CHAMCO: 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
CHAMCO
NACE 68.310, Real estate agency activities
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€62,104
2024 · €204,804-€142,700
Equity
€3.0m
2024 · €3.0m+€62,104
Cash
€17,501
2024 · €26,071-€8,570
Balance sheet total
€3.3m
2024 · €3.4m-€62,925
Largest movements
Assets
- Tangible fixed assets -€50,217
down €50,217 (-7.5%), from €670,811 to €620,595
Equity and liabilities
- Current portion of long-term debt -€64,973
down €64,973 (-55.7%), from €116,674 to €51,700
- Profit (loss) carried forward +€62,104
up €62,104 (+6.3%), from €978,664 to €1.0m
- Debts after one year -€51,700
down €51,700 (-52.5%), from €98,435 to €46,735
Income statement
- Gross operating margin -€129,964
down €129,964 (-43.5%), from €298,515 to €168,550
- Taxes +€13,852
up €13,852 (+2454.8%), from €564 to €14,416
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.
Result 2024
€204,804
Gross operating margin
-€129,964
Depreciation
+€435
Other operating charges
-€1,048
Financial income
-€517
Financial charges
+€2,246
Taxes
-€13,852
Result 2025
€62,104
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.
From operations
+€108,103
Investment
€0
Financing
-€116,674
Cash 2024
€26,071
From operations (derived)
+€108,103
Net result for the year
+€62,104
Depreciation
+€50,217
Receivables within one year
+€2,528
Deferred charges and accrued income
+€1,610
Trade debts
-€4,194
Tax, wage and social debts
+€11,340
Other debts
-€15,501
Financing
-€116,674
Debts after one year
-€51,700
Current portion of long-term debt
-€64,973
Cash 2025
€17,501
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €3,357,173 | €3,294,248 | -€62,925 | -1.9% |
| Fixed assets | 21/28 | €3,170,811 | €3,120,595 | -€50,217 | -1.6% |
| Tangible fixed assets | 22/27 | €670,811 | €620,595 | -€50,217 | -7.5% |
| Land and buildings | 22 | €670,811 | €620,595 | -€50,217 | -7.5% |
| Financial fixed assets | 28 | €2,500,000 | €2,500,000 | = | 0.0% |
| Current assets | 29/58 | €186,362 | €173,654 | -€12,708 | -6.8% |
| Stocks and contracts in progress | 3 | €28,925 | €28,925 | = | 0.0% |
| Stocks | 30/36 | €28,925 | €28,925 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €119,869 | €117,341 | -€2,528 | -2.1% |
| Trade receivables | 40 | €11,301 | €8,773 | -€2,528 | -22.4% |
| Other amounts receivable | 41 | €108,568 | €108,568 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €26,071 | €17,501 | -€8,570 | -32.9% |
| Deferred charges and accrued income | 490/1 | €11,497 | €9,887 | -€1,610 | -14.0% |
| Total equity and liabilities | 10/49 | €3,357,173 | €3,294,248 | -€62,925 | -1.9% |
| Equity | 10/15 | €2,970,802 | €3,032,906 | +€62,104 | +2.1% |
| Contributions | 10/11 | €1,894,786 | €1,894,786 | = | 0.0% |
| Capital | 10 | €1,894,786 | €1,894,786 | = | 0.0% |
| Issued capital | 100 | €1,894,786 | €1,894,786 | = | 0.0% |
| Reserves | 13 | €97,353 | €97,353 | = | 0.0% |
| Non-distributable reserves | 130/1 | €80,000 | €80,000 | = | 0.0% |
| Legal reserve | 130 | €80,000 | €80,000 | = | 0.0% |
| Tax-exempt reserves | 132 | €17,353 | €17,353 | = | 0.0% |
| Profit (loss) carried forward | 14 | €978,664 | €1,040,768 | +€62,104 | +6.3% |
| Amounts payable | 17/49 | €386,371 | €261,342 | -€125,029 | -32.4% |
| Amounts payable after more than one year | 17 | €98,435 | €46,735 | -€51,700 | -52.5% |
| Financial debts | 170/4 | €98,435 | €46,735 | -€51,700 | -52.5% |
| Amounts payable within one year | 42/48 | €287,936 | €214,607 | -€73,329 | -25.5% |
| Current portion of amounts payable after more than one year | 42 | €116,674 | €51,700 | -€64,973 | -55.7% |
| Trade debts | 44 | €11,239 | €7,045 | -€4,194 | -37.3% |
| Suppliers | 440/4 | €11,239 | €7,045 | -€4,194 | -37.3% |
| Taxes, remuneration and social security | 45 | €2,405 | €13,744 | +€11,340 | +471.6% |
| Taxes | 450/3 | €2,405 | €13,744 | +€11,340 | +471.6% |
| Other amounts payable | 47/48 | €157,619 | €142,118 | -€15,501 | -9.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €50,651 | €50,217 | -€435 | -0.9% |
| Other operating charges | 640/8 | €30,394 | €31,442 | +€1,048 | +3.4% |
| Gross operating margin | 9900 | €298,515 | €168,550 | -€129,964 | -43.5% |
| Operating profit (loss) | 9901 | €217,469 | €86,892 | -€130,577 | -60.0% |
| Financial income | 75/76B | €542 | €25 | -€517 | -95.3% |
| Recurring financial income | 75 | €542 | €25 | -€517 | -95.3% |
| Financial charges | 65/66B | €12,643 | €10,397 | -€2,246 | -17.8% |
| Recurring financial charges | 65 | €12,643 | €10,397 | -€2,246 | -17.8% |
| Profit (loss) for the period before taxes | 9903 | €205,368 | €76,520 | -€128,848 | -62.7% |
| Income taxes | 67/77 | €564 | €14,416 | +€13,852 | +2454.8% |
| Profit (loss) for the period | 9904 | €204,804 | €62,104 | -€142,700 | -69.7% |
| Profit (loss) for the period to be appropriated | 9905 | €204,804 | €62,104 | -€142,700 | -69.7% |
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.