CIB Trade: 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 Trade
Largest movements
- Receivables within one year +€448,344
up €448,344 (+70.6%), from €634,922 to €1.1m
- Stocks and contracts -€350,719
down €350,719 (-22.4%), from €1.6m to €1.2m
- Cash +€38,852
up €38,852 (+589%), from €6,597 to €45,449
mainly Stocks and contracts (+€350,719) and Other debts (+€183,249)
- Other debts +€183,249
up €183,249 (+44.4%), from €412,600 to €595,849
- Tax, wage and social debts -€85,563
down €85,563 (-87.2%), from €98,162 to €12,599
- Profit (loss) carried forward +€33,457
up €33,457 (+27.7%), from €120,709 to €154,166
- Gross operating margin +€60,386
up €60,386, from -€26,397 to €33,989
- Financial charges -€33,547
down €33,547 (-98.3%), from €34,129 to €582
- Taxes +€1,031
new in 2025: €1,031
- Financial income +€661
up €661 (+49.0%), from €1,349 to €2,010
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 | €2,207,407 | €2,343,074 | +€135,667 | +6.1% |
| Fixed assets | 21/28 | €1,573 | €763 | -€809 | -51.5% |
| Tangible fixed assets | 22/27 | €1,573 | €763 | -€809 | -51.5% |
| Plant, machinery and equipment | 23 | €1,573 | €763 | -€809 | -51.5% |
| Current assets | 29/58 | €2,205,835 | €2,342,311 | +€136,476 | +6.2% |
| Stocks and contracts in progress | 3 | €1,564,315 | €1,213,596 | -€350,719 | -22.4% |
| Stocks | 30/36 | €1,564,315 | €1,213,596 | -€350,719 | -22.4% |
| Amounts receivable within one year | 40/41 | €634,922 | €1,083,265 | +€448,344 | +70.6% |
| Trade receivables | 40 | €634,922 | €1,083,265 | +€448,344 | +70.6% |
| Cash at bank and in hand | 54/58 | €6,597 | €45,449 | +€38,852 | +589% |
| Total equity and liabilities | 10/49 | €2,207,407 | €2,343,074 | +€135,667 | +6.1% |
| Equity | 10/15 | €209,169 | €242,626 | +€33,457 | +16.0% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €69,860 | €69,860 | = | 0.0% |
| Distributable reserves | 133 | €69,860 | €69,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €120,709 | €154,166 | +€33,457 | +27.7% |
| Amounts payable | 17/49 | €1,998,239 | €2,100,449 | +€102,210 | +5.1% |
| Amounts payable after more than one year | 17 | €1,486,975 | €1,491,145 | +€4,170 | +0.3% |
| Financial debts | 170/4 | €1,486,975 | €1,491,145 | +€4,170 | +0.3% |
| Amounts payable within one year | 42/48 | €511,264 | €609,303 | +€98,040 | +19.2% |
| Trade debts | 44 | €501 | €855 | +€354 | +70.6% |
| Suppliers | 440/4 | €501 | €855 | +€354 | +70.6% |
| Taxes, remuneration and social security | 45 | €98,162 | €12,599 | -€85,563 | -87.2% |
| Taxes | 450/3 | €98,162 | €12,599 | -€85,563 | -87.2% |
| Other amounts payable | 47/48 | €412,600 | €595,849 | +€183,249 | +44.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €860 | €809 | -€50 | -5.8% |
| Other operating charges | 640/8 | €118 | €120 | +€2 | +1.7% |
| Gross operating margin | 9900 | -€26,397 | €33,989 | +€60,386 | |
| Operating profit (loss) | 9901 | -€27,374 | €33,060 | +€60,434 | |
| Financial income | 75/76B | €1,349 | €2,010 | +€661 | +49.0% |
| Recurring financial income | 75 | €1,349 | €2,010 | +€661 | +49.0% |
| Financial charges | 65/66B | €34,129 | €582 | -€33,547 | -98.3% |
| Recurring financial charges | 65 | €34,129 | €582 | -€33,547 | -98.3% |
| Profit (loss) for the period before taxes | 9903 | -€60,154 | €34,488 | +€94,642 | |
| Income taxes | 67/77 | - | €1,031 | +€1,031 | |
| Profit (loss) for the period | 9904 | -€60,154 | €33,457 | +€93,612 | |
| Profit (loss) for the period to be appropriated | 9905 | -€60,154 | €33,457 | +€93,612 |
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.