CARLOAN: 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.
CARLOAN
Largest movements
- Receivables within one year -€24,736
down €24,736 (-74.2%), from €33,322 to €8,586
of which Trade receivables: -€18,366
- Cash +€21,047
new in 2025: €21,047
mainly Receivables within one year (+€24,736) and Net result for the year (+€12,229)
- Tangible fixed assets -€4,776
down €4,776 (-84.3%), from €5,663 to €887
of which Furniture and vehicles: -€5,663
- Deferred charges and accrued income -€710
down €710 (-82.5%), from €861 to €151
- Profit (loss) carried forward +€12,229
up €12,229, from -€2,398 to €9,831
- Trade debts -€10,063
down €10,063 (-64.2%), from €15,674 to €5,611
- Short-term financial debts -€5,952
down €5,952 (-46.0%), from €12,952 to €7,000
of which Credit institutions: -€5,952
- Advances received -€2,840
down €2,840 (-36.2%), from €7,840 to €5,000
- Current portion of long-term debt -€1,402
down €1,402 (-40.8%), from €3,438 to €2,036
- Gross operating margin +€10,602
up €10,602 (+61.1%), from €17,361 to €27,963
- Other operating charges +€3,105
up €3,105 (+113%), from €2,758 to €5,863
- Taxes +€2,772
up €2,772 (+624%), from €444 to €3,216
- Financial charges -€2,430
down €2,430 (-72.2%), from €3,367 to €937
- Depreciation -€1,546
down €1,546 (-21.1%), from €7,323 to €5,776
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 | €52,546 | €43,371 | -€9,175 | -17.5% |
| Fixed assets | 21/28 | €5,663 | €887 | -€4,776 | -84.3% |
| Tangible fixed assets | 22/27 | €5,663 | €887 | -€4,776 | -84.3% |
| Plant, machinery and equipment | 23 | - | €887 | +€887 | |
| Furniture and vehicles | 24 | €5,663 | €0 | -€5,663 | -100% |
| Current assets | 29/58 | €46,883 | €42,484 | -€4,399 | -9.4% |
| Amounts receivable after more than one year | 29 | €10,700 | €10,700 | = | 0.0% |
| Other amounts receivable | 291 | €10,700 | €10,700 | = | 0.0% |
| Stocks and contracts in progress | 3 | €2,000 | €2,000 | = | 0.0% |
| Stocks | 30/36 | €2,000 | €2,000 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €33,322 | €8,586 | -€24,736 | -74.2% |
| Trade receivables | 40 | €22,766 | €4,400 | -€18,366 | -80.7% |
| Other amounts receivable | 41 | €10,556 | €4,186 | -€6,370 | -60.3% |
| Cash at bank and in hand | 54/58 | - | €21,047 | +€21,047 | |
| Deferred charges and accrued income | 490/1 | €861 | €151 | -€710 | -82.5% |
| Total equity and liabilities | 10/49 | €52,546 | €43,371 | -€9,175 | -17.5% |
| Equity | 10/15 | €11,462 | €23,691 | +€12,229 | +107% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €7,660 | €7,660 | = | 0.0% |
| Distributable reserves | 133 | €7,660 | €7,660 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€2,398 | €9,831 | +€12,229 | |
| Amounts payable | 17/49 | €41,084 | €19,680 | -€21,404 | -52.1% |
| Amounts payable after more than one year | 17 | €0 | - | = | |
| Financial debts | 170/4 | €0 | - | = | |
| Amounts payable within one year | 42/48 | €41,084 | €19,680 | -€21,404 | -52.1% |
| Current portion of amounts payable after more than one year | 42 | €3,438 | €2,036 | -€1,402 | -40.8% |
| Financial debts | 43 | €12,952 | €7,000 | -€5,952 | -46.0% |
| Credit institutions | 430/8 | €5,952 | €0 | -€5,952 | -100% |
| Other loans | 439 | €7,000 | €7,000 | = | 0.0% |
| Trade debts | 44 | €15,674 | €5,611 | -€10,063 | -64.2% |
| Suppliers | 440/4 | €15,674 | €5,611 | -€10,063 | -64.2% |
| Advances received on contracts in progress | 46 | €7,840 | €5,000 | -€2,840 | -36.2% |
| Taxes, remuneration and social security | 45 | €1,179 | €33 | -€1,146 | -97.2% |
| Taxes | 450/3 | €1,179 | €33 | -€1,146 | -97.2% |
| Other amounts payable | 47/48 | €0 | - | = | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €7,323 | €5,776 | -€1,546 | -21.1% |
| Other operating charges | 640/8 | €2,758 | €5,863 | +€3,105 | +113% |
| Gross operating margin | 9900 | €17,361 | €27,963 | +€10,602 | +61.1% |
| Operating profit (loss) | 9901 | €7,280 | €16,324 | +€9,044 | +124% |
| Financial income | 75/76B | €0 | €58 | +€58 | |
| Recurring financial income | 75 | €0 | €58 | +€58 | |
| Financial charges | 65/66B | €3,367 | €937 | -€2,430 | -72.2% |
| Recurring financial charges | 65 | €3,367 | €937 | -€2,430 | -72.2% |
| Profit (loss) for the period before taxes | 9903 | €3,913 | €15,445 | +€11,532 | +295% |
| Income taxes | 67/77 | €444 | €3,216 | +€2,772 | +624% |
| Profit (loss) for the period | 9904 | €3,469 | €12,229 | +€8,760 | +253% |
| Profit (loss) for the period to be appropriated | 9905 | €3,469 | €12,229 | +€8,760 | +253% |
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 14 October 2026 via checked.be.