creamoda: 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.
creamoda
Largest movements
- Cash -€1.4m
down €1.4m (-84.7%), from €1.7m to €254,899
mainly Current investments (-€1.4m) and Net result for the year (-€121,568)
- Current investments +€1.4m
up €1.4m (+47.6%), from €2.9m to €4.3m
- Tangible fixed assets -€110,069
down €110,069 (-11.1%), from €994,838 to €884,769
of which Leasing and similar rights: -€70,905
- Receivables within one year -€71,658
down €71,658 (-42.8%), from €167,611 to €95,952
of which Other amounts receivable: -€54,501
- Profit (loss) carried forward -€121,568
down €121,568 (-5.8%), from €2.1m to €2.0m
- Gross operating margin -€189,406
down €189,406 (-21.3%), from €888,065 to €698,658
- Financial charges -€80,343
down €80,343 (-68.4%), from €117,390 to €37,047
of which Non-recurring financial charges: -€86,504
- Staff costs +€19,660
up €19,660 (+3.3%), from €595,448 to €615,108
- Other operating charges +€14,171
up €14,171 (+32.6%), from €43,417 to €57,588
- Financial income +€14,010
up €14,010 (+65.3%), from €21,444 to €35,454
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 | €5,785,809 | €5,602,366 | -€183,444 | -3.2% |
| Fixed assets | 21/28 | €996,184 | €900,854 | -€95,330 | -9.6% |
| Intangible fixed assets | 21 | - | €15,741 | +€15,741 | |
| Tangible fixed assets | 22/27 | €994,838 | €884,769 | -€110,069 | -11.1% |
| Plant, machinery and equipment | 23 | - | €2,676 | +€2,676 | |
| Furniture and vehicles | 24 | €61,719 | €41,809 | -€19,910 | -32.3% |
| Leasing and similar rights | 25 | €640,270 | €569,365 | -€70,905 | -11.1% |
| Other tangible fixed assets | 26 | €292,849 | €270,919 | -€21,930 | -7.5% |
| Financial fixed assets | 28 | €1,346 | €344 | -€1,002 | -74.5% |
| Current assets | 29/58 | €4,789,626 | €4,701,512 | -€88,114 | -1.8% |
| Amounts receivable within one year | 40/41 | €167,611 | €95,952 | -€71,658 | -42.8% |
| Trade receivables | 40 | €35,902 | €18,745 | -€17,157 | -47.8% |
| Other amounts receivable | 41 | €131,709 | €77,207 | -€54,501 | -41.4% |
| Current investments | 50/53 | €2,939,222 | €4,337,622 | +€1.4m | +47.6% |
| Cash at bank and in hand | 54/58 | €1,664,012 | €254,899 | -€1.4m | -84.7% |
| Deferred charges and accrued income | 490/1 | €18,780 | €13,039 | -€5,742 | -30.6% |
| Total equity and liabilities | 10/49 | €5,785,809 | €5,602,366 | -€183,444 | -3.2% |
| Equity | 10/15 | €4,176,016 | €4,054,448 | -€121,568 | -2.9% |
| Contributions | 10/11 | €561,940 | €561,940 | = | 0.0% |
| Capital | 10 | €561,940 | €561,940 | = | 0.0% |
| Reserves | 13 | €1,518,542 | €1,518,542 | = | 0.0% |
| Profit (loss) carried forward | 14 | €2,095,534 | €1,973,966 | -€121,568 | -5.8% |
| Amounts payable | 17/49 | €1,609,794 | €1,547,918 | -€61,876 | -3.8% |
| Amounts payable after more than one year | 17 | €1,388,177 | €1,335,081 | -€53,097 | -3.8% |
| Financial debts | 170/4 | €1,388,177 | €1,335,081 | -€53,097 | -3.8% |
| Amounts payable within one year | 42/48 | €207,169 | €194,486 | -€12,683 | -6.1% |
| Current portion of amounts payable after more than one year | 42 | €52,015 | €53,097 | +€1,082 | +2.1% |
| Trade debts | 44 | €64,647 | €45,531 | -€19,116 | -29.6% |
| Suppliers | 440/4 | €64,647 | €45,531 | -€19,116 | -29.6% |
| Taxes, remuneration and social security | 45 | €90,507 | €95,858 | +€5,351 | +5.9% |
| Taxes | 450/3 | €26,636 | €24,881 | -€1,754 | -6.6% |
| Remuneration and social security | 454/9 | €63,871 | €70,976 | +€7,105 | +11.1% |
| Accrued charges and deferred income | 492/3 | €14,447 | €18,352 | +€3,905 | +27.0% |
| Non-recurring operating income | 76A | €41,213 | - | -€41,213 | |
| Remuneration, social security and pensions | 62 | €595,448 | €615,108 | +€19,660 | +3.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €105,119 | €113,584 | +€8,465 | +8.1% |
| Other operating charges | 640/8 | €43,417 | €57,588 | +€14,171 | +32.6% |
| Non-recurring operating charges | 66A | - | €34,325 | +€34,325 | |
| Gross operating margin | 9900 | €888,065 | €698,658 | -€189,406 | -21.3% |
| Operating profit (loss) | 9901 | €144,081 | -€121,946 | -€266,027 | |
| Financial income | 75/76B | €21,444 | €35,454 | +€14,010 | +65.3% |
| Recurring financial income | 75 | €21,444 | €35,454 | +€14,010 | +65.3% |
| Financial charges | 65/66B | €117,390 | €37,047 | -€80,343 | -68.4% |
| Recurring financial charges | 65 | €30,886 | €37,047 | +€6,161 | +19.9% |
| Non-recurring financial charges | 66B | €86,504 | - | -€86,504 | |
| Profit (loss) for the period before taxes | 9903 | €48,135 | -€123,539 | -€171,674 | |
| Income taxes | 67/77 | - | -€1,971 | -€1,971 | |
| Profit (loss) for the period | 9904 | €48,135 | -€121,568 | -€169,703 | |
| Profit (loss) for the period to be appropriated | 9905 | €48,135 | -€121,568 | -€169,703 |
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 26 October 2026 via checked.be.