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COGEFA: 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

COGEFA

BE 0474.007.524
NACE 43.230, Insulation installation
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€87,179
2024 · €151-€87,330
Equity
-€63,613
2024 · €23,566-€87,179
Cash
€25
2024 · €25
Balance sheet total
€62,257
2024 · €121,067-€58,810

Largest movements

2024 to 2025
Assets
  • Receivables within one year -€49,580

    down €49,580 (-44.4%), from €111,646 to €62,066

    of which Other amounts receivable: -€33,040

  • Stocks and contracts -€9,230

    no longer reported in 2025 (was €9,230)

    of which Contracts in progress: -€8,500

Equity and liabilities
  • Profit (loss) carried forward -€87,179

    down €87,179 (-2215.9%), from -€3,934 to -€91,113

  • Tax, wage and social debts +€26,585

    up €26,585 (+423.3%), from €6,280 to €32,865

  • Other debts +€15,000

    up €15,000 (+25.4%), from €59,150 to €74,150

  • Short-term financial debts -€6,844

    down €6,844 (-36.9%), from €18,526 to €11,682

  • Trade debts -€6,372

    down €6,372 (-47.0%), from €13,545 to €7,173

Income statement
  • Staff costs +€30,003

    up €30,003 (+114.9%), from €26,117 to €56,121

  • Gross operating margin -€25,355

    down €25,355 (-83.8%), from €30,267 to €4,913

  • Financial charges +€2,601

    up €2,601 (+71.8%), from €3,621 to €6,222

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 €151
Gross operating margin -€25,355
Staff costs -€30,003
Other operating charges -€259
Other operating items -€29,310
Financial charges -€2,601
Taxes +€197
Result 2025 -€87,179

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 +€6,844
Investment €0
Financing -€6,844
Cash 2024 €25
Net result for the year -€87,179
Stocks and contracts +€9,230
Receivables within one year +€49,580
Trade debts -€6,372
Tax, wage and social debts +€26,585
Other debts +€15,000
Short-term financial debts -€6,844
Cash 2025 €25
Every line side by side 40 lines
Line Code 2024 2025 Change %
Total assets 20/58 €121,067 €62,257 -€58,810 -48.6%
Fixed assets 21/28 €166 €166 = 0.0%
Financial fixed assets 28 €166 €166 = 0.0%
Current assets 29/58 €120,901 €62,091 -€58,810 -48.6%
Stocks and contracts in progress 3 €9,230 - -€9,230
Stocks 30/36 €730 - -€730
Contracts in progress 37 €8,500 - -€8,500
Amounts receivable within one year 40/41 €111,646 €62,066 -€49,580 -44.4%
Trade receivables 40 €50,328 €33,788 -€16,540 -32.9%
Other amounts receivable 41 €61,318 €28,278 -€33,040 -53.9%
Cash at bank and in hand 54/58 €25 €25 = 0.0%
Total equity and liabilities 10/49 €121,067 €62,257 -€58,810 -48.6%
Equity 10/15 €23,566 -€63,613 -€87,179
Contributions 10/11 €25,000 €25,000 = 0.0%
Capital 10 €25,000 €25,000 = 0.0%
Issued capital 100 €25,000 €25,000 = 0.0%
Reserves 13 €2,500 €2,500 = 0.0%
Non-distributable reserves 130/1 €2,500 €2,500 = 0.0%
Legal reserve 130 €2,500 €2,500 = 0.0%
Profit (loss) carried forward 14 -€3,934 -€91,113 -€87,179 -2215.9%
Amounts payable 17/49 €97,501 €125,870 +€28,369 +29.1%
Amounts payable within one year 42/48 €97,501 €125,870 +€28,369 +29.1%
Financial debts 43 €18,526 €11,682 -€6,844 -36.9%
Credit institutions 430/8 €18,526 €11,682 -€6,844 -36.9%
Trade debts 44 €13,545 €7,173 -€6,372 -47.0%
Suppliers 440/4 €13,545 €7,173 -€6,372 -47.0%
Taxes, remuneration and social security 45 €6,280 €32,865 +€26,585 +423.3%
Remuneration and social security 454/9 €6,280 €32,865 +€26,585 +423.3%
Other amounts payable 47/48 €59,150 €74,150 +€15,000 +25.4%
Remuneration, social security and pensions 62 €26,117 €56,121 +€30,003 +114.9%
Other operating charges 640/8 - €259 +€259
Non-recurring operating charges 66A - €29,310 +€29,310
Gross operating margin 9900 €30,267 €4,913 -€25,355 -83.8%
Operating profit (loss) 9901 €4,150 -€80,777 -€84,927
Financial charges 65/66B €3,621 €6,222 +€2,601 +71.8%
Recurring financial charges 65 €3,621 €6,222 +€2,601 +71.8%
Profit (loss) for the period before taxes 9903 €529 -€86,998 -€87,527
Income taxes 67/77 €378 €181 -€197 -52.1%
Profit (loss) for the period 9904 €151 -€87,179 -€87,330
Profit (loss) for the period to be appropriated 9905 €151 -€87,179 -€87,330

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 30 September 2026 via checked.be.