Caruma Immo: 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.
Caruma Immo
Largest movements
- Cash +€944,590
up €944,590 (+5001.8%), from €18,885 to €963,475
mainly Net result for the year (+€743,009) and Investment in fixed assets (net) (+€498,173)
- Financial fixed assets -€498,173
down €498,173 (-53.6%), from €930,000 to €431,827
- Tangible fixed assets -€16,588
down €16,588 (-6.3%), from €263,686 to €247,098
of which Land and buildings: -€15,499
- Reserves +€739,476
new in 2025: €739,476
- Profit (loss) carried forward -€296,466
down €296,466 (-100.0%), from €296,466 to €0
- Debts after one year -€113,617
down €113,617 (-14.9%), from €762,521 to €648,905
- Other debts +€100,000
up €100,000 (+1133.9%), from €8,819 to €108,819
- Financial income +€591,744
up €591,744 (+561.2%), from €105,450 to €697,194
of which Non-recurring financial income: +€334,694
- Gross operating margin +€21,007
up €21,007 (+28.0%), from €74,906 to €95,913
- Taxes +€6,466
up €6,466 (+68.4%), from €9,450 to €15,915
- Financial charges -€3,149
down €3,149 (-23.2%), from €13,549 to €10,400
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 | €1,213,118 | €1,648,777 | +€435,659 | +35.9% |
| Fixed assets | 21/28 | €1,193,686 | €678,925 | -€514,761 | -43.1% |
| Tangible fixed assets | 22/27 | €263,686 | €247,098 | -€16,588 | -6.3% |
| Land and buildings | 22 | €258,238 | €242,739 | -€15,499 | -6.0% |
| Plant, machinery and equipment | 23 | €4,040 | €3,232 | -€808 | -20.0% |
| Furniture and vehicles | 24 | €1,407 | €1,126 | -€281 | -20.0% |
| Financial fixed assets | 28 | €930,000 | €431,827 | -€498,173 | -53.6% |
| Current assets | 29/58 | €19,432 | €969,852 | +€950,420 | +4890.9% |
| Amounts receivable within one year | 40/41 | €547 | €6,377 | +€5,830 | +1065.2% |
| Trade receivables | 40 | - | €6,377 | +€6,377 | |
| Other amounts receivable | 41 | €547 | €0 | -€547 | -100.0% |
| Cash at bank and in hand | 54/58 | €18,885 | €963,475 | +€944,590 | +5001.8% |
| Total equity and liabilities | 10/49 | €1,213,118 | €1,648,777 | +€435,659 | +35.9% |
| Equity | 10/15 | €329,466 | €772,476 | +€443,009 | +134.5% |
| Contributions | 10/11 | €33,000 | €33,000 | = | 0.0% |
| Reserves | 13 | - | €739,476 | +€739,476 | |
| Distributable reserves | 133 | - | €739,476 | +€739,476 | |
| Profit (loss) carried forward | 14 | €296,466 | €0 | -€296,466 | -100.0% |
| Amounts payable | 17/49 | €883,652 | €876,302 | -€7,350 | -0.8% |
| Amounts payable after more than one year | 17 | €762,521 | €648,905 | -€113,617 | -14.9% |
| Financial debts | 170/4 | €762,521 | €648,905 | -€113,617 | -14.9% |
| Amounts payable within one year | 42/48 | €121,130 | €227,397 | +€106,266 | +87.7% |
| Current portion of amounts payable after more than one year | 42 | €112,311 | €113,617 | +€1,305 | +1.2% |
| Trade debts | 44 | €0 | - | = | |
| Suppliers | 440/4 | €0 | - | = | |
| Taxes, remuneration and social security | 45 | €0 | €4,961 | +€4,961 | |
| Taxes | 450/3 | €0 | €4,961 | +€4,961 | |
| Other amounts payable | 47/48 | €8,819 | €108,819 | +€100,000 | +1133.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €16,588 | €16,588 | = | 0.0% |
| Other operating charges | 640/8 | €6,958 | €7,194 | +€237 | +3.4% |
| Gross operating margin | 9900 | €74,906 | €95,913 | +€21,007 | +28.0% |
| Operating profit (loss) | 9901 | €51,360 | €72,130 | +€20,771 | +40.4% |
| Financial income | 75/76B | €105,450 | €697,194 | +€591,744 | +561.2% |
| Recurring financial income | 75 | €105,450 | €362,500 | +€257,050 | +243.8% |
| Non-recurring financial income | 76B | - | €334,694 | +€334,694 | |
| Financial charges | 65/66B | €13,549 | €10,400 | -€3,149 | -23.2% |
| Recurring financial charges | 65 | €13,549 | €10,400 | -€3,149 | -23.2% |
| Profit (loss) for the period before taxes | 9903 | €143,261 | €758,925 | +€615,664 | +429.8% |
| Income taxes | 67/77 | €9,450 | €15,915 | +€6,466 | +68.4% |
| Profit (loss) for the period | 9904 | €133,811 | €743,009 | +€609,198 | +455.3% |
| Profit (loss) for the period to be appropriated | 9905 | €133,811 | €743,009 | +€609,198 | +455.3% |
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 7 October 2026 via checked.be.