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ECHO BAY: 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

ECHO BAY

BE 0839.710.489
NACE 47.716, Retail sale of clothing and accessories for women, men, children and babies (general range)
fiscal year 2023 against 2025not consecutivefiled annual accounts (NBB)
Net result for the year
-€479,763
2023 · -€198,798-€280,965
Equity
€680,943
2023 · -€839,294+€1.5m
Cash
€104,974
2023 · €55,253+€49,721
Balance sheet total
€2.2m
2023 · €2.1m+€162,412

Largest movements

2023 to 2025
Assets
  • Stocks and contracts +€90,431

    up €90,431 (+5.0%), from €1.8m to €1.9m

  • Cash +€49,721

    up €49,721 (+90.0%), from €55,253 to €104,974

  • Tangible fixed assets +€28,749

    up €28,749 (+14.0%), from €205,722 to €234,471

    of which Other tangible fixed assets: +€26,901

Equity and liabilities
  • Contributions +€2.0m

    up €2.0m (+3252.0%), from €61,500 to €2.1m

  • Trade debts -€750,889

    down €750,889 (-77.0%), from €975,794 to €224,905

  • Other debts -€739,797

    down €739,797 (-51.8%), from €1.4m to €687,766

  • Profit (loss) carried forward -€479,763

    down €479,763 (-52.9%), from -€906,944 to -€1.4m

  • Tax, wage and social debts +€164,568

    up €164,568 (+34.9%), from €472,087 to €636,655

    of which Taxes: +€211,046

Income statement
  • Turnover -€10.9m

    no longer reported in 2025 (was €10.9m)

  • Goods and materials -€6.1m

    no longer reported in 2025 (was €6.1m)

    of which Purchases: -€6.2m

  • Services and other goods -€3.6m

    no longer reported in 2025 (was €3.6m)

  • Gross operating margin +€1.8m

    new in 2025: €1.8m

  • Staff costs +€636,124

    up €636,124 (+45.2%), from €1.4m to €2.0m

From the 2023 result to the 2025 result

effect on the 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 2023 -€198,798
Turnover -€10.9m
Other operating income -€96,555
Goods and materials +€6.1m
Services and other goods +€3.6m
Staff costs -€636,124
Depreciation +€67,207
Write-downs -€129,817
Other operating charges +€14,448
Other operating items +€1.8m
Financial income -€90
Financial charges -€5,018
Taxes -€4,260
Result 2025 -€479,763

Cash bridge derived

cash 2023 to 2025

A cash bridge needs two consecutive fiscal years: one year's result and depreciation cannot explain a change over several years. Pick two years that follow each other.

Every line side by side 66 lines
Line Code 2023 2025 Change %
Total assets 20/58 €2,083,008 €2,245,420 +€162,412 +7.8%
Fixed assets 21/28 €206,556 €235,305 +€28,749 +13.9%
Tangible fixed assets 22/27 €205,722 €234,471 +€28,749 +14.0%
Land and buildings 22 €974 €974 = 0.0%
Plant, machinery and equipment 23 €51,965 €66,159 +€14,194 +27.3%
Furniture and vehicles 24 €27,832 €15,486 -€12,346 -44.4%
Other tangible fixed assets 26 €124,951 €151,852 +€26,901 +21.5%
Financial fixed assets 28 €834 €834 = 0.0%
Other financial fixed assets 284/8 €834 - -€834
Amounts receivable and cash guarantees 285/8 €834 - -€834
Current assets 29/58 €1,876,452 €2,010,115 +€133,663 +7.1%
Amounts receivable after more than one year 29 €4,978 - -€4,978
Other amounts receivable 291 €4,978 - -€4,978
Stocks and contracts in progress 3 €1,814,677 €1,905,108 +€90,431 +5.0%
Stocks 30/36 €1,814,677 €1,905,108 +€90,431 +5.0%
Goods purchased for resale 34 €1,814,677 - -€1.8m
Amounts receivable within one year 40/41 - €33 +€33
Trade receivables 40 - €33 +€33
Cash at bank and in hand 54/58 €55,253 €104,974 +€49,721 +90.0%
Deferred charges and accrued income 490/1 €1,544 - -€1,544
Total equity and liabilities 10/49 €2,083,008 €2,245,420 +€162,412 +7.8%
Equity 10/15 -€839,294 €680,943 +€1.5m
Contributions 10/11 €61,500 €2,061,500 +€2.0m +3252.0%
Capital 10 €61,500 €2,061,500 +€2.0m +3252.0%
Issued capital 100 €61,500 €2,061,500 +€2.0m +3252.0%
Reserves 13 €6,150 €6,150 = 0.0%
Non-distributable reserves 130/1 €6,150 €6,150 = 0.0%
Legal reserve 130 €6,150 €6,150 = 0.0%
Profit (loss) carried forward 14 -€906,944 -€1,386,707 -€479,763 -52.9%
Amounts payable 17/49 €2,922,302 €1,564,477 -€1.4m -46.5%
Amounts payable within one year 42/48 €2,883,803 €1,549,326 -€1.3m -46.3%
Current portion of amounts payable after more than one year 42 €8,359 - -€8,359
Trade debts 44 €975,794 €224,905 -€750,889 -77.0%
Suppliers 440/4 €975,794 €224,905 -€750,889 -77.0%
Taxes, remuneration and social security 45 €472,087 €636,655 +€164,568 +34.9%
Taxes 450/3 €219,869 €430,915 +€211,046 +96.0%
Remuneration and social security 454/9 €252,218 €205,740 -€46,478 -18.4%
Other amounts payable 47/48 €1,427,563 €687,766 -€739,797 -51.8%
Accrued charges and deferred income 492/3 €38,499 €15,151 -€23,348 -60.6%
Operating income 70/76A €11,008,274 - -€11.0m
Turnover 70 €10,911,719 - -€10.9m
Other operating income 74 €96,555 - -€96,555
Non-recurring operating income 76A - €35,143 +€35,143
Operating charges 60/66A €11,193,263 - -€11.2m
Goods for resale, raw materials and consumables 60 €6,053,760 - -€6.1m
Purchases 600/8 €6,180,839 - -€6.2m
Change in stocks: decrease (increase) 609 -€127,079 - +€127,079
Services and other goods 61 €3,574,472 - -€3.6m
Remuneration, social security and pensions 62 €1,406,080 €2,042,204 +€636,124 +45.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €175,866 €108,659 -€67,207 -38.2%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) 631/4 -€106,599 €23,218 +€129,817
Other operating charges 640/8 €89,684 €75,236 -€14,448 -16.1%
Gross operating margin 9900 - €1,792,731 +€1.8m
Operating profit (loss) 9901 -€184,989 -€456,586 -€271,597 -146.8%
Financial income 75/76B €93 €3 -€90 -96.8%
Recurring financial income 75 €93 €3 -€90 -96.8%
Other financial income 752/9 €93 - -€93
Financial charges 65/66B €11,972 €16,990 +€5,018 +41.9%
Recurring financial charges 65 €11,972 €16,990 +€5,018 +41.9%
Debt charges 650 €5,911 - -€5,911
Other financial charges 652/9 €6,061 - -€6,061
Profit (loss) for the period before taxes 9903 -€196,868 -€473,573 -€276,705 -140.6%
Income taxes 67/77 €1,930 €6,190 +€4,260 +220.7%
Taxes 670/3 €1,930 - -€1,930
Profit (loss) for the period 9904 -€198,798 -€479,763 -€280,965 -141.3%
Profit (loss) for the period to be appropriated 9905 -€198,798 -€479,763 -€280,965 -141.3%

Source: filed annual accounts (NBB), fiscal years ended 31 July 2023 and 31 January 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.