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CODEL: 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

CODEL

BE 0453.961.384
NACE 46.190, Agents in non-specialised wholesale trade
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€11,365
2024 · €21,229-€9,864
Equity
€58,264
2024 · €46,898+€11,365
Cash
€4,605
2024 · €9,587-€4,983
Balance sheet total
€82,301
2024 · €71,830+€10,472

Largest movements

2024 to 2025
Assets
  • Receivables within one year +€22,139

    up €22,139 (+45.5%), from €48,631 to €70,771

    of which Other amounts receivable: +€20,802

  • Tangible fixed assets -€6,685

    down €6,685 (-49.1%), from €13,611 to €6,926

    of which Furniture and vehicles: -€6,325

  • Cash -€4,983

    down €4,983 (-52.0%), from €9,587 to €4,605

    mainly Receivables within one year (-€22,139) and Tax, wage and social debts (-€9,210)

Equity and liabilities
  • Advances received +€14,000

    up €14,000 (+5894.7%), from €238 to €14,238

  • Reserves +€11,365

    up €11,365 (+122.5%), from €9,276 to €20,641

    of which Distributable reserves: +€11,365

  • Tax, wage and social debts -€9,210

    down €9,210 (-57.3%), from €16,065 to €6,856

  • Current portion of long-term debt -€3,840

    down €3,840 (-66.3%), from €5,788 to €1,949

  • Debts after one year -€1,949

    no longer reported in 2025 (was €1,949)

Income statement
  • Gross operating margin -€10,204

    down €10,204 (-31.4%), from €32,543 to €22,340

  • Depreciation +€1,816

    up €1,816 (+37.3%), from €4,869 to €6,685

  • Taxes -€1,317

    down €1,317 (-19.1%), from €6,899 to €5,582

  • Financial income +€866

    up €866 (+39.2%), from €2,209 to €3,075

From the 2024 result to the 2025 result

effect on the 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 €21,229
Gross operating margin -€10,204
Depreciation -€1,816
Other operating charges -€115
Financial income +€866
Financial charges +€88
Taxes +€1,317
Result 2025 €11,365

Cash bridge derived

cash 2024 to 2025

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 +€806
Investment €0
Financing -€5,788
Cash 2024 €9,587
Net result for the year +€11,365
Depreciation +€6,685
Receivables within one year -€22,139
Trade debts +€105
Tax, wage and social debts -€9,210
Advances received +€14,000
Debts after one year -€1,949
Current portion of long-term debt -€3,840
Cash 2025 €4,605
Every line side by side 38 lines
Line Code 2024 2025 Change %
Total assets 20/58 €71,830 €82,301 +€10,472 +14.6%
Fixed assets 21/28 €13,611 €6,926 -€6,685 -49.1%
Tangible fixed assets 22/27 €13,611 €6,926 -€6,685 -49.1%
Furniture and vehicles 24 €10,294 €3,969 -€6,325 -61.4%
Other tangible fixed assets 26 €3,316 €2,957 -€360 -10.8%
Current assets 29/58 €58,219 €75,375 +€17,157 +29.5%
Amounts receivable within one year 40/41 €48,631 €70,771 +€22,139 +45.5%
Trade receivables 40 €1,624 €2,960 +€1,337 +82.3%
Other amounts receivable 41 €47,008 €67,810 +€20,802 +44.3%
Cash at bank and in hand 54/58 €9,587 €4,605 -€4,983 -52.0%
Total equity and liabilities 10/49 €71,830 €82,301 +€10,472 +14.6%
Equity 10/15 €46,898 €58,264 +€11,365 +24.2%
Reserves 13 €9,276 €20,641 +€11,365 +122.5%
Tax-exempt reserves 132 €6,921 €6,921 = 0.0%
Distributable reserves 133 €2,355 €13,720 +€11,365 +482.6%
Profit (loss) carried forward 14 €37,622 €37,622 = 0.0%
Amounts payable 17/49 €24,931 €24,038 -€894 -3.6%
Amounts payable after more than one year 17 €1,949 - -€1,949
Financial debts 170/4 €1,949 - -€1,949
Amounts payable within one year 42/48 €22,983 €24,038 +€1,055 +4.6%
Current portion of amounts payable after more than one year 42 €5,788 €1,949 -€3,840 -66.3%
Trade debts 44 €891 €996 +€105 +11.7%
Suppliers 440/4 €891 €996 +€105 +11.7%
Advances received on contracts in progress 46 €238 €14,238 +€14,000 +5894.7%
Taxes, remuneration and social security 45 €16,065 €6,856 -€9,210 -57.3%
Taxes 450/3 €16,065 €6,856 -€9,210 -57.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €4,869 €6,685 +€1,816 +37.3%
Other operating charges 640/8 €1,118 €1,233 +€115 +10.3%
Gross operating margin 9900 €32,543 €22,340 -€10,204 -31.4%
Operating profit (loss) 9901 €26,557 €14,422 -€12,135 -45.7%
Financial income 75/76B €2,209 €3,075 +€866 +39.2%
Recurring financial income 75 €2,209 €3,075 +€866 +39.2%
Financial charges 65/66B €638 €550 -€88 -13.8%
Recurring financial charges 65 €638 €550 -€88 -13.8%
Profit (loss) for the period before taxes 9903 €28,128 €16,948 -€11,180 -39.7%
Income taxes 67/77 €6,899 €5,582 -€1,317 -19.1%
Profit (loss) for the period 9904 €21,229 €11,365 -€9,864 -46.5%
Profit (loss) for the period to be appropriated 9905 €21,229 €11,365 -€9,864 -46.5%

Source: filed annual accounts (NBB), fiscal 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 September 2026 via checked.be.