CRVB: 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.
CRVB
Largest movements
- Tangible fixed assets -€174,238
down €174,238 (-25.5%), from €684,238 to €510,000
- Debts after one year -€229,011
down €229,011 (-46.9%), from €487,913 to €258,902
- Reserves +€37,500
up €37,500 (+33.5%), from €111,860 to €149,360
- Other debts -€34,538
down €34,538 (-24.3%), from €142,137 to €107,599
- Tax, wage and social debts +€30,611
up €30,611 (+198.5%), from €15,424 to €46,035
- Trade debts +€19,382
up €19,382 (+150.0%), from €12,917 to €32,299
- Gross operating margin +€82,284
up €82,284 (+123.8%), from €66,492 to €148,775
- Other operating charges +€68,728
up €68,728 (+4544.9%), from €1,512 to €70,241
- Taxes +€9,854
up €9,854 (+63.9%), from €15,424 to €25,278
- Depreciation -€5,625
no longer reported in 2025 (was €5,625)
- Financial income +€4,481
new in 2025: €4,481
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 | €897,800 | €722,789 | -€175,010 | -19.5% |
| Fixed assets | 21/28 | €684,238 | €510,000 | -€174,238 | -25.5% |
| Tangible fixed assets | 22/27 | €684,238 | €510,000 | -€174,238 | -25.5% |
| Land and buildings | 22 | €684,238 | €510,000 | -€174,238 | -25.5% |
| Current assets | 29/58 | €213,562 | €212,789 | -€773 | -0.4% |
| Amounts receivable within one year | 40/41 | €207,442 | €208,000 | +€558 | +0.3% |
| Trade receivables | 40 | €75,012 | €100,000 | +€24,988 | +33.3% |
| Other amounts receivable | 41 | €132,430 | €108,000 | -€24,430 | -18.4% |
| Cash at bank and in hand | 54/58 | €5,239 | €4,790 | -€449 | -8.6% |
| Deferred charges and accrued income | 490/1 | €881 | - | -€881 | |
| Total equity and liabilities | 10/49 | €897,800 | €722,789 | -€175,010 | -19.5% |
| Equity | 10/15 | €224,600 | €262,703 | +€38,103 | +17.0% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €111,860 | €149,360 | +€37,500 | +33.5% |
| Distributable reserves | 133 | €111,860 | €149,360 | +€37,500 | +33.5% |
| Profit (loss) carried forward | 14 | €94,140 | €94,743 | +€603 | +0.6% |
| Amounts payable | 17/49 | €673,200 | €460,087 | -€213,113 | -31.7% |
| Amounts payable after more than one year | 17 | €487,913 | €258,902 | -€229,011 | -46.9% |
| Financial debts | 170/4 | €487,913 | €258,902 | -€229,011 | -46.9% |
| Amounts payable within one year | 42/48 | €181,892 | €197,444 | +€15,552 | +8.6% |
| Current portion of amounts payable after more than one year | 42 | €11,413 | €11,511 | +€98 | +0.9% |
| Trade debts | 44 | €12,917 | €32,299 | +€19,382 | +150.0% |
| Suppliers | 440/4 | €12,917 | €32,299 | +€19,382 | +150.0% |
| Taxes, remuneration and social security | 45 | €15,424 | €46,035 | +€30,611 | +198.5% |
| Taxes | 450/3 | €15,424 | €46,035 | +€30,611 | +198.5% |
| Other amounts payable | 47/48 | €142,137 | €107,599 | -€34,538 | -24.3% |
| Accrued charges and deferred income | 492/3 | €3,395 | €3,741 | +€346 | +10.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €5,625 | - | -€5,625 | |
| Other operating charges | 640/8 | €1,512 | €70,241 | +€68,728 | +4544.9% |
| Gross operating margin | 9900 | €66,492 | €148,775 | +€82,284 | +123.8% |
| Operating profit (loss) | 9901 | €59,355 | €78,535 | +€19,180 | +32.3% |
| Financial income | 75/76B | - | €4,481 | +€4,481 | |
| Recurring financial income | 75 | - | €4,481 | +€4,481 | |
| Financial charges | 65/66B | €15,909 | €19,635 | +€3,726 | +23.4% |
| Recurring financial charges | 65 | €15,909 | €19,635 | +€3,726 | +23.4% |
| Profit (loss) for the period before taxes | 9903 | €43,445 | €63,381 | +€19,935 | +45.9% |
| Income taxes | 67/77 | €15,424 | €25,278 | +€9,854 | +63.9% |
| Profit (loss) for the period | 9904 | €28,021 | €38,103 | +€10,082 | +36.0% |
| Profit (loss) for the period to be appropriated | 9905 | €28,021 | €38,103 | +€10,082 | +36.0% |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 9 October 2026 via checked.be.