ERGO HOME CONSULT: what changed
What changed
ERGO HOME CONSULT
NACE 41.001, General construction of residential buildings
filed annual accounts (NBB)
Net result for the year
-€177,099
2024 · €18,285-€195,384
Equity
€87,827
2024 · €268,470-€180,643
Cash
€39,576
2024 · €28,867+€10,709
Balance sheet total
€802,289
2024 · €1.0m-€214,654
Largest movements
Assets
- Receivables within one year -€121,250
down €121,250 (-73.6%), from €164,778 to €43,528
of which Trade receivables: -€118,859
- Tangible fixed assets -€65,460
down €65,460 (-15.6%), from €420,736 to €355,276
of which Land and buildings: -€35,250
- Stocks and contracts -€44,562
down €44,562 (-12.8%), from €348,770 to €304,208
- Cash +€10,709
up €10,709 (+37.1%), from €28,867 to €39,576
mainly Receivables within one year (+€121,250) and Advances received (+€84,559)
Equity and liabilities
- Profit (loss) carried forward -€177,099
down €177,099, from €114,025 to -€63,074
- Advances received +€84,559
new in 2025: €84,559
- Debts after one year -€57,173
down €57,173 (-22.1%), from €259,054 to €201,881
- Trade debts -€27,726
down €27,726 (-12.4%), from €223,846 to €196,119
- Current portion of long-term debt -€19,304
down €19,304 (-10.9%), from €176,477 to €157,173
Income statement
- Gross operating margin -€206,242
down €206,242 (-44.4%), from €464,584 to €258,342
- Depreciation -€30,196
down €30,196 (-36.2%), from €83,514 to €53,318
- Staff costs -€9,121
down €9,121 (-2.7%), from €336,736 to €327,615
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
€18,285
Gross operating margin
-€206,242
Staff costs
+€9,121
Depreciation
+€30,196
Other operating charges
-€1,975
Other operating items
-€28,475
Financial income
-€51
Financial charges
+€2,056
Taxes
-€16
Result 2025
-€177,099
raises the resultlowers the resultnot broken down further in the accounts
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
+€78,588
Investment
+€12,142
Financing
-€80,021
Cash 2024
€28,867
From operations (derived)
+€78,588
Net result for the year
-€177,099
Depreciation
+€53,318
Stocks and contracts
+€44,562
Receivables within one year
+€121,250
Deferred charges and accrued income
-€5,909
Trade debts
-€27,726
Tax, wage and social debts
+€833
Advances received
+€84,559
Other debts
-€4,355
Accrued charges and deferred income
-€10,845
Investment (derived)
+€12,142
Investment in fixed assets (net)
+€12,142
Financing
-€80,021
Debts after one year
-€57,173
Current portion of long-term debt
-€19,304
Contributions, distributions and other
-€3,544
Cash 2025
€39,576
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,016,943 | €802,289 | -€214,654 | -21.1% |
| Fixed assets | 21/28 | €471,736 | €406,276 | -€65,460 | -13.9% |
| Tangible fixed assets | 22/27 | €420,736 | €355,276 | -€65,460 | -15.6% |
| Land and buildings | 22 | €360,250 | €325,000 | -€35,250 | -9.8% |
| Plant, machinery and equipment | 23 | €1,315 | €1,355 | +€40 | +3.0% |
| Furniture and vehicles | 24 | €29,218 | €7,606 | -€21,613 | -74.0% |
| Other tangible fixed assets | 26 | - | €21,315 | +€21,315 | |
| Assets under construction and advance payments | 27 | €29,952 | - | -€29,952 | |
| Financial fixed assets | 28 | €51,000 | €51,000 | = | 0.0% |
| Current assets | 29/58 | €545,207 | €396,013 | -€149,194 | -27.4% |
| Stocks and contracts in progress | 3 | €348,770 | €304,208 | -€44,562 | -12.8% |
| Stocks | 30/36 | €348,770 | €304,208 | -€44,562 | -12.8% |
| Amounts receivable within one year | 40/41 | €164,778 | €43,528 | -€121,250 | -73.6% |
| Trade receivables | 40 | €139,592 | €20,734 | -€118,859 | -85.1% |
| Other amounts receivable | 41 | €25,185 | €22,794 | -€2,391 | -9.5% |
| Cash at bank and in hand | 54/58 | €28,867 | €39,576 | +€10,709 | +37.1% |
| Deferred charges and accrued income | 490/1 | €2,792 | €8,701 | +€5,909 | +212% |
| Total equity and liabilities | 10/49 | €1,016,943 | €802,289 | -€214,654 | -21.1% |
| Equity | 10/15 | €268,470 | €87,827 | -€180,643 | -67.3% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €104,311 | €104,311 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Tax-exempt reserves | 132 | €10,000 | €10,000 | = | 0.0% |
| Distributable reserves | 133 | €92,451 | €92,451 | = | 0.0% |
| Profit (loss) carried forward | 14 | €114,025 | -€63,074 | -€177,099 | |
| Investment grants | 15 | €31,534 | €27,990 | -€3,544 | -11.2% |
| Amounts payable | 17/49 | €748,473 | €714,462 | -€34,011 | -4.5% |
| Amounts payable after more than one year | 17 | €259,054 | €201,881 | -€57,173 | -22.1% |
| Financial debts | 170/4 | €259,054 | €201,881 | -€57,173 | -22.1% |
| Amounts payable within one year | 42/48 | €478,574 | €512,582 | +€34,007 | +7.1% |
| Current portion of amounts payable after more than one year | 42 | €176,477 | €157,173 | -€19,304 | -10.9% |
| Trade debts | 44 | €223,846 | €196,119 | -€27,726 | -12.4% |
| Suppliers | 440/4 | €223,846 | €196,119 | -€27,726 | -12.4% |
| Advances received on contracts in progress | 46 | - | €84,559 | +€84,559 | |
| Taxes, remuneration and social security | 45 | €67,413 | €68,246 | +€833 | +1.2% |
| Taxes | 450/3 | €14,031 | €9,489 | -€4,542 | -32.4% |
| Remuneration and social security | 454/9 | €53,382 | €58,758 | +€5,376 | +10.1% |
| Other amounts payable | 47/48 | €10,839 | €6,484 | -€4,355 | -40.2% |
| Accrued charges and deferred income | 492/3 | €10,845 | - | -€10,845 | |
| Remuneration, social security and pensions | 62 | €336,736 | €327,615 | -€9,121 | -2.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €83,514 | €53,318 | -€30,196 | -36.2% |
| Other operating charges | 640/8 | €9,049 | €11,023 | +€1,975 | +21.8% |
| Non-recurring operating charges | 66A | - | €28,475 | +€28,475 | |
| Gross operating margin | 9900 | €464,584 | €258,342 | -€206,242 | -44.4% |
| Operating profit (loss) | 9901 | €35,285 | -€162,089 | -€197,374 | |
| Financial income | 75/76B | €3,751 | €3,701 | -€51 | -1.3% |
| Recurring financial income | 75 | €3,751 | €3,701 | -€51 | -1.3% |
| Financial charges | 65/66B | €19,950 | €17,893 | -€2,056 | -10.3% |
| Recurring financial charges | 65 | €19,950 | €17,893 | -€2,056 | -10.3% |
| Profit (loss) for the period before taxes | 9903 | €19,086 | -€176,281 | -€195,368 | |
| Income taxes | 67/77 | €802 | €817 | +€16 | +2.0% |
| Profit (loss) for the period | 9904 | €18,285 | -€177,099 | -€195,384 | |
| Profit (loss) for the period to be appropriated | 9905 | €18,285 | -€177,099 | -€195,384 |
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 4 November 2026 via checked.be.