Créadm'In: 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.
Créadm'In
Largest movements
- Receivables within one year -€2,188
down €2,188 (-67.5%), from €3,241 to €1,053
of which Trade receivables: -€3,229
- Cash -€1,728
down €1,728 (-87.9%), from €1,966 to €238
mainly Net result for the year (-€4,750) and Trade debts (-€2,351)
- Tangible fixed assets -€443
no longer reported in 2025 (was €443)
- Deferred charges and accrued income -€128
no longer reported in 2025 (was €128)
- Profit (loss) carried forward -€4,750
down €4,750 (-17.3%), from -€27,517 to -€32,267
- Other debts +€2,614
up €2,614 (+13.2%), from €19,857 to €22,471
- Trade debts -€2,351
down €2,351 (-43.7%), from €5,378 to €3,027
- Other operating charges -€6,722
down €6,722 (-94.3%), from €7,132 to €410
- Gross operating margin +€2,689
up €2,689 (+40.3%), from -€6,675 to -€3,986
- Depreciation -€2,387
no longer reported in 2025 (was €2,387)
- Financial charges -€68
down €68 (-52.9%), from €129 to €61
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €5,778 | €1,291 | -€4,487 | -77.7% |
| Fixed assets | 21/28 | €443 | - | -€443 | |
| Tangible fixed assets | 22/27 | €443 | - | -€443 | |
| Furniture and vehicles | 24 | €443 | - | -€443 | |
| Current assets | 29/58 | €5,334 | €1,291 | -€4,044 | -75.8% |
| Amounts receivable within one year | 40/41 | €3,241 | €1,053 | -€2,188 | -67.5% |
| Trade receivables | 40 | €3,229 | - | -€3,229 | |
| Other amounts receivable | 41 | €12 | €1,053 | +€1,041 | +8516.6% |
| Cash at bank and in hand | 54/58 | €1,966 | €238 | -€1,728 | -87.9% |
| Deferred charges and accrued income | 490/1 | €128 | - | -€128 | |
| Total equity and liabilities | 10/49 | €5,778 | €1,291 | -€4,487 | -77.7% |
| Equity | 10/15 | -€19,457 | -€24,207 | -€4,750 | -24.4% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€27,517 | -€32,267 | -€4,750 | -17.3% |
| Amounts payable | 17/49 | €25,235 | €25,498 | +€263 | +1.0% |
| Amounts payable within one year | 42/48 | €25,235 | €25,498 | +€263 | +1.0% |
| Trade debts | 44 | €5,378 | €3,027 | -€2,351 | -43.7% |
| Suppliers | 440/4 | €5,378 | €3,027 | -€2,351 | -43.7% |
| Other amounts payable | 47/48 | €19,857 | €22,471 | +€2,614 | +13.2% |
| Non-recurring operating income | 76A | - | €150 | +€150 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,387 | - | -€2,387 | |
| Other operating charges | 640/8 | €7,132 | €410 | -€6,722 | -94.3% |
| Non-recurring operating charges | 66A | €10,945 | €293 | -€10,651 | -97.3% |
| Gross operating margin | 9900 | -€6,675 | -€3,986 | +€2,689 | +40.3% |
| Operating profit (loss) | 9901 | -€27,139 | -€4,689 | +€22,449 | +82.7% |
| Financial income | 75/76B | €12 | - | -€12 | |
| Recurring financial income | 75 | €12 | - | -€12 | |
| Financial charges | 65/66B | €129 | €61 | -€68 | -52.9% |
| Recurring financial charges | 65 | €129 | €61 | -€68 | -52.9% |
| Profit (loss) for the period before taxes | 9903 | -€27,256 | -€4,750 | +€22,506 | +82.6% |
| Profit (loss) for the period | 9904 | -€27,256 | -€4,750 | +€22,506 | +82.6% |
| Profit (loss) for the period to be appropriated | 9905 | -€27,256 | -€4,750 | +€22,506 | +82.6% |
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 10 October 2026 via checked.be.