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FDS Construct: 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

FDS Construct

BE 0797.060.975
NACE 68.121, Development of residential building projects
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€15,418
2024 · €9,508+€5,910
Equity
€24,926
2024 · €9,508+€15,418
Cash
€177
2024 · €274,832-€274,655
Balance sheet total
€864,097
2024 · €1.2m-€309,353

Largest movements

2024 to 2025
Assets
  • Cash -€274,655

    down €274,655 (-99.9%), from €274,832 to €177

    mainly Current portion of long-term debt (-€326,676) and Accrued charges and deferred income (-€17,723)

  • Stocks and contracts -€39,316

    down €39,316 (-5.3%), from €735,719 to €696,404

    of which Contracts in progress: -€360,394

Equity and liabilities
  • Current portion of long-term debt -€326,676

    down €326,676 (-65.1%), from €501,880 to €175,203

  • Accrued charges and deferred income -€17,723

    down €17,723 (-86.6%), from €20,454 to €2,731

  • Trade debts +€17,393

    up €17,393 (+23.3%), from €74,708 to €92,101

  • Reserves +€15,418

    up €15,418 (+162.2%), from €9,508 to €24,926

Income statement
  • Financial charges -€20,266

    down €20,266 (-96.5%), from €20,996 to €730

  • Financial income -€7,332

    down €7,332 (-81.8%), from €8,967 to €1,635

  • Gross operating margin -€4,027

    down €4,027 (-14.6%), from €27,552 to €23,525

  • Write-downs +€3,200

    new in 2025: €3,200

  • Depreciation -€2,331

    down €2,331 (-100.0%), from €2,331 to €0

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 €9,508
Gross operating margin -€4,027
Depreciation +€2,331
Write-downs -€3,200
Other operating charges -€1,236
Financial income -€7,332
Financial charges +€20,266
Taxes -€891
Result 2025 €15,418

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 +€55,022
Investment €0
Financing -€329,676
Cash 2024 €274,832
Net result for the year +€15,418
Stocks and contracts +€39,316
Receivables within one year -€4,617
Trade debts +€17,393
Tax, wage and social debts -€1,965
Other debts +€7,200
Accrued charges and deferred income -€17,723
Debts after one year -€3,000
Current portion of long-term debt -€326,676
Cash 2025 €177
Every line side by side 37 lines
Line Code 2024 2025 Change %
Total assets 20/58 €1,173,451 €864,097 -€309,353 -26.4%
Current assets 29/58 €1,173,451 €864,097 -€309,353 -26.4%
Stocks and contracts in progress 3 €735,719 €696,404 -€39,316 -5.3%
Stocks 30/36 - €321,079 +€321,079
Contracts in progress 37 €735,719 €375,325 -€360,394 -49.0%
Amounts receivable within one year 40/41 €162,899 €167,516 +€4,617 +2.8%
Trade receivables 40 €34,167 €23,391 -€10,776 -31.5%
Other amounts receivable 41 €128,732 €144,125 +€15,392 +12.0%
Cash at bank and in hand 54/58 €274,832 €177 -€274,655 -99.9%
Total equity and liabilities 10/49 €1,173,451 €864,097 -€309,353 -26.4%
Equity 10/15 €9,508 €24,926 +€15,418 +162.2%
Reserves 13 €9,508 €24,926 +€15,418 +162.2%
Distributable reserves 133 €9,508 €24,926 +€15,418 +162.2%
Amounts payable 17/49 €1,163,942 €839,171 -€324,772 -27.9%
Amounts payable after more than one year 17 €560,918 €557,918 -€3,000 -0.5%
Financial debts 170/4 €560,918 €557,918 -€3,000 -0.5%
Amounts payable within one year 42/48 €582,570 €278,521 -€304,049 -52.2%
Current portion of amounts payable after more than one year 42 €501,880 €175,203 -€326,676 -65.1%
Trade debts 44 €74,708 €92,101 +€17,393 +23.3%
Suppliers 440/4 €74,708 €92,101 +€17,393 +23.3%
Taxes, remuneration and social security 45 €5,983 €4,017 -€1,965 -32.8%
Taxes 450/3 €5,983 €4,017 -€1,965 -32.8%
Other amounts payable 47/48 - €7,200 +€7,200
Accrued charges and deferred income 492/3 €20,454 €2,731 -€17,723 -86.6%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €2,331 €0 -€2,331 -100.0%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) 631/4 - €3,200 +€3,200
Other operating charges 640/8 €118 €1,354 +€1,236 +1047.5%
Gross operating margin 9900 €27,552 €23,525 -€4,027 -14.6%
Operating profit (loss) 9901 €25,103 €18,971 -€6,132 -24.4%
Financial income 75/76B €8,967 €1,635 -€7,332 -81.8%
Recurring financial income 75 €8,967 €1,635 -€7,332 -81.8%
Financial charges 65/66B €20,996 €730 -€20,266 -96.5%
Recurring financial charges 65 €20,996 €730 -€20,266 -96.5%
Profit (loss) for the period before taxes 9903 €13,074 €19,875 +€6,802 +52.0%
Income taxes 67/77 €3,566 €4,457 +€891 +25.0%
Profit (loss) for the period 9904 €9,508 €15,418 +€5,910 +62.2%
Profit (loss) for the period to be appropriated 9905 €9,508 €15,418 +€5,910 +62.2%

Source: filed annual accounts (NBB), fiscal years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.