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FOUAD: 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

FOUAD

BE 0816.782.164
NACE 10.712, Artisanal bread and fresh pastry making
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€20,578
2024 · -€21,902+€1,324
Equity
€14,901
2024 · €35,479-€20,578
Cash
€1,021
2024 · €1,922-€901
Balance sheet total
€35,421
2024 · €40,110-€4,688

Largest movements

2024 to 2025
Assets
  • Deferred charges and accrued income -€1,572

    down €1,572 (-86.1%), from €1,826 to €254

  • Tangible fixed assets -€1,311

    down €1,311 (-41.1%), from €3,191 to €1,880

  • Receivables within one year -€1,204

    down €1,204 (-8.4%), from €14,370 to €13,166

    of which Trade receivables: -€2,164

  • Cash -€901

    down €901 (-46.9%), from €1,922 to €1,021

    mainly Net result for the year (-€20,578) and Trade debts (-€3,299)

Equity and liabilities
  • Profit (loss) carried forward -€20,578

    down €20,578, from €5,895 to -€14,683

  • Other debts +€19,041

    up €19,041 (+3064.0%), from €621 to €19,662

  • Trade debts -€3,299

    down €3,299 (-83.7%), from €3,941 to €641

Income statement
  • Financial charges -€869

    down €869 (-36.8%), from €2,364 to €1,495

  • Gross operating margin +€618

    up €618 (+4.0%), from -€15,444 to -€14,826

  • Other operating charges +€163

    up €163 (+6.2%), from €2,635 to €2,798

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 -€21,902
Gross operating margin +€618
Depreciation +€79
Other operating charges -€163
Financial income +€1
Financial charges +€869
Taxes -€79
Result 2025 -€20,578

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 -€901
Investment €0
Financing €0
Cash 2024 €1,922
Net result for the year -€20,578
Depreciation +€1,311
Stocks and contracts -€300
Receivables within one year +€1,204
Deferred charges and accrued income +€1,572
Trade debts -€3,299
Tax, wage and social debts +€148
Other debts +€19,041
Cash 2025 €1,021
Every line side by side 41 lines
Line Code 2024 2025 Change %
Total assets 20/58 €40,110 €35,421 -€4,688 -11.7%
Fixed assets 21/28 €3,191 €1,880 -€1,311 -41.1%
Tangible fixed assets 22/27 €3,191 €1,880 -€1,311 -41.1%
Plant, machinery and equipment 23 €3,191 €1,880 -€1,311 -41.1%
Current assets 29/58 €36,918 €33,541 -€3,377 -9.1%
Stocks and contracts in progress 3 €18,800 €19,100 +€300 +1.6%
Stocks 30/36 €18,800 €19,100 +€300 +1.6%
Amounts receivable within one year 40/41 €14,370 €13,166 -€1,204 -8.4%
Trade receivables 40 €2,164 €0 -€2,164 -100.0%
Other amounts receivable 41 €12,206 €13,166 +€960 +7.9%
Cash at bank and in hand 54/58 €1,922 €1,021 -€901 -46.9%
Deferred charges and accrued income 490/1 €1,826 €254 -€1,572 -86.1%
Total equity and liabilities 10/49 €40,110 €35,421 -€4,688 -11.7%
Equity 10/15 €35,479 €14,901 -€20,578 -58.0%
Contributions 10/11 €17,200 €17,200 = 0.0%
Reserves 13 €12,384 €12,384 = 0.0%
Non-distributable reserves 130/1 €619 €619 = 0.0%
Reserves not available under the articles 1311 €619 €619 = 0.0%
Distributable reserves 133 €11,765 €11,765 = 0.0%
Profit (loss) carried forward 14 €5,895 -€14,683 -€20,578
Amounts payable 17/49 €4,631 €20,520 +€15,889 +343.1%
Amounts payable within one year 42/48 €4,631 €20,520 +€15,889 +343.1%
Trade debts 44 €3,941 €641 -€3,299 -83.7%
Suppliers 440/4 €3,941 €641 -€3,299 -83.7%
Taxes, remuneration and social security 45 €69 €217 +€148 +215.0%
Taxes 450/3 €69 €217 +€148 +215.0%
Other amounts payable 47/48 €621 €19,662 +€19,041 +3064.0%
Remuneration, social security and pensions 62 €0 - =
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €1,390 €1,311 -€79 -5.7%
Other operating charges 640/8 €2,635 €2,798 +€163 +6.2%
Non-recurring operating charges 66A €0 - =
Gross operating margin 9900 -€15,444 -€14,826 +€618 +4.0%
Operating profit (loss) 9901 -€19,469 -€18,935 +€533 +2.7%
Financial income 75/76B €0 €1 +€1 +6600.0%
Recurring financial income 75 €0 €1 +€1 +6600.0%
Financial charges 65/66B €2,364 €1,495 -€869 -36.8%
Recurring financial charges 65 €2,364 €1,495 -€869 -36.8%
Profit (loss) for the period before taxes 9903 -€21,833 -€20,430 +€1,403 +6.4%
Income taxes 67/77 €69 €148 +€79 +115.0%
Profit (loss) for the period 9904 -€21,902 -€20,578 +€1,324 +6.0%
Profit (loss) for the period to be appropriated 9905 -€21,902 -€20,578 +€1,324 +6.0%

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 30 September 2026 via checked.be.