EURO SAVING: 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.
EURO SAVING
Largest movements
- Receivables within one year -€13,995
down €13,995 (-91.4%), from €15,312 to €1,317
- Stocks and contracts +€8,230
up €8,230 (+52.7%), from €15,610 to €23,840
- Cash +€409
up €409 (+12.5%), from €3,257 to €3,666
mainly Receivables within one year (+€13,995) and Other debts (+€8,506)
- Trade debts -€15,164
down €15,164 (-89.6%), from €16,920 to €1,756
- Other debts +€8,506
up €8,506 (+67.8%), from €12,552 to €21,058
- Tax, wage and social debts +€2,464
up €2,464 (+22.3%), from €11,033 to €13,497
of which Taxes: +€4,746
- Profit (loss) carried forward -€1,162
down €1,162 (-6.2%), from -€18,726 to -€19,888
- Staff costs +€32,379
up €32,379, from €0 to €32,379
- Gross operating margin +€25,973
up €25,973 (+306.1%), from €8,486 to €34,459
- Other operating charges -€2,100
down €2,100 (-47.1%), from €4,455 to €2,355
- Taxes -€1,149
down €1,149 (-100.0%), from €1,149 to €0
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €34,180 | €28,823 | -€5,357 | -15.7% |
| Current assets | 29/58 | €34,180 | €28,823 | -€5,357 | -15.7% |
| Stocks and contracts in progress | 3 | €15,610 | €23,840 | +€8,230 | +52.7% |
| Stocks | 30/36 | €15,610 | €23,840 | +€8,230 | +52.7% |
| Amounts receivable within one year | 40/41 | €15,312 | €1,317 | -€13,995 | -91.4% |
| Trade receivables | 40 | €15,312 | €1,317 | -€13,995 | -91.4% |
| Cash at bank and in hand | 54/58 | €3,257 | €3,666 | +€409 | +12.5% |
| Total equity and liabilities | 10/49 | €34,180 | €28,823 | -€5,357 | -15.7% |
| Equity | 10/15 | -€6,326 | -€7,488 | -€1,162 | -18.4% |
| Contributions | 10/11 | €12,400 | €12,400 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€18,726 | -€19,888 | -€1,162 | -6.2% |
| Amounts payable | 17/49 | €40,506 | €36,311 | -€4,194 | -10.4% |
| Amounts payable within one year | 42/48 | €40,506 | €36,311 | -€4,194 | -10.4% |
| Trade debts | 44 | €16,920 | €1,756 | -€15,164 | -89.6% |
| Suppliers | 440/4 | €16,920 | €1,756 | -€15,164 | -89.6% |
| Taxes, remuneration and social security | 45 | €11,033 | €13,497 | +€2,464 | +22.3% |
| Taxes | 450/3 | €6,583 | €11,329 | +€4,746 | +72.1% |
| Remuneration and social security | 454/9 | €4,450 | €2,168 | -€2,282 | -51.3% |
| Other amounts payable | 47/48 | €12,552 | €21,058 | +€8,506 | +67.8% |
| Remuneration, social security and pensions | 62 | €0 | €32,379 | +€32,379 | |
| Other operating charges | 640/8 | €4,455 | €2,355 | -€2,100 | -47.1% |
| Gross operating margin | 9900 | €8,486 | €34,459 | +€25,973 | +306.1% |
| Operating profit (loss) | 9901 | €4,031 | -€275 | -€4,305 | |
| Financial income | 75/76B | - | €141 | +€141 | |
| Recurring financial income | 75 | - | €141 | +€141 | |
| Financial charges | 65/66B | €827 | €1,029 | +€201 | +24.4% |
| Recurring financial charges | 65 | €827 | €1,029 | +€201 | +24.4% |
| Profit (loss) for the period before taxes | 9903 | €3,204 | -€1,162 | -€4,366 | |
| Income taxes | 67/77 | €1,149 | €0 | -€1,149 | -100.0% |
| Profit (loss) for the period | 9904 | €2,055 | -€1,162 | -€3,217 | |
| Profit (loss) for the period to be appropriated | 9905 | €2,055 | -€1,162 | -€3,217 |
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 5 October 2026 via checked.be.