DZI: what changed
What changed
DZI
NACE 43.410, Roofing work
filed annual accounts (NBB)
Net result for the year
-€10,447
2024 · €45,890-€56,337
Equity
€202,641
2024 · €213,088-€10,447
Cash
€38,028
2024 · €46,225-€8,197
Balance sheet total
€788,766
2024 · €711,377+€77,389
Largest movements
Assets
- Receivables within one year +€39,542
up €39,542 (+17.4%), from €226,723 to €266,265
of which Other amounts receivable: +€60,222
- Stocks and contracts +€33,865
up €33,865 (+63.3%), from €53,500 to €87,365
- Tangible fixed assets +€14,322
up €14,322 (+4.0%), from €358,253 to €372,576
of which Furniture and vehicles: +€51,857
- Cash -€8,197
down €8,197 (-17.7%), from €46,225 to €38,028
mainly Investment in fixed assets (net) (-€100,923) and Accrued charges and deferred income (-€42,992)
Equity and liabilities
- Accrued charges and deferred income -€42,992
down €42,992 (-89.0%), from €48,294 to €5,301
- Debts after one year +€42,948
up €42,948 (+21.4%), from €200,952 to €243,900
- Trade debts +€39,870
up €39,870 (+44.9%), from €88,735 to €128,606
- Current portion of long-term debt +€30,333
up €30,333 (+44.6%), from €68,048 to €98,381
- Short-term financial debts +€30,073
up €30,073 (+55.6%), from €54,053 to €84,126
of which Credit institutions: +€30,008
Income statement
- Gross operating margin -€54,589
down €54,589 (-8.9%), from €613,786 to €559,196
- Taxes -€19,060
down €19,060 (-100%), from €19,060 to €0
- Depreciation +€14,652
up €14,652 (+20.1%), from €72,996 to €87,647
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€45,890
Gross operating margin
-€54,589
Staff costs
-€3,804
Depreciation
-€14,652
Other operating charges
-€1,114
Financial income
-€1,597
Financial charges
+€359
Taxes
+€19,060
Result 2025
-€10,447
raises the resultlowers the result
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
-€10,629
Investment
-€100,923
Financing
+€103,354
Cash 2024
€46,225
From operations (derived)
-€10,629
Net result for the year
-€10,447
Depreciation
+€87,647
Stocks and contracts
-€33,865
Receivables within one year
-€39,542
Deferred charges and accrued income
+€1,096
Provisions
-€1,078
Trade debts
+€39,870
Tax, wage and social debts
-€11,319
Accrued charges and deferred income
-€42,992
Investment (derived)
-€100,923
Investment in fixed assets (net)
-€100,923
Financing
+€103,354
Debts after one year
+€42,948
Current portion of long-term debt
+€30,333
Short-term financial debts
+€30,073
Cash 2025
€38,028
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €711,377 | €788,766 | +€77,389 | +10.9% |
| Fixed assets | 21/28 | €367,893 | €381,169 | +€13,276 | +3.6% |
| Intangible fixed assets | 21 | €2,790 | €1,743 | -€1,047 | -37.5% |
| Tangible fixed assets | 22/27 | €358,253 | €372,576 | +€14,322 | +4.0% |
| Land and buildings | 22 | €29,654 | €25,716 | -€3,937 | -13.3% |
| Plant, machinery and equipment | 23 | €260,057 | €226,460 | -€33,598 | -12.9% |
| Furniture and vehicles | 24 | €68,542 | €120,400 | +€51,857 | +75.7% |
| Financial fixed assets | 28 | €6,850 | €6,850 | = | 0.0% |
| Current assets | 29/58 | €343,484 | €407,598 | +€64,114 | +18.7% |
| Stocks and contracts in progress | 3 | €53,500 | €87,365 | +€33,865 | +63.3% |
| Stocks | 30/36 | €53,500 | €87,365 | +€33,865 | +63.3% |
| Amounts receivable within one year | 40/41 | €226,723 | €266,265 | +€39,542 | +17.4% |
| Trade receivables | 40 | €121,518 | €100,838 | -€20,680 | -17.0% |
| Other amounts receivable | 41 | €105,205 | €165,427 | +€60,222 | +57.2% |
| Cash at bank and in hand | 54/58 | €46,225 | €38,028 | -€8,197 | -17.7% |
| Deferred charges and accrued income | 490/1 | €17,036 | €15,940 | -€1,096 | -6.4% |
| Total equity and liabilities | 10/49 | €711,377 | €788,766 | +€77,389 | +10.9% |
| Equity | 10/15 | €213,088 | €202,641 | -€10,447 | -4.9% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €206,888 | €196,441 | -€10,447 | -5.0% |
| Non-distributable reserves | 130/1 | €0 | - | = | |
| Reserves not available under the articles | 1311 | €0 | - | = | |
| Tax-exempt reserves | 132 | €16,571 | €13,338 | -€3,233 | -19.5% |
| Distributable reserves | 133 | €190,316 | €183,103 | -€7,214 | -3.8% |
| Provisions and deferred taxes | 16 | €5,524 | €4,446 | -€1,078 | -19.5% |
| Deferred taxes | 168 | €5,524 | €4,446 | -€1,078 | -19.5% |
| Amounts payable | 17/49 | €492,766 | €581,679 | +€88,914 | +18.0% |
| Amounts payable after more than one year | 17 | €200,952 | €243,900 | +€42,948 | +21.4% |
| Financial debts | 170/4 | €200,952 | €243,900 | +€42,948 | +21.4% |
| Amounts payable within one year | 42/48 | €243,520 | €332,478 | +€88,958 | +36.5% |
| Current portion of amounts payable after more than one year | 42 | €68,048 | €98,381 | +€30,333 | +44.6% |
| Financial debts | 43 | €54,053 | €84,126 | +€30,073 | +55.6% |
| Credit institutions | 430/8 | €50,006 | €80,014 | +€30,008 | +60.0% |
| Other loans | 439 | €4,047 | €4,112 | +€65 | +1.6% |
| Trade debts | 44 | €88,735 | €128,606 | +€39,870 | +44.9% |
| Suppliers | 440/4 | €88,735 | €128,606 | +€39,870 | +44.9% |
| Taxes, remuneration and social security | 45 | €32,683 | €21,365 | -€11,319 | -34.6% |
| Taxes | 450/3 | €750 | €1,465 | +€715 | +95.3% |
| Remuneration and social security | 454/9 | €31,933 | €19,900 | -€12,034 | -37.7% |
| Accrued charges and deferred income | 492/3 | €48,294 | €5,301 | -€42,992 | -89.0% |
| Non-recurring operating income | 76A | €19,000 | €0 | -€19,000 | -100% |
| Remuneration, social security and pensions | 62 | €467,587 | €471,391 | +€3,804 | +0.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €72,996 | €87,647 | +€14,652 | +20.1% |
| Other operating charges | 640/8 | €4,624 | €5,738 | +€1,114 | +24.1% |
| Gross operating margin | 9900 | €613,786 | €559,196 | -€54,589 | -8.9% |
| Operating profit (loss) | 9901 | €68,579 | -€5,581 | -€74,160 | |
| Financial income | 75/76B | €8,508 | €6,911 | -€1,597 | -18.8% |
| Recurring financial income | 75 | €8,508 | €6,911 | -€1,597 | -18.8% |
| Financial charges | 65/66B | €13,214 | €12,855 | -€359 | -2.7% |
| Recurring financial charges | 65 | €13,214 | €12,855 | -€359 | -2.7% |
| Profit (loss) for the period before taxes | 9903 | €63,873 | -€11,525 | -€75,397 | |
| Transfer from deferred taxes | 780 | €1,078 | €1,078 | = | 0.0% |
| Transfer to deferred taxes | 680 | €0 | - | = | |
| Income taxes | 67/77 | €19,060 | €0 | -€19,060 | -100% |
| Profit (loss) for the period | 9904 | €45,890 | -€10,447 | -€56,337 | |
| Transfer from tax-exempt reserves | 789 | €3,233 | €3,233 | = | 0.0% |
| Transfer to tax-exempt reserves | 689 | €0 | - | = | |
| Profit (loss) for the period to be appropriated | 9905 | €49,123 | -€7,214 | -€56,337 |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 5 November 2026 via checked.be.