CREDIM BENELUX: 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.
CREDIM BENELUX
Largest movements
- Cash -€30,899
down €30,899 (-90.7%), from €34,057 to €3,158
mainly Debts after one year (-€29,529) and Net result for the year (-€19,071)
- Tangible fixed assets -€26,053
down €26,053 (-3.5%), from €751,763 to €725,709
- Receivables within one year +€11,415
up €11,415 (+70.8%), from €16,113 to €27,529
of which Trade receivables: +€14,846
- Debts after one year -€29,529
down €29,529 (-15.2%), from €194,226 to €164,697
- Profit (loss) carried forward -€19,071
down €19,071 (-37.0%), from -€51,482 to -€70,553
- Other debts -€9,021
down €9,021 (-2.1%), from €420,886 to €411,865
- Gross operating margin +€15,035
up €15,035 (+150%), from €10,036 to €25,071
- Depreciation -€2,755
down €2,755 (-9.6%), from €28,808 to €26,053
- Financial charges -€632
down €632 (-4.9%), from €12,788 to €12,156
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 | €828,408 | €774,923 | -€53,485 | -6.5% |
| Fixed assets | 21/28 | €769,363 | €743,309 | -€26,053 | -3.4% |
| Tangible fixed assets | 22/27 | €751,763 | €725,709 | -€26,053 | -3.5% |
| Land and buildings | 22 | €751,763 | €725,709 | -€26,053 | -3.5% |
| Financial fixed assets | 28 | €17,600 | €17,600 | = | 0.0% |
| Current assets | 29/58 | €59,046 | €31,614 | -€27,432 | -46.5% |
| Amounts receivable within one year | 40/41 | €16,113 | €27,529 | +€11,415 | +70.8% |
| Trade receivables | 40 | - | €14,846 | +€14,846 | |
| Other amounts receivable | 41 | €16,113 | €12,683 | -€3,430 | -21.3% |
| Cash at bank and in hand | 54/58 | €34,057 | €3,158 | -€30,899 | -90.7% |
| Deferred charges and accrued income | 490/1 | €8,875 | €927 | -€7,948 | -89.6% |
| Total equity and liabilities | 10/49 | €828,408 | €774,923 | -€53,485 | -6.5% |
| Equity | 10/15 | €184,017 | €164,945 | -€19,071 | -10.4% |
| Contributions | 10/11 | €235,499 | €235,499 | = | 0.0% |
| Capital | 10 | €235,499 | €235,499 | = | 0.0% |
| Issued capital | 100 | €235,499 | €235,499 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€51,482 | -€70,553 | -€19,071 | -37.0% |
| Amounts payable | 17/49 | €644,392 | €609,978 | -€34,414 | -5.3% |
| Amounts payable after more than one year | 17 | €194,226 | €164,697 | -€29,529 | -15.2% |
| Financial debts | 170/4 | €194,226 | €164,697 | -€29,529 | -15.2% |
| Amounts payable within one year | 42/48 | €450,166 | €445,281 | -€4,885 | -1.1% |
| Current portion of amounts payable after more than one year | 42 | €28,966 | €29,529 | +€563 | +1.9% |
| Trade debts | 44 | €314 | €3,886 | +€3,572 | +1,138% |
| Suppliers | 440/4 | €314 | €3,886 | +€3,572 | +1,138% |
| Other amounts payable | 47/48 | €420,886 | €411,865 | -€9,021 | -2.1% |
| Remuneration, social security and pensions | 62 | €233 | €300 | +€67 | +28.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €28,808 | €26,053 | -€2,755 | -9.6% |
| Other operating charges | 640/8 | €5,661 | €5,855 | +€194 | +3.4% |
| Gross operating margin | 9900 | €10,036 | €25,071 | +€15,035 | +150% |
| Operating profit (loss) | 9901 | -€24,667 | -€7,138 | +€17,529 | +71.1% |
| Financial income | 75/76B | €113 | €222 | +€109 | +96.0% |
| Recurring financial income | 75 | €113 | €222 | +€109 | +96.0% |
| Financial charges | 65/66B | €12,788 | €12,156 | -€632 | -4.9% |
| Recurring financial charges | 65 | €12,788 | €12,156 | -€632 | -4.9% |
| Profit (loss) for the period before taxes | 9903 | -€37,341 | -€19,071 | +€18,270 | +48.9% |
| Profit (loss) for the period | 9904 | -€37,341 | -€19,071 | +€18,270 | +48.9% |
| Profit (loss) for the period to be appropriated | 9905 | -€37,341 | -€19,071 | +€18,270 | +48.9% |
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 29 October 2026 via checked.be.