CREDI CONSULT: 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.
CREDI CONSULT
Largest movements
- Receivables within one year +€628,235
up €628,235 (+56.3%), from €1.1m to €1.7m
of which Trade receivables: +€628,644
- Tangible fixed assets +€77,573
up €77,573 (+21.2%), from €365,384 to €442,956
of which Land and buildings: +€72,577
- Cash +€46,904
up €46,904 (+67.4%), from €69,599 to €116,503
mainly Net result for the year (+€606,745) and Other debts (+€311,773)
- Other debts +€311,773
up €311,773 (+154.5%), from €201,842 to €513,615
- Accrued charges and deferred income +€224,996
up €224,996 (+36.1%), from €623,097 to €848,092
- Profit (loss) carried forward +€123,845
up €123,845 (+36.3%), from €341,106 to €464,951
- Tax, wage and social debts +€100,244
up €100,244 (+378.3%), from €26,500 to €126,744
of which Taxes: +€55,980
- Debts after one year +€33,280
up €33,280 (+14.7%), from €226,687 to €259,968
- Gross operating margin +€413,510
up €413,510 (+46.3%), from €892,179 to €1.3m
- Taxes +€81,425
up €81,425 (+65.3%), from €124,634 to €206,059
- Staff costs +€79,760
up €79,760 (+25.5%), from €312,529 to €392,289
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 | €1,591,995 | €2,351,864 | +€759,869 | +47.7% |
| Fixed assets | 21/28 | €395,680 | €478,053 | +€82,373 | +20.8% |
| Intangible fixed assets | 21 | €8,397 | €5,997 | -€2,400 | -28.6% |
| Tangible fixed assets | 22/27 | €365,384 | €442,956 | +€77,573 | +21.2% |
| Land and buildings | 22 | €288,828 | €361,405 | +€72,577 | +25.1% |
| Plant, machinery and equipment | 23 | €17,993 | €27,767 | +€9,774 | +54.3% |
| Furniture and vehicles | 24 | €58,563 | €53,785 | -€4,778 | -8.2% |
| Financial fixed assets | 28 | €21,900 | €29,100 | +€7,200 | +32.9% |
| Current assets | 29/58 | €1,196,314 | €1,873,810 | +€677,496 | +56.6% |
| Amounts receivable within one year | 40/41 | €1,115,469 | €1,743,704 | +€628,235 | +56.3% |
| Trade receivables | 40 | €1,106,076 | €1,734,720 | +€628,644 | +56.8% |
| Other amounts receivable | 41 | €9,393 | €8,984 | -€409 | -4.4% |
| Cash at bank and in hand | 54/58 | €69,599 | €116,503 | +€46,904 | +67.4% |
| Deferred charges and accrued income | 490/1 | €11,246 | €13,603 | +€2,357 | +21.0% |
| Total equity and liabilities | 10/49 | €1,591,995 | €2,351,864 | +€759,869 | +47.7% |
| Equity | 10/15 | €374,106 | €497,951 | +€123,845 | +33.1% |
| Contributions | 10/11 | €30,000 | €30,000 | = | 0.0% |
| Reserves | 13 | €3,000 | €3,000 | = | 0.0% |
| Distributable reserves | 133 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €341,106 | €464,951 | +€123,845 | +36.3% |
| Amounts payable | 17/49 | €1,217,888 | €1,853,912 | +€636,024 | +52.2% |
| Amounts payable after more than one year | 17 | €226,687 | €259,968 | +€33,280 | +14.7% |
| Financial debts | 170/4 | €226,687 | €259,968 | +€33,280 | +14.7% |
| Amounts payable within one year | 42/48 | €368,104 | €745,852 | +€377,748 | +102.6% |
| Current portion of amounts payable after more than one year | 42 | €115,448 | €88,097 | -€27,350 | -23.7% |
| Trade debts | 44 | €24,314 | €17,396 | -€6,918 | -28.5% |
| Suppliers | 440/4 | €24,314 | €17,396 | -€6,918 | -28.5% |
| Taxes, remuneration and social security | 45 | €26,500 | €126,744 | +€100,244 | +378.3% |
| Taxes | 450/3 | - | €55,980 | +€55,980 | |
| Remuneration and social security | 454/9 | €26,500 | €70,764 | +€44,264 | +167.0% |
| Other amounts payable | 47/48 | €201,842 | €513,615 | +€311,773 | +154.5% |
| Accrued charges and deferred income | 492/3 | €623,097 | €848,092 | +€224,996 | +36.1% |
| Remuneration, social security and pensions | 62 | €312,529 | €392,289 | +€79,760 | +25.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €78,098 | €81,929 | +€3,831 | +4.9% |
| Other operating charges | 640/8 | €3,635 | €3,103 | -€532 | -14.6% |
| Gross operating margin | 9900 | €892,179 | €1,305,688 | +€413,510 | +46.3% |
| Operating profit (loss) | 9901 | €497,916 | €828,367 | +€330,451 | +66.4% |
| Financial income | 75/76B | €154 | €265 | +€111 | +72.0% |
| Recurring financial income | 75 | €154 | €265 | +€111 | +72.0% |
| Financial charges | 65/66B | €7,663 | €15,828 | +€8,165 | +106.6% |
| Recurring financial charges | 65 | €7,663 | €15,828 | +€8,165 | +106.6% |
| Profit (loss) for the period before taxes | 9903 | €490,408 | €812,804 | +€322,397 | +65.7% |
| Income taxes | 67/77 | €124,634 | €206,059 | +€81,425 | +65.3% |
| Profit (loss) for the period | 9904 | €365,773 | €606,745 | +€240,972 | +65.9% |
| Profit (loss) for the period to be appropriated | 9905 | €365,773 | €606,745 | +€240,972 | +65.9% |
Source: filed annual accounts (NBB), fiscal years ended 31 March 2024 and 31 March 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 3 October 2026 via checked.be.