CIB Belgium: 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.
CIB Belgium
Largest movements
- Receivables within one year -€3,786
down €3,786 (-75.2%), from €5,033 to €1,247
of which Trade receivables: -€2,952
- Intangible fixed assets -€3,700
down €3,700 (-10.9%), from €33,918 to €30,218
- Financial fixed assets +€1,000
up €1,000 (+275%), from €363 to €1,363
- Cash +€844
up €844 (+37.5%), from €2,248 to €3,092
mainly Receivables within one year (+€3,786) and Depreciation (+€3,700)
- Debts after one year -€7,338
down €7,338 (-29.6%), from €24,814 to €17,476
- Other debts +€3,615
up €3,615 (+291%), from €1,244 to €4,859
- Profit (loss) carried forward -€3,060
down €3,060 (-269%), from -€1,138 to -€4,197
- Tax, wage and social debts +€2,354
up €2,354 (+58.8%), from €4,001 to €6,354
of which Remuneration and social security: +€2,321
- Accrued charges and deferred income -€1,030
no longer reported in 2025 (was €1,030)
- Staff costs +€8,076
up €8,076 (+47.5%), from €17,013 to €25,089
- Gross operating margin +€5,252
up €5,252 (+24.3%), from €21,649 to €26,901
- Financial charges -€1,294
down €1,294 (-52.5%), from €2,466 to €1,171
- Depreciation +€618
up €618 (+20.1%), from €3,082 to €3,700
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 | €41,562 | €35,920 | -€5,642 | -13.6% |
| Fixed assets | 21/28 | €34,281 | €31,581 | -€2,700 | -7.9% |
| Intangible fixed assets | 21 | €33,918 | €30,218 | -€3,700 | -10.9% |
| Financial fixed assets | 28 | €363 | €1,363 | +€1,000 | +275% |
| Current assets | 29/58 | €7,280 | €4,339 | -€2,942 | -40.4% |
| Amounts receivable within one year | 40/41 | €5,033 | €1,247 | -€3,786 | -75.2% |
| Trade receivables | 40 | €4,199 | €1,247 | -€2,952 | -70.3% |
| Other amounts receivable | 41 | €833 | - | -€833 | |
| Cash at bank and in hand | 54/58 | €2,248 | €3,092 | +€844 | +37.5% |
| Total equity and liabilities | 10/49 | €41,562 | €35,920 | -€5,642 | -13.6% |
| Equity | 10/15 | €862 | -€2,197 | -€3,060 | |
| Contributions | 10/11 | €2,000 | €2,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€1,138 | -€4,197 | -€3,060 | -269% |
| Amounts payable | 17/49 | €40,699 | €38,117 | -€2,582 | -6.3% |
| Amounts payable after more than one year | 17 | €24,814 | €17,476 | -€7,338 | -29.6% |
| Financial debts | 170/4 | €24,814 | €17,476 | -€7,338 | -29.6% |
| Amounts payable within one year | 42/48 | €14,855 | €20,641 | +€5,786 | +38.9% |
| Current portion of amounts payable after more than one year | 42 | €7,178 | €7,338 | +€160 | +2.2% |
| Trade debts | 44 | €2,432 | €2,090 | -€342 | -14.1% |
| Suppliers | 440/4 | €2,432 | €2,090 | -€342 | -14.1% |
| Taxes, remuneration and social security | 45 | €4,001 | €6,354 | +€2,354 | +58.8% |
| Taxes | 450/3 | €168 | €201 | +€33 | +19.6% |
| Remuneration and social security | 454/9 | €3,832 | €6,153 | +€2,321 | +60.6% |
| Other amounts payable | 47/48 | €1,244 | €4,859 | +€3,615 | +291% |
| Accrued charges and deferred income | 492/3 | €1,030 | - | -€1,030 | |
| Remuneration, social security and pensions | 62 | €17,013 | €25,089 | +€8,076 | +47.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,082 | €3,700 | +€618 | +20.1% |
| Other operating charges | 640/8 | €57 | - | -€57 | |
| Gross operating margin | 9900 | €21,649 | €26,901 | +€5,252 | +24.3% |
| Operating profit (loss) | 9901 | €1,497 | -€1,888 | -€3,385 | |
| Financial charges | 65/66B | €2,466 | €1,171 | -€1,294 | -52.5% |
| Recurring financial charges | 65 | €2,466 | €1,171 | -€1,294 | -52.5% |
| Profit (loss) for the period before taxes | 9903 | -€969 | -€3,060 | -€2,090 | -216% |
| Income taxes | 67/77 | €168 | - | -€168 | |
| Profit (loss) for the period | 9904 | -€1,138 | -€3,060 | -€1,922 | -169% |
| Profit (loss) for the period to be appropriated | 9905 | -€1,138 | -€3,060 | -€1,922 | -169% |
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 30 October 2026 via checked.be.