F & L Housing: 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.
F & L Housing
Largest movements
- Receivables within one year -€50,500
no longer reported in 2025 (was €50,500)
- Other debts -€49,855
down €49,855 (-68.7%), from €72,605 to €22,750
- Profit (loss) carried forward -€646
down €646 (-0.9%), from -€72,105 to -€72,750
- Gross operating margin -€412
down €412 (-362%), from -€114 to -€526
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
Cash or the result is not a separate line in both sets of accounts; the cash flow cannot be derived from them.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €50,500 | - | -€50,500 | |
| Current assets | 29/58 | €50,500 | - | -€50,500 | |
| Amounts receivable within one year | 40/41 | €50,500 | - | -€50,500 | |
| Other amounts receivable | 41 | €50,500 | - | -€50,500 | |
| Total equity and liabilities | 10/49 | €50,500 | - | -€50,500 | |
| Equity | 10/15 | -€22,105 | -€22,750 | -€646 | -2.9% |
| Contributions | 10/11 | €50,000 | €50,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€72,105 | -€72,750 | -€646 | -0.9% |
| Amounts payable | 17/49 | €72,605 | €22,750 | -€49,855 | -68.7% |
| Amounts payable within one year | 42/48 | €72,605 | €22,750 | -€49,855 | -68.7% |
| Other amounts payable | 47/48 | €72,605 | €22,750 | -€49,855 | -68.7% |
| Other operating charges | 640/8 | €118 | €120 | +€2 | +1.7% |
| Gross operating margin | 9900 | -€114 | -€526 | -€412 | -362% |
| Operating profit (loss) | 9901 | -€232 | -€646 | -€414 | -178% |
| Profit (loss) for the period before taxes | 9903 | -€232 | -€646 | -€414 | -178% |
| Profit (loss) for the period | 9904 | -€232 | -€646 | -€414 | -178% |
| Profit (loss) for the period to be appropriated | 9905 | -€232 | -€646 | -€414 | -178% |
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 30 October 2026 via checked.be.