CARDIHOME: 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.
CARDIHOME
Largest movements
- Tangible fixed assets +€23,208
up €23,208 (+20.7%), from €112,022 to €135,230
- Cash -€21,723
down €21,723 (-47.2%), from €45,996 to €24,274
mainly Investment in fixed assets (net) (-€87,518) and Debts after one year (-€18,562)
- Profit (loss) carried forward +€23,448
up €23,448 (+63.4%), from €36,970 to €60,418
- Debts after one year -€18,562
down €18,562 (-28.5%), from €65,105 to €46,543
- Trade debts -€3,013
down €3,013 (-48.5%), from €6,219 to €3,205
- Other debts -€2,550
down €2,550 (-12.6%), from €20,275 to €17,725
- Gross operating margin +€31,642
up €31,642 (+50.2%), from €63,079 to €94,721
- Depreciation +€16,115
up €16,115 (+33.4%), from €48,195 to €64,310
- Taxes +€1,929
new in 2025: €1,929
- Financial charges -€1,134
down €1,134 (-23.2%), from €4,895 to €3,761
- Other operating charges +€960
up €960 (+186.9%), from €513 to €1,473
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 | €159,221 | €160,470 | +€1,249 | +0.8% |
| Fixed assets | 21/28 | €112,022 | €135,230 | +€23,208 | +20.7% |
| Tangible fixed assets | 22/27 | €112,022 | €135,230 | +€23,208 | +20.7% |
| Furniture and vehicles | 24 | €112,022 | €135,230 | +€23,208 | +20.7% |
| Current assets | 29/58 | €47,199 | €25,239 | -€21,959 | -46.5% |
| Amounts receivable within one year | 40/41 | €1,202 | €862 | -€340 | -28.3% |
| Trade receivables | 40 | €1,177 | €736 | -€441 | -37.5% |
| Other amounts receivable | 41 | €26 | €126 | +€101 | +392.1% |
| Cash at bank and in hand | 54/58 | €45,996 | €24,274 | -€21,723 | -47.2% |
| Deferred charges and accrued income | 490/1 | - | €104 | +€104 | |
| Total equity and liabilities | 10/49 | €159,221 | €160,470 | +€1,249 | +0.8% |
| Equity | 10/15 | €45,970 | €69,418 | +€23,448 | +51.0% |
| Contributions | 10/11 | €9,000 | €9,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €36,970 | €60,418 | +€23,448 | +63.4% |
| Amounts payable | 17/49 | €113,251 | €91,052 | -€22,199 | -19.6% |
| Amounts payable after more than one year | 17 | €65,105 | €46,543 | -€18,562 | -28.5% |
| Financial debts | 170/4 | €65,105 | €46,543 | -€18,562 | -28.5% |
| Amounts payable within one year | 42/48 | €47,759 | €44,509 | -€3,250 | -6.8% |
| Current portion of amounts payable after more than one year | 42 | €17,780 | €18,562 | +€781 | +4.4% |
| Trade debts | 44 | €6,219 | €3,205 | -€3,013 | -48.5% |
| Suppliers | 440/4 | €6,219 | €3,205 | -€3,013 | -48.5% |
| Taxes, remuneration and social security | 45 | €3,484 | €5,016 | +€1,532 | +44.0% |
| Taxes | 450/3 | €3,484 | €5,016 | +€1,532 | +44.0% |
| Other amounts payable | 47/48 | €20,275 | €17,725 | -€2,550 | -12.6% |
| Accrued charges and deferred income | 492/3 | €387 | - | -€387 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €48,195 | €64,310 | +€16,115 | +33.4% |
| Other operating charges | 640/8 | €513 | €1,473 | +€960 | +186.9% |
| Gross operating margin | 9900 | €63,079 | €94,721 | +€31,642 | +50.2% |
| Operating profit (loss) | 9901 | €14,371 | €28,938 | +€14,567 | +101.4% |
| Financial income | 75/76B | €139 | €200 | +€61 | +44.0% |
| Recurring financial income | 75 | €139 | €200 | +€61 | +44.0% |
| Financial charges | 65/66B | €4,895 | €3,761 | -€1,134 | -23.2% |
| Recurring financial charges | 65 | €4,895 | €3,761 | -€1,134 | -23.2% |
| Profit (loss) for the period before taxes | 9903 | €9,615 | €25,377 | +€15,762 | +163.9% |
| Income taxes | 67/77 | - | €1,929 | +€1,929 | |
| Profit (loss) for the period | 9904 | €9,615 | €23,448 | +€13,833 | +143.9% |
| Profit (loss) for the period to be appropriated | 9905 | €9,615 | €23,448 | +€13,833 | +143.9% |
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 2 October 2026 via checked.be.