Cruver: 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.
Cruver
Largest movements
- Cash +€11,096
up €11,096 (+620%), from €1,788 to €12,884
mainly Accrued charges and deferred income (+€10,262) and Tax, wage and social debts (+€9,956)
- Receivables within one year -€3,846
down €3,846 (-4.2%), from €92,111 to €88,265
of which Other amounts receivable: -€2,114
- Profit (loss) carried forward -€16,466
down €16,466 (-11.1%), from €147,924 to €131,459
- Accrued charges and deferred income +€10,262
up €10,262 (+85.5%), from €12,000 to €22,262
- Tax, wage and social debts +€9,956
up €9,956 (+57.2%), from €17,415 to €27,371
of which Taxes: +€5,689
- Debts after one year +€8,529
up €8,529 (+8.5%), from €100,000 to €108,529
of which Financial debts: +€8,529
- Trade debts -€6,733
down €6,733 (-46.8%), from €14,386 to €7,653
- Gross operating margin +€27,061
up €27,061 (+52.8%), from €51,255 to €78,316
- Other operating charges +€24,984
up €24,984 (+2,582%), from €968 to €25,952
- Taxes +€12,910
new in 2025: €12,910
- Depreciation +€4,550
up €4,550 (+114%), from €3,992 to €8,542
- Financial charges +€3,162
up €3,162 (+76.1%), from €4,155 to €7,316
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 | €352,135 | €357,683 | +€5,548 | +1.6% |
| Fixed assets | 21/28 | €252,424 | €250,432 | -€1,992 | -0.8% |
| Tangible fixed assets | 22/27 | €252,424 | €250,432 | -€1,992 | -0.8% |
| Furniture and vehicles | 24 | €78 | - | -€78 | |
| Other tangible fixed assets | 26 | €252,347 | €250,432 | -€1,915 | -0.8% |
| Current assets | 29/58 | €99,710 | €107,251 | +€7,541 | +7.6% |
| Amounts receivable within one year | 40/41 | €92,111 | €88,265 | -€3,846 | -4.2% |
| Trade receivables | 40 | €89,035 | €87,303 | -€1,732 | -1.9% |
| Other amounts receivable | 41 | €3,076 | €961 | -€2,114 | -68.7% |
| Cash at bank and in hand | 54/58 | €1,788 | €12,884 | +€11,096 | +620% |
| Deferred charges and accrued income | 490/1 | €5,811 | €6,102 | +€291 | +5.0% |
| Total equity and liabilities | 10/49 | €352,135 | €357,683 | +€5,548 | +1.6% |
| Equity | 10/15 | €207,924 | €191,459 | -€16,466 | -7.9% |
| Contributions | 10/11 | €60,000 | €60,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €147,924 | €131,459 | -€16,466 | -11.1% |
| Amounts payable | 17/49 | €144,210 | €166,224 | +€22,014 | +15.3% |
| Amounts payable after more than one year | 17 | €100,000 | €108,529 | +€8,529 | +8.5% |
| Financial debts | 170/4 | - | €8,529 | +€8,529 | |
| Other amounts payable | 178/9 | €100,000 | €100,000 | = | 0.0% |
| Amounts payable within one year | 42/48 | €32,210 | €35,433 | +€3,223 | +10.0% |
| Trade debts | 44 | €14,386 | €7,653 | -€6,733 | -46.8% |
| Suppliers | 440/4 | €14,386 | €7,653 | -€6,733 | -46.8% |
| Taxes, remuneration and social security | 45 | €17,415 | €27,371 | +€9,956 | +57.2% |
| Taxes | 450/3 | €6,947 | €12,635 | +€5,689 | +81.9% |
| Remuneration and social security | 454/9 | €10,468 | €14,735 | +€4,267 | +40.8% |
| Other amounts payable | 47/48 | €409 | €409 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | €12,000 | €22,262 | +€10,262 | +85.5% |
| Remuneration, social security and pensions | 62 | €39,658 | €40,171 | +€513 | +1.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,992 | €8,542 | +€4,550 | +114% |
| Other operating charges | 640/8 | €968 | €25,952 | +€24,984 | +2,582% |
| Gross operating margin | 9900 | €51,255 | €78,316 | +€27,061 | +52.8% |
| Operating profit (loss) | 9901 | €6,637 | €3,651 | -€2,986 | -45.0% |
| Financial income | 75/76B | €213 | €109 | -€104 | -48.7% |
| Recurring financial income | 75 | €213 | €109 | -€104 | -48.7% |
| Financial charges | 65/66B | €4,155 | €7,316 | +€3,162 | +76.1% |
| Recurring financial charges | 65 | €4,155 | €7,316 | +€3,162 | +76.1% |
| Profit (loss) for the period before taxes | 9903 | €2,696 | -€3,556 | -€6,251 | |
| Income taxes | 67/77 | - | €12,910 | +€12,910 | |
| Profit (loss) for the period | 9904 | €2,696 | -€16,466 | -€19,161 | |
| Profit (loss) for the period to be appropriated | 9905 | €2,696 | -€16,466 | -€19,161 |
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 25 October 2026 via checked.be.