EXCLUSIVE CAR PROTECTIONS: what changed
Two financial 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.
EXCLUSIVE CAR PROTECTIONS
Largest movements
- Tangible fixed assets -€24,817
down €24,817 (-23.2%), from €107,015 to €82,199
of which Leasing and similar rights: -€24,176
- Receivables within one year -€22,080
down €22,080 (-63.3%), from €34,860 to €12,780
- Cash -€3,048
down €3,048 (-34.7%), from €8,781 to €5,733
mainly Debts after one year (-€19,644) and Net result for the year (-€16,069)
- Debts after one year -€19,644
down €19,644 (-27.0%), from €72,719 to €53,075
- Profit (loss) carried forward -€16,069
down €16,069, from €4,924 to -€11,145
- Other debts -€12,550
down €12,550 (-45.8%), from €27,379 to €14,828
- Trade debts -€7,313
down €7,313 (-48.7%), from €15,018 to €7,705
- Tax, wage and social debts +€5,511
up €5,511 (+66.1%), from €8,331 to €13,841
of which Taxes: +€2,811
- Turnover -€174,992
no longer reported in 2025 (was €174,992)
- Purchases and services -€147,638
no longer reported in 2025 (was €147,638)
- Gross operating margin -€10,986
down €10,986 (-40.2%), from €27,354 to €16,368
- Depreciation +€8,331
up €8,331 (+49.1%), from €16,962 to €25,293
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.
Derived cash bridge
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 | €150,990 | €101,949 | -€49,041 | -32.5% |
| Fixed assets | 21/28 | €107,015 | €82,199 | -€24,817 | -23.2% |
| Tangible fixed assets | 22/27 | €107,015 | €82,199 | -€24,817 | -23.2% |
| Plant, machinery and equipment | 23 | €842 | €791 | -€50 | -6.0% |
| Furniture and vehicles | 24 | €1,938 | €1,348 | -€590 | -30.4% |
| Leasing and similar rights | 25 | €104,236 | €80,060 | -€24,176 | -23.2% |
| Current assets | 29/58 | €43,975 | €19,750 | -€24,225 | -55.1% |
| Amounts receivable within one year | 40/41 | €34,860 | €12,780 | -€22,080 | -63.3% |
| Trade receivables | 40 | €34,860 | €12,780 | -€22,080 | -63.3% |
| Cash at bank and in hand | 54/58 | €8,781 | €5,733 | -€3,048 | -34.7% |
| Deferred charges and accrued income | 490/1 | €334 | €1,237 | +€904 | +271% |
| Total equity and liabilities | 10/49 | €150,990 | €101,949 | -€49,041 | -32.5% |
| Equity | 10/15 | €8,924 | -€7,145 | -€16,069 | |
| Contributions | 10/11 | €4,000 | €4,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €4,924 | -€11,145 | -€16,069 | |
| Amounts payable | 17/49 | €142,067 | €109,094 | -€32,973 | -23.2% |
| Amounts payable after more than one year | 17 | €72,719 | €53,075 | -€19,644 | -27.0% |
| Financial debts | 170/4 | €72,719 | €53,075 | -€19,644 | -27.0% |
| Amounts payable within one year | 42/48 | €69,348 | €56,019 | -€13,329 | -19.2% |
| Current portion of amounts payable after more than one year | 42 | €18,620 | €19,644 | +€1,024 | +5.5% |
| Trade debts | 44 | €15,018 | €7,705 | -€7,313 | -48.7% |
| Suppliers | 440/4 | €15,018 | €7,705 | -€7,313 | -48.7% |
| Taxes, remuneration and social security | 45 | €8,331 | €13,841 | +€5,511 | +66.1% |
| Taxes | 450/3 | €8,331 | €11,141 | +€2,811 | +33.7% |
| Remuneration and social security | 454/9 | - | €2,700 | +€2,700 | |
| Other amounts payable | 47/48 | €27,379 | €14,828 | -€12,550 | -45.8% |
| Turnover | 70 | €174,992 | - | -€174,992 | |
| Goods, raw materials, services and sundry goods | 60/61 | €147,638 | - | -€147,638 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €16,962 | €25,293 | +€8,331 | +49.1% |
| Other operating charges | 640/8 | - | €752 | +€752 | |
| Non-recurring operating charges | 66A | - | €1,638 | +€1,638 | |
| Gross operating margin | 9900 | €27,354 | €16,368 | -€10,986 | -40.2% |
| Operating profit (loss) | 9901 | €10,392 | -€11,315 | -€21,707 | |
| Financial income | 75/76B | €10 | - | -€10 | |
| Recurring financial income | 75 | €10 | - | -€10 | |
| Financial charges | 65/66B | €4,065 | €4,753 | +€688 | +16.9% |
| Recurring financial charges | 65 | €4,065 | €4,753 | +€688 | +16.9% |
| Profit (loss) for the period before taxes | 9903 | €6,337 | -€16,069 | -€22,406 | |
| Income taxes | 67/77 | €1,413 | - | -€1,413 | |
| Profit (loss) for the period | 9904 | €4,924 | -€16,069 | -€20,992 | |
| Profit (loss) for the period to be appropriated | 9905 | €4,924 | -€16,069 | -€20,992 |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 1 November 2026 via checked.be.