creArch: 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.
creArch
Largest movements
- Cash -€14,882
down €14,882 (-22.4%), from €66,484 to €51,602
mainly Contributions, distributions and other (-€45,625) and Other debts (-€42,251)
- Current investments +€12,951
up €12,951 (+4.3%), from €300,375 to €313,326
- Tangible fixed assets -€6,474
down €6,474 (-67.9%), from €9,536 to €3,062
of which Furniture and vehicles: -€5,440
- Other debts -€42,251
down €42,251 (-43.8%), from €96,443 to €54,192
- Reserves +€27,570
up €27,570 (+9.5%), from €288,784 to €316,354
- Taxes +€13,552
up €13,552 (+61.4%), from €22,076 to €35,628
- Gross operating margin +€6,572
up €6,572 (+6.2%), from €106,619 to €113,190
- Financial income +€5,630
up €5,630 (+137%), from €4,125 to €9,755
- Financial charges +€4,307
up €4,307 (+168%), from €2,557 to €6,864
- Depreciation -€1,446
down €1,446 (-18.3%), from €7,920 to €6,474
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 | €395,281 | €382,993 | -€12,288 | -3.1% |
| Fixed assets | 21/28 | €9,536 | €3,062 | -€6,474 | -67.9% |
| Tangible fixed assets | 22/27 | €9,536 | €3,062 | -€6,474 | -67.9% |
| Plant, machinery and equipment | 23 | €1,582 | €1,078 | -€504 | -31.9% |
| Furniture and vehicles | 24 | €7,139 | €1,699 | -€5,440 | -76.2% |
| Other tangible fixed assets | 26 | €814 | €284 | -€530 | -65.1% |
| Current assets | 29/58 | €385,745 | €379,931 | -€5,814 | -1.5% |
| Amounts receivable within one year | 40/41 | €16,859 | €14,244 | -€2,615 | -15.5% |
| Trade receivables | 40 | €16,580 | €7,537 | -€9,043 | -54.5% |
| Other amounts receivable | 41 | €279 | €6,707 | +€6,429 | +2,308% |
| Current investments | 50/53 | €300,375 | €313,326 | +€12,951 | +4.3% |
| Cash at bank and in hand | 54/58 | €66,484 | €51,602 | -€14,882 | -22.4% |
| Deferred charges and accrued income | 490/1 | €2,028 | €758 | -€1,269 | -62.6% |
| Total equity and liabilities | 10/49 | €395,281 | €382,993 | -€12,288 | -3.1% |
| Equity | 10/15 | €294,984 | €322,554 | +€27,570 | +9.3% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €288,784 | €316,354 | +€27,570 | +9.5% |
| Distributable reserves | 133 | €288,784 | €316,354 | +€27,570 | +9.5% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €100,296 | €60,439 | -€39,858 | -39.7% |
| Amounts payable within one year | 42/48 | €100,212 | €60,439 | -€39,774 | -39.7% |
| Trade debts | 44 | €10 | €160 | +€150 | +1,502% |
| Suppliers | 440/4 | €10 | €160 | +€150 | +1,502% |
| Taxes, remuneration and social security | 45 | €3,760 | €6,087 | +€2,327 | +61.9% |
| Taxes | 450/3 | €3,760 | €6,087 | +€2,327 | +61.9% |
| Other amounts payable | 47/48 | €96,443 | €54,192 | -€42,251 | -43.8% |
| Accrued charges and deferred income | 492/3 | €84 | €0 | -€84 | -100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €7,920 | €6,474 | -€1,446 | -18.3% |
| Other operating charges | 640/8 | €534 | €784 | +€251 | +47.0% |
| Gross operating margin | 9900 | €106,619 | €113,190 | +€6,572 | +6.2% |
| Operating profit (loss) | 9901 | €98,165 | €105,932 | +€7,767 | +7.9% |
| Financial income | 75/76B | €4,125 | €9,755 | +€5,630 | +137% |
| Recurring financial income | 75 | €4,125 | €9,755 | +€5,630 | +137% |
| Financial charges | 65/66B | €2,557 | €6,864 | +€4,307 | +168% |
| Recurring financial charges | 65 | €2,557 | €6,864 | +€4,307 | +168% |
| Profit (loss) for the period before taxes | 9903 | €99,732 | €108,823 | +€9,091 | +9.1% |
| Income taxes | 67/77 | €22,076 | €35,628 | +€13,552 | +61.4% |
| Profit (loss) for the period | 9904 | €77,657 | €73,195 | -€4,462 | -5.7% |
| Profit (loss) for the period to be appropriated | 9905 | €77,657 | €73,195 | -€4,462 | -5.7% |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 13 October 2026 via checked.be.