CREARMONY: 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.
CREARMONY
Largest movements
- Receivables within one year +€11,609
up €11,609 (+698%), from €1,663 to €13,272
of which Trade receivables: +€11,865
- Stocks and contracts -€5,489
no longer reported in 2025 (was €5,489)
- Cash +€2,392
up €2,392 (+10.6%), from €22,530 to €24,922
mainly Stocks and contracts (+€5,489) and Net result for the year (+€4,445)
- Profit (loss) carried forward +€4,445
up €4,445 (+17.4%), from -€25,582 to -€21,137
- Trade debts +€4,066
new in 2025: €4,066
- Gross operating margin +€10,995
up €10,995, from -€4,789 to €6,206
- Write-downs -€2,327
no longer reported in 2025 (was €2,327)
- Other operating charges +€1,106
up €1,106 (+237%), from €467 to €1,573
- Financial charges -€130
down €130 (-40.9%), from €318 to €188
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 | €29,682 | €38,194 | +€8,512 | +28.7% |
| Current assets | 29/58 | €29,682 | €38,194 | +€8,512 | +28.7% |
| Stocks and contracts in progress | 3 | €5,489 | - | -€5,489 | |
| Stocks | 30/36 | €5,489 | - | -€5,489 | |
| Amounts receivable within one year | 40/41 | €1,663 | €13,272 | +€11,609 | +698% |
| Trade receivables | 40 | €540 | €12,405 | +€11,865 | +2,197% |
| Other amounts receivable | 41 | €1,123 | €867 | -€257 | -22.9% |
| Cash at bank and in hand | 54/58 | €22,530 | €24,922 | +€2,392 | +10.6% |
| Total equity and liabilities | 10/49 | €29,682 | €38,194 | +€8,512 | +28.7% |
| Equity | 10/15 | €29,682 | €34,127 | +€4,445 | +15.0% |
| Contributions | 10/11 | €24,789 | €24,789 | = | 0.0% |
| Reserves | 13 | €30,475 | €30,475 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,850 | €1,850 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,850 | €1,850 | = | 0.0% |
| Distributable reserves | 133 | €28,625 | €28,625 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€25,582 | -€21,137 | +€4,445 | +17.4% |
| Amounts payable | 17/49 | - | €4,066 | +€4,066 | |
| Amounts payable within one year | 42/48 | - | €4,066 | +€4,066 | |
| Trade debts | 44 | - | €4,066 | +€4,066 | |
| Suppliers | 440/4 | - | €4,066 | +€4,066 | |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €2,327 | - | -€2,327 | |
| Other operating charges | 640/8 | €467 | €1,573 | +€1,106 | +237% |
| Gross operating margin | 9900 | -€4,789 | €6,206 | +€10,995 | |
| Operating profit (loss) | 9901 | -€7,584 | €4,633 | +€12,217 | |
| Financial charges | 65/66B | €318 | €188 | -€130 | -40.9% |
| Recurring financial charges | 65 | €318 | €188 | -€130 | -40.9% |
| Profit (loss) for the period before taxes | 9903 | -€7,901 | €4,445 | +€12,346 | |
| Profit (loss) for the period | 9904 | -€7,901 | €4,445 | +€12,346 | |
| Profit (loss) for the period to be appropriated | 9905 | -€7,901 | €4,445 | +€12,346 |
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 23 October 2026 via checked.be.