CrediBill: 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.
CrediBill
Largest movements
- Cash +€40,303
up €40,303 (+286.7%), from €14,059 to €54,362
mainly Net result for the year (+€115,625) and Receivables within one year (+€26,549)
- Receivables within one year -€26,549
down €26,549 (-32.9%), from €80,576 to €54,027
- Intangible fixed assets -€15,144
down €15,144 (-13.7%), from €110,335 to €95,191
- Deferred charges and accrued income +€8,106
up €8,106 (+399.2%), from €2,030 to €10,137
- Stocks and contracts -€6,000
no longer reported in 2025 (was €6,000)
- Debts after one year -€147,328
down €147,328 (-85.8%), from €171,632 to €24,304
- Profit (loss) carried forward +€91,580
no longer reported in 2025 (was -€91,580)
- Reserves +€24,045
up €24,045 (+1292.7%), from €1,860 to €25,905
of which Distributable reserves: +€24,045
- Trade debts +€22,024
up €22,024 (+58.3%), from €37,749 to €59,773
- Tax, wage and social debts +€13,630
up €13,630 (+432.5%), from €3,151 to €16,781
of which Remuneration and social security: +€11,130
- Gross operating margin +€185,616
up €185,616 (+1015.0%), from €18,288 to €203,904
- Staff costs +€71,007
new in 2025: €71,007
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 | €215,842 | €219,792 | +€3,950 | +1.8% |
| Fixed assets | 21/28 | €113,177 | €101,267 | -€11,910 | -10.5% |
| Intangible fixed assets | 21 | €110,335 | €95,191 | -€15,144 | -13.7% |
| Tangible fixed assets | 22/27 | €2,842 | €5,726 | +€2,884 | +101.5% |
| Furniture and vehicles | 24 | €2,842 | €5,726 | +€2,884 | +101.5% |
| Financial fixed assets | 28 | - | €350 | +€350 | |
| Current assets | 29/58 | €102,665 | €118,525 | +€15,860 | +15.4% |
| Stocks and contracts in progress | 3 | €6,000 | - | -€6,000 | |
| Contracts in progress | 37 | €6,000 | - | -€6,000 | |
| Amounts receivable within one year | 40/41 | €80,576 | €54,027 | -€26,549 | -32.9% |
| Trade receivables | 40 | €80,576 | €54,027 | -€26,549 | -32.9% |
| Cash at bank and in hand | 54/58 | €14,059 | €54,362 | +€40,303 | +286.7% |
| Deferred charges and accrued income | 490/1 | €2,030 | €10,137 | +€8,106 | +399.2% |
| Total equity and liabilities | 10/49 | €215,842 | €219,792 | +€3,950 | +1.8% |
| Equity | 10/15 | €3,280 | €118,905 | +€115,625 | +3525.1% |
| Contributions | 10/11 | €93,000 | €93,000 | = | 0.0% |
| Reserves | 13 | €1,860 | €25,905 | +€24,045 | +1292.7% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | - | €24,045 | +€24,045 | |
| Profit (loss) carried forward | 14 | -€91,580 | - | +€91,580 | |
| Amounts payable | 17/49 | €212,562 | €100,888 | -€111,674 | -52.5% |
| Amounts payable after more than one year | 17 | €171,632 | €24,304 | -€147,328 | -85.8% |
| Other amounts payable | 178/9 | €171,632 | €24,304 | -€147,328 | -85.8% |
| Amounts payable within one year | 42/48 | €40,930 | €76,584 | +€35,654 | +87.1% |
| Trade debts | 44 | €37,749 | €59,773 | +€22,024 | +58.3% |
| Suppliers | 440/4 | €37,749 | €59,773 | +€22,024 | +58.3% |
| Taxes, remuneration and social security | 45 | €3,151 | €16,781 | +€13,630 | +432.5% |
| Taxes | 450/3 | €3,151 | €5,652 | +€2,501 | +79.4% |
| Remuneration and social security | 454/9 | - | €11,130 | +€11,130 | |
| Other amounts payable | 47/48 | €30 | €30 | = | 0.0% |
| Remuneration, social security and pensions | 62 | - | €71,007 | +€71,007 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €16,472 | €17,323 | +€851 | +5.2% |
| Other operating charges | 640/8 | €792 | €400 | -€392 | -49.5% |
| Gross operating margin | 9900 | €18,288 | €203,904 | +€185,616 | +1015.0% |
| Operating profit (loss) | 9901 | €1,024 | €115,174 | +€114,150 | +11150.0% |
| Financial income | 75/76B | €24 | €554 | +€530 | +2214.5% |
| Recurring financial income | 75 | €24 | €554 | +€530 | +2214.5% |
| Financial charges | 65/66B | €75 | €103 | +€28 | +37.0% |
| Recurring financial charges | 65 | €75 | €103 | +€28 | +37.0% |
| Profit (loss) for the period before taxes | 9903 | €972 | €115,625 | +€114,652 | +11790.5% |
| Profit (loss) for the period | 9904 | €972 | €115,625 | +€114,652 | +11790.5% |
| Profit (loss) for the period to be appropriated | 9905 | €972 | €115,625 | +€114,652 | +11790.5% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 2 October 2026 via checked.be.