CLBK: 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.
CLBK
Largest movements
- Cash +€195,078
up €195,078 (+63.2%), from €308,711 to €503,789
mainly Net result for the year (+€198,577) and Receivables within one year (+€3,086)
- Reserves +€198,577
up €198,577 (+77.0%), from €257,735 to €456,312
- Tax, wage and social debts -€6,619
down €6,619 (-7.9%), from €83,959 to €77,340
of which Taxes: -€8,507
- Gross operating margin -€27,280
down €27,280 (-9.8%), from €279,576 to €252,296
- Financial income +€8,334
up €8,334 (+348,695%), from €2 to €8,336
- Taxes -€5,068
down €5,068 (-7.7%), from €65,810 to €60,742
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 | €344,194 | €536,187 | +€191,992 | +55.8% |
| Current assets | 29/58 | €344,194 | €536,187 | +€191,992 | +55.8% |
| Amounts receivable within one year | 40/41 | €35,483 | €32,398 | -€3,086 | -8.7% |
| Trade receivables | 40 | €35,483 | €32,398 | -€3,086 | -8.7% |
| Cash at bank and in hand | 54/58 | €308,711 | €503,789 | +€195,078 | +63.2% |
| Total equity and liabilities | 10/49 | €344,194 | €536,187 | +€191,992 | +55.8% |
| Equity | 10/15 | €260,235 | €458,812 | +€198,577 | +76.3% |
| Contributions | 10/11 | €2,500 | €2,500 | = | 0.0% |
| Reserves | 13 | €257,735 | €456,312 | +€198,577 | +77.0% |
| Distributable reserves | 133 | €257,735 | €456,312 | +€198,577 | +77.0% |
| Amounts payable | 17/49 | €83,959 | €77,375 | -€6,584 | -7.8% |
| Amounts payable within one year | 42/48 | €83,959 | €77,375 | -€6,584 | -7.8% |
| Trade debts | 44 | - | €35 | +€35 | |
| Suppliers | 440/4 | - | €35 | +€35 | |
| Taxes, remuneration and social security | 45 | €83,959 | €77,340 | -€6,619 | -7.9% |
| Taxes | 450/3 | €83,958 | €75,451 | -€8,507 | -10.1% |
| Remuneration and social security | 454/9 | €1 | €1,889 | +€1,888 | +165,595% |
| Gross operating margin | 9900 | €279,576 | €252,296 | -€27,280 | -9.8% |
| Operating profit (loss) | 9901 | €279,576 | €252,296 | -€27,280 | -9.8% |
| Financial income | 75/76B | €2 | €8,336 | +€8,334 | +348,695% |
| Recurring financial income | 75 | €2 | €8,336 | +€8,334 | +348,695% |
| Financial charges | 65/66B | €1,020 | €1,314 | +€294 | +28.8% |
| Recurring financial charges | 65 | €1,020 | €1,314 | +€294 | +28.8% |
| Profit (loss) for the period before taxes | 9903 | €278,558 | €259,318 | -€19,240 | -6.9% |
| Income taxes | 67/77 | €65,810 | €60,742 | -€5,068 | -7.7% |
| Profit (loss) for the period | 9904 | €212,749 | €198,577 | -€14,172 | -6.7% |
| Profit (loss) for the period to be appropriated | 9905 | €212,749 | €198,577 | -€14,172 | -6.7% |
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.