comme chez toi: what changed
What changed
comme chez toi
NACE 68.310, Real estate agency activities
filed annual accounts (NBB)
Net result for the year
€11,584
2024 · €89,721-€78,137
Equity
€304,126
2024 · €292,542+€11,584
Cash
€502,162
2024 · €581,173-€79,011
Balance sheet total
€1.6m
2024 · €1.6m-€308
Largest movements
Assets
- Cash -€79,011
down €79,011 (-13.6%), from €581,173 to €502,162
mainly Debts after one year (-€52,917) and Current investments (-€50,000)
- Current investments +€50,000
new in 2025: €50,000
- Receivables within one year +€29,679
up €29,679 (+15.8%), from €187,878 to €217,557
of which Trade receivables: +€21,551
- Tangible fixed assets -€26,462
down €26,462 (-3.6%), from €731,656 to €705,194
of which Land and buildings: -€21,372
- Deferred charges and accrued income +€25,286
up €25,286 (+17.6%), from €143,291 to €168,577
Equity and liabilities
- Debts after one year -€52,917
down €52,917 (-9.4%), from €565,241 to €512,324
- Debts within one year +€39,188
up €39,188 (+8.6%), from €457,229 to €496,417
of which Tax, wage and social debts: +€26,246
- Accrued charges and deferred income +€29,836
up €29,836 (+9.9%), from €300,985 to €330,821
- Provisions -€28,000
no longer reported in 2025 (was €28,000)
Income statement
- Staff costs +€54,830
up €54,830 (+8.7%), from €633,277 to €688,107
- Purchases and services +€51,914
up €51,914 (+2.0%), from €2.6m to €2.7m
- Gross operating margin -€50,488
down €50,488 (-6.4%), from €791,637 to €741,149
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€89,721
Gross operating margin
-€50,488
Staff costs
-€54,830
Depreciation
-€6,765
Write-downs
+€4,524
Other operating charges
+€1,571
Other operating items
+€28,000
Financial income
+€453
Financial charges
-€470
Taxes
-€132
Result 2025
€11,584
raises the resultlowers the resultnot broken down further in the accounts
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€42,524
Investment
-€68,619
Financing
-€52,917
Cash 2024
€581,173
From operations (derived)
+€42,524
Net result for the year
+€11,584
Depreciation
+€44,881
Receivables within one year
-€29,679
Deferred charges and accrued income
-€25,286
Provisions
-€28,000
Debts within one year
+€39,188
Accrued charges and deferred income
+€29,836
Investment (derived)
-€68,619
Investment in fixed assets (net)
-€18,619
Current investments
-€50,000
Financing
-€52,917
Debts after one year
-€52,917
Cash 2025
€502,162
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,643,997 | €1,643,689 | -€308 | 0.0% |
| Fixed assets | 21/28 | €731,656 | €705,394 | -€26,262 | -3.6% |
| Tangible fixed assets | 22/27 | €731,656 | €705,194 | -€26,462 | -3.6% |
| Land and buildings | 22 | €708,735 | €687,363 | -€21,372 | -3.0% |
| Furniture and vehicles | 24 | €10,477 | €8,746 | -€1,731 | -16.5% |
| Other tangible fixed assets | 26 | €12,444 | €9,084 | -€3,359 | -27.0% |
| Financial fixed assets | 28 | - | €200 | +€200 | |
| Current assets | 29/58 | €912,341 | €938,296 | +€25,954 | +2.8% |
| Amounts receivable within one year | 40/41 | €187,878 | €217,557 | +€29,679 | +15.8% |
| Trade receivables | 40 | €186,930 | €208,481 | +€21,551 | +11.5% |
| Other amounts receivable | 41 | €948 | €9,076 | +€8,129 | +858% |
| Current investments | 50/53 | - | €50,000 | +€50,000 | |
| Cash at bank and in hand | 54/58 | €581,173 | €502,162 | -€79,011 | -13.6% |
| Deferred charges and accrued income | 490/1 | €143,291 | €168,577 | +€25,286 | +17.6% |
| Total equity and liabilities | 10/49 | €1,643,997 | €1,643,689 | -€308 | 0.0% |
| Equity | 10/15 | €292,542 | €304,126 | +€11,584 | +4.0% |
| Reserves | 13 | €153,000 | €163,000 | +€10,000 | +6.5% |
| Profit (loss) carried forward | 14 | €139,542 | €141,126 | +€1,584 | +1.1% |
| Provisions and deferred taxes | 16 | €28,000 | - | -€28,000 | |
| Provisions for liabilities and charges | 160/5 | €28,000 | - | -€28,000 | |
| Other liabilities and charges | 164/5 | €28,000 | - | -€28,000 | |
| Amounts payable | 17/49 | €1,323,455 | €1,339,563 | +€16,108 | +1.2% |
| Amounts payable after more than one year | 17 | €565,241 | €512,324 | -€52,917 | -9.4% |
| Financial debts | 170/4 | €565,241 | €512,324 | -€52,917 | -9.4% |
| Amounts payable within one year | 42/48 | €457,229 | €496,417 | +€39,188 | +8.6% |
| Current portion of amounts payable after more than one year | 42 | €51,249 | €52,917 | +€1,668 | +3.3% |
| Trade debts | 44 | €103,086 | €97,636 | -€5,450 | -5.3% |
| Suppliers | 440/4 | €103,086 | €97,636 | -€5,450 | -5.3% |
| Taxes, remuneration and social security | 45 | €108,325 | €134,571 | +€26,246 | +24.2% |
| Taxes | 450/3 | €30,518 | €34,648 | +€4,130 | +13.5% |
| Remuneration and social security | 454/9 | €77,807 | €99,923 | +€22,116 | +28.4% |
| Accrued charges and deferred income | 492/3 | €300,985 | €330,821 | +€29,836 | +9.9% |
| Turnover | 70 | €2,359,123 | €2,358,506 | -€618 | 0.0% |
| Membership fees, donations, legacies and grants | 73 | €1,057,293 | €1,038,307 | -€18,986 | -1.8% |
| Non-recurring operating income | 76A | - | €21,029 | +€21,029 | |
| Goods, raw materials, services and sundry goods | 60/61 | €2,624,780 | €2,676,694 | +€51,914 | +2.0% |
| Remuneration, social security and pensions | 62 | €633,277 | €688,107 | +€54,830 | +8.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €38,116 | €44,881 | +€6,765 | +17.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €8,735 | €4,211 | -€4,524 | -51.8% |
| Other operating charges | 640/8 | €3,596 | €2,024 | -€1,571 | -43.7% |
| Gross operating margin | 9900 | €791,637 | €741,149 | -€50,488 | -6.4% |
| Operating profit (loss) | 9901 | €107,913 | €29,925 | -€77,988 | -72.3% |
| Financial income | 75/76B | €21 | €474 | +€453 | +2,112% |
| Recurring financial income | 75 | €21 | €474 | +€453 | +2,112% |
| Financial charges | 65/66B | €18,208 | €18,677 | +€470 | +2.6% |
| Recurring financial charges | 65 | €18,208 | €18,677 | +€470 | +2.6% |
| Profit (loss) for the period before taxes | 9903 | €89,727 | €11,722 | -€78,005 | -86.9% |
| Income taxes | 67/77 | €6 | €138 | +€132 | +2,153% |
| Profit (loss) for the period | 9904 | €89,721 | €11,584 | -€78,137 | -87.1% |
| Profit (loss) for the period to be appropriated | 9905 | €89,721 | €11,584 | -€78,137 | -87.1% |
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Compare this company with its sector.Sector benchmark
Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 2 November 2026 via checked.be.