creacoach: 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.
creacoach
Largest movements
- Receivables after one year -€281,934
down €281,934 (-62.4%), from €451,961 to €170,027
- Receivables within one year -€22,856
down €22,856 (-72.0%), from €31,727 to €8,871
of which Trade receivables: -€22,852
- Tangible fixed assets -€18,253
down €18,253 (-13.4%), from €136,007 to €117,754
of which Furniture and vehicles: -€11,949
- Cash -€7,519
down €7,519 (-70.9%), from €10,610 to €3,090
mainly Contributions, distributions and other (-€225,547) and Provisions (-€88,800)
- Reserves -€310,200
down €310,200 (-84.5%), from €366,960 to €56,760
of which Tax-exempt reserves: -€355,200
- Provisions -€88,800
down €88,800 (-100%), from €88,800 to €0
- Profit (loss) carried forward +€70,087
up €70,087, from -€69,956 to €131
- Tax, wage and social debts +€29,029
up €29,029 (+778%), from €3,733 to €32,762
- Accrued charges and deferred income -€13,101
down €13,101 (-100%), from €13,101 to €0
- Taxes +€31,180
up €31,180 (+10,948%), from €285 to €31,465
- Financial charges -€2,049
down €2,049 (-34.3%), from €5,978 to €3,929
- Other operating charges -€1,415
down €1,415 (-39.3%), from €3,604 to €2,189
- Depreciation -€952
down €952 (-5.0%), from €19,205 to €18,253
- Gross operating margin -€941
down €941 (-26.5%), from €3,555 to €2,614
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 | €638,911 | €309,722 | -€329,189 | -51.5% |
| Fixed assets | 21/28 | €136,032 | €117,779 | -€18,253 | -13.4% |
| Tangible fixed assets | 22/27 | €136,007 | €117,754 | -€18,253 | -13.4% |
| Land and buildings | 22 | €3,737 | €3,192 | -€545 | -14.6% |
| Plant, machinery and equipment | 23 | €3,806 | €2,614 | -€1,192 | -31.3% |
| Furniture and vehicles | 24 | €114,319 | €102,370 | -€11,949 | -10.5% |
| Other tangible fixed assets | 26 | €14,146 | €9,578 | -€4,568 | -32.3% |
| Financial fixed assets | 28 | €25 | €25 | = | 0.0% |
| Current assets | 29/58 | €502,879 | €191,944 | -€310,935 | -61.8% |
| Amounts receivable after more than one year | 29 | €451,961 | €170,027 | -€281,934 | -62.4% |
| Other amounts receivable | 291 | €451,961 | €170,027 | -€281,934 | -62.4% |
| Amounts receivable within one year | 40/41 | €31,727 | €8,871 | -€22,856 | -72.0% |
| Trade receivables | 40 | €31,724 | €8,871 | -€22,852 | -72.0% |
| Other amounts receivable | 41 | €4 | €0 | -€4 | -100% |
| Cash at bank and in hand | 54/58 | €10,610 | €3,090 | -€7,519 | -70.9% |
| Deferred charges and accrued income | 490/1 | €8,581 | €9,955 | +€1,374 | +16.0% |
| Total equity and liabilities | 10/49 | €638,911 | €309,722 | -€329,189 | -51.5% |
| Equity | 10/15 | €315,604 | €75,491 | -€240,113 | -76.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €366,960 | €56,760 | -€310,200 | -84.5% |
| Tax-exempt reserves | 132 | €365,100 | €9,900 | -€355,200 | -97.3% |
| Distributable reserves | 133 | €1,860 | €46,860 | +€45,000 | +2,419% |
| Profit (loss) carried forward | 14 | -€69,956 | €131 | +€70,087 | |
| Provisions and deferred taxes | 16 | €88,800 | €0 | -€88,800 | -100% |
| Deferred taxes | 168 | €88,800 | €0 | -€88,800 | -100% |
| Amounts payable | 17/49 | €234,507 | €234,232 | -€276 | -0.1% |
| Amounts payable after more than one year | 17 | €138,127 | €129,972 | -€8,155 | -5.9% |
| Financial debts | 170/4 | €138,127 | €129,972 | -€8,155 | -5.9% |
| Amounts payable within one year | 42/48 | €83,279 | €104,260 | +€20,980 | +25.2% |
| Current portion of amounts payable after more than one year | 42 | €12,118 | €8,200 | -€3,917 | -32.3% |
| Financial debts | 43 | €0 | - | = | |
| Credit institutions | 430/8 | €0 | - | = | |
| Trade debts | 44 | €5,058 | €6,347 | +€1,289 | +25.5% |
| Suppliers | 440/4 | €5,058 | €6,347 | +€1,289 | +25.5% |
| Taxes, remuneration and social security | 45 | €3,733 | €32,762 | +€29,029 | +778% |
| Taxes | 450/3 | €3,733 | €32,762 | +€29,029 | +778% |
| Other amounts payable | 47/48 | €62,371 | €56,950 | -€5,421 | -8.7% |
| Accrued charges and deferred income | 492/3 | €13,101 | €0 | -€13,101 | -100% |
| Non-recurring operating income | 76A | €1,441 | €0 | -€1,441 | -100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €19,205 | €18,253 | -€952 | -5.0% |
| Other operating charges | 640/8 | €3,604 | €2,189 | -€1,415 | -39.3% |
| Non-recurring operating charges | 66A | €0 | - | = | |
| Gross operating margin | 9900 | €3,555 | €2,614 | -€941 | -26.5% |
| Operating profit (loss) | 9901 | -€19,254 | -€17,828 | +€1,426 | +7.4% |
| Financial income | 75/76B | €7,157 | €6,243 | -€914 | -12.8% |
| Recurring financial income | 75 | €7,157 | €6,243 | -€914 | -12.8% |
| Financial charges | 65/66B | €5,978 | €3,929 | -€2,049 | -34.3% |
| Recurring financial charges | 65 | €5,978 | €3,929 | -€2,049 | -34.3% |
| Profit (loss) for the period before taxes | 9903 | -€18,075 | -€15,514 | +€2,561 | +14.2% |
| Transfer from deferred taxes | 780 | - | €32,413 | +€32,413 | |
| Income taxes | 67/77 | €285 | €31,465 | +€31,180 | +10,948% |
| Profit (loss) for the period | 9904 | -€18,360 | -€14,566 | +€3,794 | +20.7% |
| Transfer from tax-exempt reserves | 789 | - | €129,653 | +€129,653 | |
| Profit (loss) for the period to be appropriated | 9905 | -€18,360 | €115,087 | +€133,447 |
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 13 October 2026 via checked.be.