CLICREDIT: 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.
CLICREDIT
Largest movements
- Receivables within one year +€85,579
up €85,579 (+300%), from €28,567 to €114,145
- Cash -€19,479
down €19,479 (-46.7%), from €41,733 to €22,254
mainly Receivables within one year (-€85,579) and Investment in fixed assets (net) (-€23,327)
- Tangible fixed assets +€5,690
up €5,690 (+95.2%), from €5,978 to €11,668
- Intangible fixed assets +€3,776
up €3,776 (+12.7%), from €29,682 to €33,458
- Profit (loss) carried forward +€54,965
up €54,965 (+263%), from €20,865 to €75,830
- Tax, wage and social debts +€36,093
up €36,093 (+141%), from €25,522 to €61,615
of which Taxes: +€19,012
- Trade debts -€15,492
down €15,492 (-46.5%), from €33,309 to €17,817
- Gross operating margin +€132,006
up €132,006 (+44.1%), from €299,415 to €431,422
- Staff costs +€67,272
up €67,272 (+24.4%), from €275,242 to €342,514
- Taxes +€13,601
up €13,601 (+336%), from €4,054 to €17,654
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 | €107,760 | €183,326 | +€75,566 | +70.1% |
| Fixed assets | 21/28 | €37,460 | €46,926 | +€9,466 | +25.3% |
| Intangible fixed assets | 21 | €29,682 | €33,458 | +€3,776 | +12.7% |
| Tangible fixed assets | 22/27 | €5,978 | €11,668 | +€5,690 | +95.2% |
| Plant, machinery and equipment | 23 | €5,978 | €11,668 | +€5,690 | +95.2% |
| Financial fixed assets | 28 | €1,800 | €1,800 | = | 0.0% |
| Current assets | 29/58 | €70,300 | €136,400 | +€66,099 | +94.0% |
| Amounts receivable within one year | 40/41 | €28,567 | €114,145 | +€85,579 | +300% |
| Trade receivables | 40 | €28,567 | €114,145 | +€85,579 | +300% |
| Cash at bank and in hand | 54/58 | €41,733 | €22,254 | -€19,479 | -46.7% |
| Deferred charges and accrued income | 490/1 | €0 | - | = | |
| Total equity and liabilities | 10/49 | €107,760 | €183,326 | +€75,566 | +70.1% |
| Equity | 10/15 | €30,865 | €85,830 | +€54,965 | +178% |
| Contributions | 10/11 | €10,000 | €10,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €20,865 | €75,830 | +€54,965 | +263% |
| Amounts payable | 17/49 | €76,895 | €97,496 | +€20,601 | +26.8% |
| Amounts payable within one year | 42/48 | €76,895 | €97,496 | +€20,601 | +26.8% |
| Trade debts | 44 | €33,309 | €17,817 | -€15,492 | -46.5% |
| Suppliers | 440/4 | €33,309 | €17,817 | -€15,492 | -46.5% |
| Taxes, remuneration and social security | 45 | €25,522 | €61,615 | +€36,093 | +141% |
| Taxes | 450/3 | €4,054 | €23,066 | +€19,012 | +469% |
| Remuneration and social security | 454/9 | €21,469 | €38,550 | +€17,081 | +79.6% |
| Other amounts payable | 47/48 | €18,063 | €18,063 | = | 0.0% |
| Remuneration, social security and pensions | 62 | €275,242 | €342,514 | +€67,272 | +24.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €10,154 | €13,860 | +€3,706 | +36.5% |
| Other operating charges | 640/8 | €59 | €2,096 | +€2,037 | +3,447% |
| Gross operating margin | 9900 | €299,415 | €431,422 | +€132,006 | +44.1% |
| Operating profit (loss) | 9901 | €13,960 | €72,952 | +€58,992 | +423% |
| Financial income | 75/76B | €32 | €0 | -€32 | -100% |
| Recurring financial income | 75 | €32 | €0 | -€32 | -100% |
| Financial charges | 65/66B | €27 | €333 | +€306 | +1,126% |
| Recurring financial charges | 65 | €27 | €333 | +€306 | +1,126% |
| Profit (loss) for the period before taxes | 9903 | €13,964 | €72,619 | +€58,654 | +420% |
| Income taxes | 67/77 | €4,054 | €17,654 | +€13,601 | +336% |
| Profit (loss) for the period | 9904 | €9,911 | €54,965 | +€45,054 | +455% |
| Profit (loss) for the period to be appropriated | 9905 | €9,911 | €54,965 | +€45,054 | +455% |
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 17 October 2026 via checked.be.