Cobby's: what changed
Two fiscal 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.
What changed
Cobby's
NACE 46.412, Wholesale of household textiles and bedding
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€348,584
2024 · €409,830-€61,246
Equity
€5.7m
2024 · €5.5m+€213,584
Cash
€240,705
2024 · €561,132-€320,427
Balance sheet total
€6.1m
2024 · €5.8m+€303,685
Largest movements
Assets
- Current investments +€1.6m
up €1.6m (+41.7%), from €3.8m to €5.3m
- Stocks and contracts -€973,519
down €973,519 (-86.4%), from €1.1m to €153,552
- Cash -€320,427
down €320,427 (-57.1%), from €561,132 to €240,705
mainly Current investments (-€1.6m) and Contributions, distributions and other (-€135,000)
Equity and liabilities
- Reserves +€213,584
up €213,584 (+3.9%), from €5.4m to €5.6m
of which Distributable reserves: +€213,584
- Other debts +€121,424
up €121,424 (+147.1%), from €82,570 to €203,994
Income statement
- Financial charges +€87,594
up €87,594, from -€21,039 to €66,555
- Financial income +€37,634
up €37,634 (+44.5%), from €84,645 to €122,280
- Taxes +€7,693
up €7,693 (+4.6%), from €167,329 to €175,022
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.
Result 2024
€409,830
Gross operating margin
+€1,591
Staff costs
+€1,500
Depreciation
-€3,336
Other operating charges
-€475
Other operating items
-€2,873
Financial income
+€37,634
Financial charges
-€87,594
Taxes
-€7,693
Result 2025
€348,584
Cash bridge derived
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.
From operations
+€1.4m
Investment
-€1.6m
Financing
-€135,000
Cash 2024
€561,132
From operations (derived)
+€1.4m
Net result for the year
+€348,584
Depreciation
+€31,348
Stocks and contracts
+€973,519
Receivables within one year
-€36,404
Smaller working-capital items
+€796
Trade debts
-€18,626
Tax, wage and social debts
-€14,208
Other debts
+€121,424
Investment (derived)
-€1.6m
Investment in fixed assets (net)
-€21,965
Current investments
-€1.6m
Financing
-€135,000
Contributions, distributions and other
-€135,000
Cash 2025
€240,705
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €5,751,993 | €6,055,678 | +€303,685 | +5.3% |
| Fixed assets | 21/28 | €190,035 | €180,652 | -€9,383 | -4.9% |
| Tangible fixed assets | 22/27 | €104,826 | €102,596 | -€2,230 | -2.1% |
| Land and buildings | 22 | €13,276 | €19,347 | +€6,071 | +45.7% |
| Plant, machinery and equipment | 23 | €8,822 | €26,400 | +€17,578 | +199.2% |
| Furniture and vehicles | 24 | €82,728 | €56,849 | -€25,878 | -31.3% |
| Financial fixed assets | 28 | €85,209 | €78,056 | -€7,153 | -8.4% |
| Current assets | 29/58 | €5,561,958 | €5,875,026 | +€313,068 | +5.6% |
| Stocks and contracts in progress | 3 | €1,127,071 | €153,552 | -€973,519 | -86.4% |
| Stocks | 30/36 | €1,127,071 | €153,552 | -€973,519 | -86.4% |
| Amounts receivable within one year | 40/41 | €101,402 | €137,806 | +€36,404 | +35.9% |
| Trade receivables | 40 | €99,562 | €133,164 | +€33,601 | +33.7% |
| Other amounts receivable | 41 | €1,839 | €4,642 | +€2,803 | +152.4% |
| Current investments | 50/53 | €3,766,146 | €5,336,040 | +€1.6m | +41.7% |
| Cash at bank and in hand | 54/58 | €561,132 | €240,705 | -€320,427 | -57.1% |
| Deferred charges and accrued income | 490/1 | €6,208 | €6,923 | +€715 | +11.5% |
| Total equity and liabilities | 10/49 | €5,751,993 | €6,055,678 | +€303,685 | +5.3% |
| Equity | 10/15 | €5,534,996 | €5,748,580 | +€213,584 | +3.9% |
| Contributions | 10/11 | €125,000 | €125,000 | = | 0.0% |
| Capital | 10 | €125,000 | €125,000 | = | 0.0% |
| Issued capital | 100 | €125,000 | €125,000 | = | 0.0% |
| Reserves | 13 | €5,409,996 | €5,623,580 | +€213,584 | +3.9% |
| Non-distributable reserves | 130/1 | €12,500 | €12,500 | = | 0.0% |
| Legal reserve | 130 | €12,500 | €12,500 | = | 0.0% |
| Tax-exempt reserves | 132 | €13,269 | €13,269 | = | 0.0% |
| Distributable reserves | 133 | €5,384,227 | €5,597,811 | +€213,584 | +4.0% |
| Profit (loss) carried forward | 14 | - | €0 | = | |
| Amounts payable | 17/49 | €216,997 | €307,098 | +€90,101 | +41.5% |
| Amounts payable within one year | 42/48 | €180,862 | €268,807 | +€87,945 | +48.6% |
| Trade debts | 44 | €63,763 | €45,137 | -€18,626 | -29.2% |
| Suppliers | 440/4 | €63,763 | €45,137 | -€18,626 | -29.2% |
| Advances received on contracts in progress | 46 | €645 | €0 | -€645 | -100.0% |
| Taxes, remuneration and social security | 45 | €33,884 | €19,676 | -€14,208 | -41.9% |
| Taxes | 450/3 | €32,944 | €18,957 | -€13,987 | -42.5% |
| Remuneration and social security | 454/9 | €939 | €719 | -€220 | -23.5% |
| Other amounts payable | 47/48 | €82,570 | €203,994 | +€121,424 | +147.1% |
| Accrued charges and deferred income | 492/3 | €36,135 | €38,292 | +€2,156 | +6.0% |
| Non-recurring operating income | 76A | €0 | €207,981 | +€207,981 | |
| Remuneration, social security and pensions | 62 | €14,487 | €12,986 | -€1,500 | -10.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €28,012 | €31,348 | +€3,336 | +11.9% |
| Other operating charges | 640/8 | €1,360 | €1,835 | +€475 | +35.0% |
| Non-recurring operating charges | 66A | - | €2,873 | +€2,873 | |
| Gross operating margin | 9900 | €515,333 | €516,924 | +€1,591 | +0.3% |
| Operating profit (loss) | 9901 | €471,474 | €467,881 | -€3,593 | -0.8% |
| Financial income | 75/76B | €84,645 | €122,280 | +€37,634 | +44.5% |
| Recurring financial income | 75 | €84,645 | €122,280 | +€37,634 | +44.5% |
| Financial charges | 65/66B | -€21,039 | €66,555 | +€87,594 | |
| Recurring financial charges | 65 | -€21,039 | €66,555 | +€87,594 | |
| Profit (loss) for the period before taxes | 9903 | €577,159 | €523,606 | -€53,553 | -9.3% |
| Income taxes | 67/77 | €167,329 | €175,022 | +€7,693 | +4.6% |
| Profit (loss) for the period | 9904 | €409,830 | €348,584 | -€61,246 | -14.9% |
| Profit (loss) for the period to be appropriated | 9905 | €409,830 | €348,584 | -€61,246 | -14.9% |
Source: filed annual accounts (NBB), fiscal years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 6 October 2026 via checked.be.