CHANCE AD: 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.
CHANCE AD
Largest movements
- Receivables within one year +€47,471
up €47,471 (+735%), from €6,455 to €53,926
of which Trade receivables: +€36,085
- Cash -€16,352
down €16,352 (-18.8%), from €87,149 to €70,796
mainly Receivables within one year (-€47,471) and Investment in fixed assets (net) (-€12,997)
- Deferred charges and accrued income -€3,841
down €3,841 (-68.0%), from €5,650 to €1,809
- Intangible fixed assets -€2,778
down €2,778 (-17.0%), from €16,386 to €13,608
- Trade debts +€18,791
up €18,791 (+45.2%), from €41,615 to €60,406
- Profit (loss) carried forward +€9,707
up €9,707 (+107%), from €9,099 to €18,806
- Current portion of long-term debt -€3,402
down €3,402 (-56.1%), from €6,062 to €2,660
- Debts after one year -€2,660
down €2,660 (-8.1%), from €32,660 to €30,000
- Tax, wage and social debts +€2,029
up €2,029 (+5.0%), from €40,694 to €42,723
of which Remuneration and social security: +€9,638
- Staff costs +€117,459
up €117,459 (+61.8%), from €189,995 to €307,454
- Gross operating margin +€64,689
up €64,689 (+23.5%), from €274,749 to €339,438
- Taxes -€14,989
down €14,989, from €11,797 to -€3,192
- Depreciation -€3,525
down €3,525 (-17.7%), from €19,867 to €16,342
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 | €164,127 | €188,366 | +€24,239 | +14.8% |
| Fixed assets | 21/28 | €60,180 | €56,835 | -€3,345 | -5.6% |
| Intangible fixed assets | 21 | €16,386 | €13,608 | -€2,778 | -17.0% |
| Tangible fixed assets | 22/27 | €43,354 | €42,787 | -€568 | -1.3% |
| Plant, machinery and equipment | 23 | €8,224 | €4,868 | -€3,357 | -40.8% |
| Furniture and vehicles | 24 | €4,693 | €934 | -€3,759 | -80.1% |
| Other tangible fixed assets | 26 | €30,437 | €36,985 | +€6,548 | +21.5% |
| Financial fixed assets | 28 | €440 | €440 | = | 0.0% |
| Current assets | 29/58 | €103,947 | €131,531 | +€27,584 | +26.5% |
| Stocks and contracts in progress | 3 | €4,693 | €5,000 | +€306 | +6.5% |
| Stocks | 30/36 | €4,693 | €5,000 | +€306 | +6.5% |
| Amounts receivable within one year | 40/41 | €6,455 | €53,926 | +€47,471 | +735% |
| Trade receivables | 40 | €1,815 | €37,900 | +€36,085 | +1,988% |
| Other amounts receivable | 41 | €4,640 | €16,026 | +€11,386 | +245% |
| Cash at bank and in hand | 54/58 | €87,149 | €70,796 | -€16,352 | -18.8% |
| Deferred charges and accrued income | 490/1 | €5,650 | €1,809 | -€3,841 | -68.0% |
| Total equity and liabilities | 10/49 | €164,127 | €188,366 | +€24,239 | +14.8% |
| Equity | 10/15 | €29,099 | €38,806 | +€9,707 | +33.4% |
| Contributions | 10/11 | €20,000 | €20,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €9,099 | €18,806 | +€9,707 | +107% |
| Amounts payable | 17/49 | €135,028 | €149,560 | +€14,531 | +10.8% |
| Amounts payable after more than one year | 17 | €32,660 | €30,000 | -€2,660 | -8.1% |
| Financial debts | 170/4 | €32,660 | €30,000 | -€2,660 | -8.1% |
| Amounts payable within one year | 42/48 | €102,210 | €119,560 | +€17,350 | +17.0% |
| Current portion of amounts payable after more than one year | 42 | €6,062 | €2,660 | -€3,402 | -56.1% |
| Financial debts | 43 | €0 | - | = | |
| Credit institutions | 430/8 | €0 | - | = | |
| Trade debts | 44 | €41,615 | €60,406 | +€18,791 | +45.2% |
| Suppliers | 440/4 | €41,615 | €60,406 | +€18,791 | +45.2% |
| Taxes, remuneration and social security | 45 | €40,694 | €42,723 | +€2,029 | +5.0% |
| Taxes | 450/3 | €19,277 | €11,668 | -€7,610 | -39.5% |
| Remuneration and social security | 454/9 | €21,417 | €31,055 | +€9,638 | +45.0% |
| Other amounts payable | 47/48 | €13,838 | €13,770 | -€68 | -0.5% |
| Accrued charges and deferred income | 492/3 | €159 | €0 | -€159 | -100% |
| Remuneration, social security and pensions | 62 | €189,995 | €307,454 | +€117,459 | +61.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €19,867 | €16,342 | -€3,525 | -17.7% |
| Other operating charges | 640/8 | €1,549 | €2,397 | +€847 | +54.7% |
| Non-recurring operating charges | 66A | €2,717 | €0 | -€2,717 | -100.0% |
| Gross operating margin | 9900 | €274,749 | €339,438 | +€64,689 | +23.5% |
| Operating profit (loss) | 9901 | €60,620 | €13,245 | -€47,375 | -78.2% |
| Financial income | 75/76B | €0 | €1,777 | +€1,777 | |
| Recurring financial income | 75 | €0 | €1,777 | +€1,777 | |
| Financial charges | 65/66B | €5,601 | €8,506 | +€2,906 | +51.9% |
| Recurring financial charges | 65 | €5,601 | €8,506 | +€2,906 | +51.9% |
| Profit (loss) for the period before taxes | 9903 | €55,019 | €6,515 | -€48,504 | -88.2% |
| Income taxes | 67/77 | €11,797 | -€3,192 | -€14,989 | |
| Profit (loss) for the period | 9904 | €43,222 | €9,707 | -€33,515 | -77.5% |
| Profit (loss) for the period to be appropriated | 9905 | €43,222 | €9,707 | -€33,515 | -77.5% |
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 29 October 2026 via checked.be.