CREDHYP: what changed
Two fiscal 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.
CREDHYP
Largest movements
No asset line moved by more than 1% of the balance sheet total.
- Other debts +€2,153
up €2,153 (+11.0%), from €19,560 to €21,713
- Tax, wage and social debts -€1,577
down €1,577 (-11.7%), from €13,463 to €11,886
- Trade debts -€460
down €460 (-6.7%), from €6,813 to €6,353
- Profit (loss) carried forward -€116
down €116 (-0.2%), from -€58,978 to -€59,094
- Purchases and services +€8,129
new in 2022: €8,129
- Gross operating margin +€6,395
up €6,395, from -€6,088 to €307
- Turnover +€6,037
new in 2022: €6,037
- Other operating charges +€261
up €261 (+300.1%), from €87 to €348
From the 2021 result to the 2022 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 2021 and 2022 balance sheets and the 2022 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2021 | 2022 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,317 | €1,318 | +€1 | +0.1% |
| Intangible fixed assets | 21 | €0 | - | = | |
| Tangible fixed assets | 22/27 | €0 | - | = | |
| Current assets | 29/58 | €1,317 | €1,318 | +€1 | +0.1% |
| Cash at bank and in hand | 54/58 | €1,317 | €1,318 | +€1 | +0.1% |
| Total equity and liabilities | 10/49 | €1,317 | €1,318 | +€1 | +0.1% |
| Equity | 10/15 | -€38,518 | -€38,634 | -€116 | -0.3% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Capital | 10 | €18,600 | - | -€18,600 | |
| Issued capital | 100 | €18,600 | - | -€18,600 | |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | - | -€1,860 | |
| Legal reserve | 130 | €1,860 | - | -€1,860 | |
| Distributable reserves | 133 | - | €1,860 | +€1,860 | |
| Profit (loss) carried forward | 14 | -€58,978 | -€59,094 | -€116 | -0.2% |
| Amounts payable | 17/49 | €39,835 | €39,952 | +€117 | +0.3% |
| Amounts payable within one year | 42/48 | €39,835 | €39,952 | +€117 | +0.3% |
| Trade debts | 44 | €6,813 | €6,353 | -€460 | -6.7% |
| Suppliers | 440/4 | €6,813 | €6,353 | -€460 | -6.7% |
| Taxes, remuneration and social security | 45 | €13,463 | €11,886 | -€1,577 | -11.7% |
| Taxes | 450/3 | €13,463 | €11,886 | -€1,577 | -11.7% |
| Other amounts payable | 47/48 | €19,560 | €21,713 | +€2,153 | +11.0% |
| Turnover | 70 | - | €6,037 | +€6,037 | |
| Non-recurring operating income | 76A | - | €2,400 | +€2,400 | |
| Goods, raw materials, services and sundry goods | 60/61 | - | €8,129 | +€8,129 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €0 | - | = | |
| Other operating charges | 640/8 | €87 | €348 | +€261 | +300.1% |
| Gross operating margin | 9900 | -€6,088 | €307 | +€6,395 | |
| Operating profit (loss) | 9901 | -€6,174 | -€40 | +€6,134 | +99.4% |
| Financial charges | 65/66B | €36 | €76 | +€40 | +110.8% |
| Recurring financial charges | 65 | €36 | €76 | +€40 | +110.8% |
| Profit (loss) for the period before taxes | 9903 | -€6,211 | -€116 | +€6,094 | +98.1% |
| Profit (loss) for the period | 9904 | -€6,211 | -€116 | +€6,094 | +98.1% |
| Profit (loss) for the period to be appropriated | 9905 | -€6,211 | -€116 | +€6,094 | +98.1% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2021 and 31 December 2022. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.