CRYSTAL TRADERS: what changed
Two fiscal 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
CRYSTAL TRADERS
NACE 46.861, Wholesale of diamonds and other precious stones
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€392,339
2024 · €42,460-€434,799
Equity
€3.6m
2024 · €4.0m-€392,339
Cash
€68,129
2024 · €157,925-€89,796
Balance sheet total
€4.5m
2024 · €4.2m+€305,028
Largest movements
Assets
- Receivables within one year +€660,953
up €660,953 (+22.3%), from €3.0m to €3.6m
of which Trade receivables: +€666,336
- Stocks and contracts -€316,951
down €316,951 (-30.1%), from €1.1m to €735,696
- Cash -€89,796
down €89,796 (-56.9%), from €157,925 to €68,129
mainly Receivables within one year (-€660,953) and Net result for the year (-€392,339)
- Receivables after one year +€51,064
new in 2025: €51,064
Equity and liabilities
- Short-term financial debts +€794,630
up €794,630 (+8255.4%), from €9,626 to €804,255
- Reserves -€392,339
down €392,339 (-9.8%), from €4.0m to €3.6m
- Accrued charges and deferred income -€86,977
down €86,977 (-77.9%), from €111,637 to €24,660
Income statement
- Turnover -€2.5m
down €2.5m (-25.6%), from €9.8m to €7.3m
- Goods and materials -€1.7m
down €1.7m (-18.4%), from €9.1m to €7.4m
of which Purchases: -€1.6m
- Financial charges -€191,767
down €191,767 (-89.1%), from €215,130 to €23,363
- Other operating charges -€124,890
down €124,890 (-93.1%), from €134,090 to €9,200
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
€42,460
Turnover
-€2.5m
Goods and materials
+€1.7m
Services and other goods
+€61,343
Staff costs
-€13,813
Depreciation
+€15,038
Other operating charges
+€124,890
Financial income
-€62
Financial charges
+€191,767
Taxes
+€2,984
Result 2025
-€392,339
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.
From operations
-€884,426
Investment
€0
Financing
+€794,630
Cash 2024
€157,925
From operations (derived)
-€884,426
Net result for the year
-€392,339
Receivables after one year
-€51,064
Stocks and contracts
+€316,951
Receivables within one year
-€660,953
Smaller working-capital items
-€1,434
Trade debts
-€2,668
Other debts
-€5,942
Accrued charges and deferred income
-€86,977
Financing
+€794,630
Short-term financial debts
+€794,630
Cash 2025
€68,129
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €4,208,670 | €4,513,698 | +€305,028 | +7.2% |
| Fixed assets | 21/28 | €26,031 | €26,031 | = | 0.0% |
| Tangible fixed assets | 22/27 | €25,631 | €25,631 | = | 0.0% |
| Land and buildings | 22 | €25,631 | €25,631 | = | 0.0% |
| Financial fixed assets | 28 | €400 | €400 | = | 0.0% |
| Other financial fixed assets | 284/8 | €400 | €400 | = | 0.0% |
| Amounts receivable and cash guarantees | 285/8 | €400 | €400 | = | 0.0% |
| Current assets | 29/58 | €4,182,639 | €4,487,667 | +€305,028 | +7.3% |
| Amounts receivable after more than one year | 29 | - | €51,064 | +€51,064 | |
| Other amounts receivable | 291 | - | €51,064 | +€51,064 | |
| Stocks and contracts in progress | 3 | €1,052,647 | €735,696 | -€316,951 | -30.1% |
| Stocks | 30/36 | €1,052,647 | €735,696 | -€316,951 | -30.1% |
| Goods purchased for resale | 34 | €1,052,647 | €735,696 | -€316,951 | -30.1% |
| Amounts receivable within one year | 40/41 | €2,969,156 | €3,630,109 | +€660,953 | +22.3% |
| Trade receivables | 40 | €2,957,702 | €3,624,038 | +€666,336 | +22.5% |
| Other amounts receivable | 41 | €11,453 | €6,071 | -€5,382 | -47.0% |
| Cash at bank and in hand | 54/58 | €157,925 | €68,129 | -€89,796 | -56.9% |
| Deferred charges and accrued income | 490/1 | €2,910 | €2,669 | -€242 | -8.3% |
| Total equity and liabilities | 10/49 | €4,208,670 | €4,513,698 | +€305,028 | +7.2% |
| Equity | 10/15 | €4,009,706 | €3,617,367 | -€392,339 | -9.8% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €3,991,106 | €3,598,767 | -€392,339 | -9.8% |
| Distributable reserves | 133 | €3,991,106 | €3,598,767 | -€392,339 | -9.8% |
| Amounts payable | 17/49 | €198,964 | €896,331 | +€697,367 | +350.5% |
| Amounts payable within one year | 42/48 | €87,327 | €871,672 | +€784,345 | +898.2% |
| Financial debts | 43 | €9,626 | €804,255 | +€794,630 | +8255.4% |
| Credit institutions | 430/8 | €9,626 | €804,255 | +€794,630 | +8255.4% |
| Trade debts | 44 | €10,171 | €7,503 | -€2,668 | -26.2% |
| Suppliers | 440/4 | €10,171 | €7,503 | -€2,668 | -26.2% |
| Taxes, remuneration and social security | 45 | €16,232 | €14,556 | -€1,676 | -10.3% |
| Taxes | 450/3 | €5,353 | €8,511 | +€3,158 | +59.0% |
| Remuneration and social security | 454/9 | €10,879 | €6,045 | -€4,833 | -44.4% |
| Other amounts payable | 47/48 | €51,299 | €45,357 | -€5,942 | -11.6% |
| Accrued charges and deferred income | 492/3 | €111,637 | €24,660 | -€86,977 | -77.9% |
| Operating income | 70/76A | €9,756,682 | €7,257,688 | -€2.5m | -25.6% |
| Turnover | 70 | €9,756,310 | €7,257,316 | -€2.5m | -25.6% |
| Other operating income | 74 | €372 | €372 | = | 0.0% |
| Operating charges | 60/66A | €9,482,873 | €7,613,366 | -€1.9m | -19.7% |
| Goods for resale, raw materials and consumables | 60 | €9,120,907 | €7,438,858 | -€1.7m | -18.4% |
| Purchases | 600/8 | €8,678,950 | €7,121,907 | -€1.6m | -17.9% |
| Change in stocks: decrease (increase) | 609 | €441,957 | €316,951 | -€125,006 | -28.3% |
| Services and other goods | 61 | €173,807 | €112,464 | -€61,343 | -35.3% |
| Remuneration, social security and pensions | 62 | €39,031 | €52,844 | +€13,813 | +35.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €15,038 | - | -€15,038 | |
| Other operating charges | 640/8 | €134,090 | €9,200 | -€124,890 | -93.1% |
| Operating profit (loss) | 9901 | €273,809 | -€355,678 | -€629,486 | |
| Financial income | 75/76B | €62 | - | -€62 | |
| Recurring financial income | 75 | €62 | - | -€62 | |
| Other financial income | 752/9 | €62 | - | -€62 | |
| Financial charges | 65/66B | €215,130 | €23,363 | -€191,767 | -89.1% |
| Recurring financial charges | 65 | €215,130 | €23,363 | -€191,767 | -89.1% |
| Debt charges | 650 | €206,979 | €14,546 | -€192,433 | -93.0% |
| Other financial charges | 652/9 | €8,150 | €8,817 | +€666 | +8.2% |
| Profit (loss) for the period before taxes | 9903 | €58,741 | -€379,041 | -€437,782 | |
| Income taxes | 67/77 | €16,282 | €13,298 | -€2,984 | -18.3% |
| Taxes | 670/3 | €16,285 | €13,300 | -€2,985 | -18.3% |
| Tax adjustments and reversals of tax provisions | 77 | €3 | €2 | -€1 | -42.3% |
| Profit (loss) for the period | 9904 | €42,460 | -€392,339 | -€434,799 | |
| Profit (loss) for the period to be appropriated | 9905 | €42,460 | -€392,339 | -€434,799 |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 4 October 2026 via checked.be.