905 | €11,520 | €5,629 | -€5,891 | -51.1% |
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 19 October 2026 via checked.be.