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EFC IMMO: 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

EFC IMMO

BE 0791.232.760
NACE 64.929, Financial service activities, except insurance and pension funding
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€52,193
2024 · €122,784-€70,591
Equity
€268,694
2024 · €216,501+€52,193
Cash
€32,891
2024 · €7,650+€25,241
Balance sheet total
€880,294
2024 · €640,165+€240,129

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets +€338,712

    up €338,712 (+67.3%), from €503,564 to €842,276

    of which Land and buildings: +€344,725

  • Receivables within one year -€128,664

    down €128,664 (-100.0%), from €128,664 to €0

    of which Trade receivables: -€128,658

  • Cash +€25,241

    up €25,241 (+330.0%), from €7,650 to €32,891

    mainly Debts after one year (+€149,095) and Receivables within one year (+€128,664)

Equity and liabilities
  • Debts after one year +€149,095

    up €149,095 (+58.2%), from €256,255 to €405,351

  • Reserves +€147,694

    new in 2025: €147,694

  • Profit (loss) carried forward -€95,501

    down €95,501 (-100.0%), from €95,501 to €0

  • Other debts -€46,723

    down €46,723 (-49.9%), from €93,643 to €46,920

  • Tax, wage and social debts +€39,416

    up €39,416 (+132.2%), from €29,818 to €69,234

    of which Taxes: +€35,538

Income statement
  • Depreciation +€51,371

    up €51,371 (+345.0%), from €14,890 to €66,261

  • Gross operating margin -€14,298

    down €14,298 (-8.1%), from €175,623 to €161,325

  • Taxes +€2,535

    up €2,535 (+12.3%), from €20,654 to €23,190

From the 2024 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 2024 €122,784
Gross operating margin -€14,298
Depreciation -€51,371
Other operating charges -€1,033
Financial income +€6
Financial charges -€1,361
Taxes -€2,535
Result 2025 €52,193

Cash bridge derived

cash 2024 to 2025

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 +€270,219
Investment -€404,972
Financing +€159,995
Cash 2024 €7,650
Net result for the year +€52,193
Depreciation +€66,261
Receivables within one year +€128,664
Deferred charges and accrued income -€4,840
Trade debts -€56
Tax, wage and social debts +€39,416
Advances received +€30,250
Other debts -€46,723
Accrued charges and deferred income +€5,054
Investment in fixed assets (net) -€404,972
Debts after one year +€149,095
Current portion of long-term debt +€10,900
Cash 2025 €32,891
Every line side by side 43 lines
Line Code 2024 2025 Change %
Total assets 20/58 €640,165 €880,294 +€240,129 +37.5%
Fixed assets 21/28 €503,564 €842,276 +€338,712 +67.3%
Tangible fixed assets 22/27 €503,564 €842,276 +€338,712 +67.3%
Land and buildings 22 €445,179 €789,904 +€344,725 +77.4%
Plant, machinery and equipment 23 €991 €6,268 +€5,277 +532.5%
Furniture and vehicles 24 €57,393 €46,103 -€11,290 -19.7%
Current assets 29/58 €136,601 €38,018 -€98,583 -72.2%
Amounts receivable within one year 40/41 €128,664 €0 -€128,664 -100.0%
Trade receivables 40 €128,658 €0 -€128,658 -100.0%
Other amounts receivable 41 €6 €0 -€6 -100.0%
Cash at bank and in hand 54/58 €7,650 €32,891 +€25,241 +330.0%
Deferred charges and accrued income 490/1 €288 €5,127 +€4,840 +1682.7%
Total equity and liabilities 10/49 €640,165 €880,294 +€240,129 +37.5%
Equity 10/15 €216,501 €268,694 +€52,193 +24.1%
Contributions 10/11 €121,000 €121,000 = 0.0%
Reserves 13 - €147,694 +€147,694
Distributable reserves 133 - €147,694 +€147,694
Profit (loss) carried forward 14 €95,501 €0 -€95,501 -100.0%
Amounts payable 17/49 €423,664 €611,600 +€187,936 +44.4%
Amounts payable after more than one year 17 €256,255 €405,351 +€149,095 +58.2%
Financial debts 170/4 €256,255 €405,351 +€149,095 +58.2%
Amounts payable within one year 42/48 €164,668 €198,455 +€33,786 +20.5%
Current portion of amounts payable after more than one year 42 €35,489 €46,388 +€10,900 +30.7%
Trade debts 44 €5,718 €5,662 -€56 -1.0%
Suppliers 440/4 €5,718 €5,662 -€56 -1.0%
Advances received on contracts in progress 46 €0 €30,250 +€30,250
Taxes, remuneration and social security 45 €29,818 €69,234 +€39,416 +132.2%
Taxes 450/3 €29,818 €65,356 +€35,538 +119.2%
Remuneration and social security 454/9 - €3,877 +€3,877
Other amounts payable 47/48 €93,643 €46,920 -€46,723 -49.9%
Accrued charges and deferred income 492/3 €2,741 €7,795 +€5,054 +184.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €14,890 €66,261 +€51,371 +345.0%
Other operating charges 640/8 €1,891 €2,924 +€1,033 +54.6%
Gross operating margin 9900 €175,623 €161,325 -€14,298 -8.1%
Operating profit (loss) 9901 €158,842 €92,141 -€66,701 -42.0%
Financial income 75/76B €0 €6 +€6 +62600.0%
Recurring financial income 75 €0 €6 +€6 +62600.0%
Financial charges 65/66B €15,404 €16,764 +€1,361 +8.8%
Recurring financial charges 65 €15,404 €16,764 +€1,361 +8.8%
Profit (loss) for the period before taxes 9903 €143,438 €75,383 -€68,055 -47.4%
Income taxes 67/77 €20,654 €23,190 +€2,535 +12.3%
Profit (loss) for the period 9904 €122,784 €52,193 -€70,591 -57.5%
Profit (loss) for the period to be appropriated 9905 €122,784 €52,193 -€70,591 -57.5%

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 29 September 2026 via checked.be.