CLAIMS SOLUTIONS: 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.
CLAIMS SOLUTIONS
Largest movements
- Receivables within one year -€14,909
down €14,909 (-70.8%), from €21,059 to €6,150
of which Trade receivables: -€15,534
- Deferred charges and accrued income -€8,785
down €8,785 (-97.3%), from €9,025 to €240
- Tangible fixed assets -€6,333
down €6,333 (-2.7%), from €231,726 to €225,393
of which Furniture and vehicles: -€9,573
- Cash +€3,035
up €3,035 (+21.6%), from €14,055 to €17,090
mainly Current portion of long-term debt (+€19,328) and Depreciation (+€19,149)
- Debts after one year -€38,875
down €38,875 (-15.7%), from €248,294 to €209,419
of which Other amounts payable: -€45,529
- Current portion of long-term debt +€19,328
up €19,328 (+170%), from €11,360 to €30,687
- Trade debts -€7,660
down €7,660 (-84.3%), from €9,092 to €1,432
- Profit (loss) carried forward +€7,162
up €7,162, from -€1,812 to €5,350
- Tax, wage and social debts -€5,548
no longer reported in 2025 (was €5,548)
- Gross operating margin -€8,969
down €8,969 (-18.6%), from €48,193 to €39,224
- Other operating charges -€3,242
down €3,242 (-54.8%), from €5,918 to €2,676
- Taxes +€1,981
up €1,981 (+65.5%), from €3,024 to €5,005
- Depreciation +€1,503
up €1,503 (+8.5%), from €17,646 to €19,149
- Financial charges +€1,467
up €1,467 (+39.0%), from €3,764 to €5,232
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 | €278,881 | €251,888 | -€26,993 | -9.7% |
| Fixed assets | 21/28 | €234,741 | €228,408 | -€6,333 | -2.7% |
| Tangible fixed assets | 22/27 | €231,726 | €225,393 | -€6,333 | -2.7% |
| Land and buildings | 22 | €194,223 | €187,779 | -€6,443 | -3.3% |
| Furniture and vehicles | 24 | €29,135 | €19,562 | -€9,573 | -32.9% |
| Other tangible fixed assets | 26 | €8,369 | €18,052 | +€9,683 | +116% |
| Financial fixed assets | 28 | €3,015 | €3,015 | = | 0.0% |
| Current assets | 29/58 | €44,140 | €23,480 | -€20,660 | -46.8% |
| Amounts receivable within one year | 40/41 | €21,059 | €6,150 | -€14,909 | -70.8% |
| Trade receivables | 40 | €21,059 | €5,525 | -€15,534 | -73.8% |
| Other amounts receivable | 41 | - | €625 | +€625 | |
| Cash at bank and in hand | 54/58 | €14,055 | €17,090 | +€3,035 | +21.6% |
| Deferred charges and accrued income | 490/1 | €9,025 | €240 | -€8,785 | -97.3% |
| Total equity and liabilities | 10/49 | €278,881 | €251,888 | -€26,993 | -9.7% |
| Equity | 10/15 | €3,188 | €10,350 | +€7,162 | +225% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€1,812 | €5,350 | +€7,162 | |
| Amounts payable | 17/49 | €275,693 | €241,538 | -€34,155 | -12.4% |
| Amounts payable after more than one year | 17 | €248,294 | €209,419 | -€38,875 | -15.7% |
| Financial debts | 170/4 | €167,596 | €174,250 | +€6,654 | +4.0% |
| Other amounts payable | 178/9 | €80,698 | €35,169 | -€45,529 | -56.4% |
| Amounts payable within one year | 42/48 | €25,999 | €32,119 | +€6,120 | +23.5% |
| Current portion of amounts payable after more than one year | 42 | €11,360 | €30,687 | +€19,328 | +170% |
| Trade debts | 44 | €9,092 | €1,432 | -€7,660 | -84.3% |
| Suppliers | 440/4 | €9,092 | €1,432 | -€7,660 | -84.3% |
| Taxes, remuneration and social security | 45 | €5,548 | - | -€5,548 | |
| Taxes | 450/3 | €5,548 | - | -€5,548 | |
| Accrued charges and deferred income | 492/3 | €1,400 | - | -€1,400 | |
| Non-recurring operating income | 76A | €632 | - | -€632 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €17,646 | €19,149 | +€1,503 | +8.5% |
| Other operating charges | 640/8 | €5,918 | €2,676 | -€3,242 | -54.8% |
| Gross operating margin | 9900 | €48,193 | €39,224 | -€8,969 | -18.6% |
| Operating profit (loss) | 9901 | €24,629 | €17,399 | -€7,230 | -29.4% |
| Financial income | 75/76B | €10 | - | -€10 | |
| Recurring financial income | 75 | €10 | - | -€10 | |
| Financial charges | 65/66B | €3,764 | €5,232 | +€1,467 | +39.0% |
| Recurring financial charges | 65 | €3,764 | €5,232 | +€1,467 | +39.0% |
| Profit (loss) for the period before taxes | 9903 | €20,874 | €12,167 | -€8,708 | -41.7% |
| Income taxes | 67/77 | €3,024 | €5,005 | +€1,981 | +65.5% |
| Profit (loss) for the period | 9904 | €17,851 | €7,162 | -€10,689 | -59.9% |
| Profit (loss) for the period to be appropriated | 9905 | €17,851 | €7,162 | -€10,689 | -59.9% |
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 23 October 2026 via checked.be.