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CAT: 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.

What changed

CAT

BE 0716.951.150
NACE 68.201, Renting and operating of own or leased residential real estate, excluding social housing
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€59,902
2024 · -€111,106+€51,204
Equity
-€233,282
2024 · -€173,380-€59,902
Cash
€7,202
2024 · €106,441-€99,239
Balance sheet total
€2.5m
2024 · €2.6m-€102,490

Largest movements

2024 to 2025
Assets
  • Cash -€99,239

    down €99,239 (-93.2%), from €106,441 to €7,202

    mainly Short-term financial debts (-€82,341) and Debts after one year (-€68,249)

Equity and liabilities
  • Other debts +€97,600

    up €97,600 (+12.0%), from €811,223 to €908,822

  • Short-term financial debts -€82,341

    down €82,341 (-100.0%), from €82,341 to €0

  • Debts after one year -€68,249

    down €68,249 (-3.9%), from €1.8m to €1.7m

  • Profit (loss) carried forward -€59,902

    down €59,902 (-26.3%), from -€227,551 to -€287,453

Income statement
  • Gross operating margin +€43,424

    up €43,424 (+52.3%), from €83,067 to €126,490

  • Financial charges -€37,082

    down €37,082 (-26.9%), from €137,817 to €100,735

  • Depreciation +€21,792

    up €21,792 (+43.2%), from €50,455 to €72,247

  • Other operating charges +€7,510

    up €7,510 (+127.3%), from €5,900 to €13,410

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 -€111,106
Gross operating margin +€43,424
Depreciation -€21,792
Other operating charges -€7,510
Financial charges +€37,082
Result 2025 -€59,902

Cash bridge derived

cash 2024 to 2025

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.

From operations +€116,685
Investment -€68,083
Financing -€147,841
Cash 2024 €106,441
Net result for the year -€59,902
Depreciation +€72,247
Receivables within one year +€1,557
Deferred charges and accrued income -€2,470
Trade debts +€5,773
Other debts +€97,600
Accrued charges and deferred income +€1,880
Investment in fixed assets (net) -€68,083
Debts after one year -€68,249
Current portion of long-term debt +€2,748
Short-term financial debts -€82,341
Cash 2025 €7,202
Every line side by side 44 lines
Line Code 2024 2025 Change %
Total assets 20/58 €2,556,888 €2,454,398 -€102,490 -4.0%
Fixed assets 21/28 €2,436,615 €2,432,450 -€4,164 -0.2%
Tangible fixed assets 22/27 €2,436,615 €2,432,450 -€4,164 -0.2%
Land and buildings 22 €2,436,615 €2,432,450 -€4,164 -0.2%
Current assets 29/58 €120,274 €21,948 -€98,326 -81.8%
Stocks and contracts in progress 3 €0 €0 =
Stocks 30/36 €0 €0 =
Amounts receivable within one year 40/41 €13,833 €12,275 -€1,557 -11.3%
Trade receivables 40 - €1,430 +€1,430
Other amounts receivable 41 €13,833 €10,845 -€2,987 -21.6%
Cash at bank and in hand 54/58 €106,441 €7,202 -€99,239 -93.2%
Deferred charges and accrued income 490/1 - €2,470 +€2,470
Total equity and liabilities 10/49 €2,556,888 €2,454,398 -€102,490 -4.0%
Equity 10/15 -€173,380 -€233,282 -€59,902 -34.5%
Contributions 10/11 €35,857 €35,857 = 0.0%
Reserves 13 €18,313 €18,313 = 0.0%
Non-distributable reserves 130/1 €598 €598 = 0.0%
Reserves not available under the articles 1311 €598 €598 = 0.0%
Distributable reserves 133 €17,716 €17,716 = 0.0%
Profit (loss) carried forward 14 -€227,551 -€287,453 -€59,902 -26.3%
Amounts payable 17/49 €2,730,269 €2,687,680 -€42,588 -1.6%
Amounts payable after more than one year 17 €1,764,721 €1,696,472 -€68,249 -3.9%
Financial debts 170/4 €1,764,721 €1,696,472 -€68,249 -3.9%
Amounts payable within one year 42/48 €965,548 €989,328 +€23,780 +2.5%
Current portion of amounts payable after more than one year 42 €65,501 €68,249 +€2,748 +4.2%
Financial debts 43 €82,341 €0 -€82,341 -100.0%
Credit institutions 430/8 €82,341 €0 -€82,341 -100.0%
Trade debts 44 €6,484 €12,257 +€5,773 +89.0%
Suppliers 440/4 €6,484 €12,257 +€5,773 +89.0%
Taxes, remuneration and social security 45 - €0 =
Taxes 450/3 - €0 =
Other amounts payable 47/48 €811,223 €908,822 +€97,600 +12.0%
Accrued charges and deferred income 492/3 - €1,880 +€1,880
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €50,455 €72,247 +€21,792 +43.2%
Other operating charges 640/8 €5,900 €13,410 +€7,510 +127.3%
Gross operating margin 9900 €83,067 €126,490 +€43,424 +52.3%
Operating profit (loss) 9901 €26,712 €40,833 +€14,121 +52.9%
Financial income 75/76B - €0 =
Recurring financial income 75 - €0 =
Financial charges 65/66B €137,817 €100,735 -€37,082 -26.9%
Recurring financial charges 65 €137,817 €100,735 -€37,082 -26.9%
Profit (loss) for the period before taxes 9903 -€111,106 -€59,902 +€51,204 +46.1%
Profit (loss) for the period 9904 -€111,106 -€59,902 +€51,204 +46.1%
Profit (loss) for the period to be appropriated 9905 -€111,106 -€59,902 +€51,204 +46.1%

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 30 September 2026 via checked.be.