Créditop Conseil: 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.
Créditop Conseil
Largest movements
- Cash +€74,973
up €74,973 (+2,499%), from €3,000 to €77,973
mainly Net result for the year (+€69,495) and Tax, wage and social debts (+€19,041)
- Tangible fixed assets +€6,408
new in 2025: €6,408
- Intangible fixed assets +€5,731
new in 2025: €5,731
- Profit (loss) carried forward +€69,495
up €69,495, from -€1 to €69,495
- Tax, wage and social debts +€19,041
new in 2025: €19,041
- Trade debts -€1,029
no longer reported in 2025 (was €1,029)
- Gross operating margin +€89,202
new in 2025: €89,202
- Taxes +€18,291
new in 2025: €18,291
- Depreciation +€966
up €966 (+172,496%), from €1 to €967
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 | €4,029 | €91,556 | +€87,527 | +2,173% |
| Formation expenses | 20 | €1,029 | €823 | -€206 | -20.0% |
| Fixed assets | 21/28 | - | €12,138 | +€12,138 | |
| Intangible fixed assets | 21 | - | €5,731 | +€5,731 | |
| Tangible fixed assets | 22/27 | - | €6,408 | +€6,408 | |
| Furniture and vehicles | 24 | - | €6,408 | +€6,408 | |
| Current assets | 29/58 | €3,000 | €78,595 | +€75,595 | +2,520% |
| Cash at bank and in hand | 54/58 | €3,000 | €77,973 | +€74,973 | +2,499% |
| Deferred charges and accrued income | 490/1 | - | €622 | +€622 | |
| Total equity and liabilities | 10/49 | €4,029 | €91,556 | +€87,527 | +2,173% |
| Equity | 10/15 | €2,999 | €72,495 | +€69,495 | +2,317% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€1 | €69,495 | +€69,495 | |
| Amounts payable | 17/49 | €1,029 | €19,061 | +€18,032 | +1,752% |
| Amounts payable within one year | 42/48 | €1,029 | €19,061 | +€18,032 | +1,752% |
| Trade debts | 44 | €1,029 | - | -€1,029 | |
| Suppliers | 440/4 | €1,029 | - | -€1,029 | |
| Taxes, remuneration and social security | 45 | - | €19,041 | +€19,041 | |
| Taxes | 450/3 | - | €19,041 | +€19,041 | |
| Other amounts payable | 47/48 | - | €20 | +€20 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1 | €967 | +€966 | +172,496% |
| Other operating charges | 640/8 | - | €405 | +€405 | |
| Gross operating margin | 9900 | - | €89,202 | +€89,202 | |
| Operating profit (loss) | 9901 | -€1 | €87,831 | +€87,831 | |
| Financial charges | 65/66B | - | €44 | +€44 | |
| Recurring financial charges | 65 | - | €44 | +€44 | |
| Profit (loss) for the period before taxes | 9903 | -€1 | €87,787 | +€87,787 | |
| Income taxes | 67/77 | - | €18,291 | +€18,291 | |
| Profit (loss) for the period | 9904 | -€1 | €69,495 | +€69,496 | |
| Profit (loss) for the period to be appropriated | 9905 | -€1 | €69,495 | +€69,496 |
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.