CREDIMO HOLDING: 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.
What changed
CREDIMO HOLDING
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€2.1m
2024 · €1.8m+€310,438
Equity
€29.6m
2024 · €29.5m+€136,922
Cash
€49,336
2024 · €65,402-€16,066
Balance sheet total
€31.7m
2024 · €31.3m+€421,372
Largest movements
Assets
- Current investments +€425,000
up €425,000 (+73.9%), from €575,000 to €1.0m
Equity and liabilities
No liability line moved by more than 1% of the balance sheet total.
Income statement
No income-statement line moved by more than 1% of the activity.
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.
Result 2024
€1.8m
Other operating charges
-€31
Other operating items
+€527
Financial income
+€309,965
Financial charges
-€23
Result 2025
€2.1m
raises the resultlowers the resultnot broken down further in the accounts
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.
From operations
+€2.4m
Investment
-€437,500
Financing
-€2.0m
Cash 2024
€65,402
From operations (derived)
+€2.4m
Net result for the year
+€2.1m
Smaller working-capital items
+€62
Other debts
+€284,450
Investment (derived)
-€437,500
Investment in fixed assets (net)
-€12,500
Current investments
-€425,000
Financing
-€2.0m
Contributions, distributions and other
-€2.0m
Cash 2025
€49,336
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €31,295,627 | €31,716,998 | +€421,372 | +1.3% |
| Fixed assets | 21/28 | €30,641,558 | €30,654,058 | +€12,500 | 0.0% |
| Financial fixed assets | 28 | €30,641,558 | €30,654,058 | +€12,500 | 0.0% |
| Affiliated companies | 280/1 | €30,641,558 | €30,654,058 | +€12,500 | 0.0% |
| Participating interests | 280 | €30,641,558 | €30,654,058 | +€12,500 | 0.0% |
| Current assets | 29/58 | €654,069 | €1,062,941 | +€408,872 | +62.5% |
| Amounts receivable within one year | 40/41 | €5,853 | €9,361 | +€3,508 | +59.9% |
| Other amounts receivable | 41 | €5,853 | €9,361 | +€3,508 | +59.9% |
| Current investments | 50/53 | €575,000 | €1,000,000 | +€425,000 | +73.9% |
| Other investments | 51/53 | €575,000 | €1,000,000 | +€425,000 | +73.9% |
| Cash at bank and in hand | 54/58 | €65,402 | €49,336 | -€16,066 | -24.6% |
| Deferred charges and accrued income | 490/1 | €7,814 | €4,244 | -€3,570 | -45.7% |
| Total equity and liabilities | 10/49 | €31,295,627 | €31,716,998 | +€421,372 | +1.3% |
| Equity | 10/15 | €29,467,368 | €29,604,290 | +€136,922 | +0.5% |
| Contributions | 10/11 | €28,500,000 | €28,500,000 | = | 0.0% |
| Capital | 10 | €28,500,000 | €28,500,000 | = | 0.0% |
| Issued capital | 100 | €28,500,000 | €28,500,000 | = | 0.0% |
| Reserves | 13 | €966,837 | €1,072,996 | +€106,159 | +11.0% |
| Non-distributable reserves | 130/1 | €939,837 | €1,045,996 | +€106,159 | +11.3% |
| Legal reserve | 130 | €939,837 | €1,045,996 | +€106,159 | +11.3% |
| Distributable reserves | 133 | €27,000 | €27,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €531 | €31,294 | +€30,763 | +5,790% |
| Amounts payable | 17/49 | €1,828,258 | €2,112,708 | +€284,450 | +15.6% |
| Amounts payable within one year | 42/48 | €1,821,250 | €2,105,700 | +€284,450 | +15.6% |
| Other amounts payable | 47/48 | €1,821,250 | €2,105,700 | +€284,450 | +15.6% |
| Accrued charges and deferred income | 492/3 | €7,009 | €7,009 | = | 0.0% |
| Operating charges | 60/66A | €42,270 | €41,774 | -€496 | -1.2% |
| Services and other goods | 61 | €41,247 | €40,721 | -€527 | -1.3% |
| Other operating charges | 640/8 | €1,023 | €1,053 | +€31 | +3.0% |
| Operating profit (loss) | 9901 | -€42,270 | -€41,774 | +€496 | +1.2% |
| Financial income | 75/76B | €1,855,322 | €2,165,287 | +€309,965 | +16.7% |
| Recurring financial income | 75 | €1,855,322 | €2,165,287 | +€309,965 | +16.7% |
| Income from financial fixed assets | 750 | €1,841,163 | €2,148,899 | +€307,736 | +16.7% |
| Income from current assets | 751 | €14,159 | €16,389 | +€2,229 | +15.7% |
| Financial charges | 65/66B | €309 | €331 | +€23 | +7.3% |
| Recurring financial charges | 65 | €309 | €331 | +€23 | +7.3% |
| Other financial charges | 652/9 | €309 | €331 | +€23 | +7.3% |
| Profit (loss) for the period before taxes | 9903 | €1,812,744 | €2,123,182 | +€310,438 | +17.1% |
| Profit (loss) for the period | 9904 | €1,812,744 | €2,123,182 | +€310,438 | +17.1% |
| Profit (loss) for the period to be appropriated | 9905 | €1,812,744 | €2,123,182 | +€310,438 | +17.1% |
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 21 October 2026 via checked.be.