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GEMME: 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

GEMME

BE 0760.827.220
NACE 47.770, Retail sale of watches and jewellery
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€20,475
2024 · €6,350-€26,825
Equity
-€5,232
2024 · €15,243-€20,475
Cash
€1,280
2024 · €1,368-€88
Balance sheet total
€247,819
2024 · €273,256-€25,437

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets -€11,735

    down €11,735 (-7.2%), from €162,153 to €150,418

    of which Plant, machinery and equipment: -€10,953

  • Stocks and contracts -€9,266

    down €9,266 (-10.0%), from €92,834 to €83,568

Equity and liabilities
  • Debts after one year +€21,658

    up €21,658 (+22.3%), from €96,910 to €118,568

  • Profit (loss) carried forward -€20,475

    down €20,475 (-103.6%), from -€19,757 to -€40,232

  • Trade debts -€16,672

    down €16,672 (-19.5%), from €85,624 to €68,952

  • Tax, wage and social debts -€14,328

    down €14,328 (-50.0%), from €28,628 to €14,300

    of which Taxes: -€13,009

  • Other debts +€6,416

    up €6,416 (+314.5%), from €2,040 to €8,456

Income statement
  • Gross operating margin -€18,505

    down €18,505 (-35.3%), from €52,403 to €33,898

  • Purchases and services -€17,268

    down €17,268 (-19.5%), from €88,483 to €71,215

  • Turnover -€16,763

    down €16,763 (-13.8%), from €121,876 to €105,113

  • Staff costs +€5,082

    up €5,082 (+23.0%), from €22,136 to €27,218

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 €6,350
Gross operating margin -€18,505
Staff costs -€5,082
Depreciation +€712
Other operating charges +€818
Other operating items -€5,564
Financial charges +€796
Result 2025 -€20,475

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 -€20,298
Investment €0
Financing +€20,210
Cash 2024 €1,368
Net result for the year -€20,475
Depreciation +€12,721
Stocks and contracts +€9,266
Receivables within one year +€1,727
Deferred charges and accrued income +€1,635
Trade debts -€16,672
Tax, wage and social debts -€14,328
Other debts +€6,416
Accrued charges and deferred income -€588
Debts after one year +€21,658
Current portion of long-term debt +€275
Short-term financial debts -€1,723
Cash 2025 €1,280
Every line side by side 47 lines
Line Code 2024 2025 Change %
Total assets 20/58 €273,256 €247,819 -€25,437 -9.3%
Formation expenses 20 €1,802 €816 -€986 -54.7%
Fixed assets 21/28 €162,408 €150,673 -€11,735 -7.2%
Tangible fixed assets 22/27 €162,153 €150,418 -€11,735 -7.2%
Plant, machinery and equipment 23 €157,696 €146,743 -€10,953 -6.9%
Furniture and vehicles 24 €1,557 €775 -€782 -50.2%
Assets under construction and advance payments 27 €2,900 €2,900 = 0.0%
Financial fixed assets 28 €255 €255 = 0.0%
Current assets 29/58 €109,046 €96,330 -€12,716 -11.7%
Stocks and contracts in progress 3 €92,834 €83,568 -€9,266 -10.0%
Stocks 30/36 €92,834 €83,568 -€9,266 -10.0%
Amounts receivable within one year 40/41 €6,787 €5,060 -€1,727 -25.4%
Trade receivables 40 €6,787 €5,060 -€1,727 -25.4%
Cash at bank and in hand 54/58 €1,368 €1,280 -€88 -6.4%
Deferred charges and accrued income 490/1 €8,057 €6,422 -€1,635 -20.3%
Total equity and liabilities 10/49 €273,256 €247,819 -€25,437 -9.3%
Equity 10/15 €15,243 -€5,232 -€20,475
Contributions 10/11 €35,000 €35,000 = 0.0%
Profit (loss) carried forward 14 -€19,757 -€40,232 -€20,475 -103.6%
Amounts payable 17/49 €258,013 €253,051 -€4,962 -1.9%
Amounts payable after more than one year 17 €96,910 €118,568 +€21,658 +22.3%
Financial debts 170/4 €96,910 €118,568 +€21,658 +22.3%
Amounts payable within one year 42/48 €159,197 €133,165 -€26,032 -16.4%
Current portion of amounts payable after more than one year 42 €18,068 €18,343 +€275 +1.5%
Financial debts 43 €24,837 €23,114 -€1,723 -6.9%
Credit institutions 430/8 €24,837 €23,114 -€1,723 -6.9%
Trade debts 44 €85,624 €68,952 -€16,672 -19.5%
Suppliers 440/4 €85,624 €68,952 -€16,672 -19.5%
Taxes, remuneration and social security 45 €28,628 €14,300 -€14,328 -50.0%
Taxes 450/3 €21,620 €8,611 -€13,009 -60.2%
Remuneration and social security 454/9 €7,008 €5,689 -€1,319 -18.8%
Other amounts payable 47/48 €2,040 €8,456 +€6,416 +314.5%
Accrued charges and deferred income 492/3 €1,906 €1,318 -€588 -30.8%
Turnover 70 €121,876 €105,113 -€16,763 -13.8%
Non-recurring operating income 76A €19,010 - -€19,010
Goods, raw materials, services and sundry goods 60/61 €88,483 €71,215 -€17,268 -19.5%
Remuneration, social security and pensions 62 €22,136 €27,218 +€5,082 +23.0%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €13,433 €12,721 -€712 -5.3%
Other operating charges 640/8 €2,941 €2,123 -€818 -27.8%
Non-recurring operating charges 66A €944 €6,508 +€5,564 +589.4%
Gross operating margin 9900 €52,403 €33,898 -€18,505 -35.3%
Operating profit (loss) 9901 €12,949 -€14,672 -€27,621
Financial charges 65/66B €6,599 €5,803 -€796 -12.1%
Recurring financial charges 65 €6,599 €5,803 -€796 -12.1%
Profit (loss) for the period before taxes 9903 €6,350 -€20,475 -€26,825
Profit (loss) for the period 9904 €6,350 -€20,475 -€26,825
Profit (loss) for the period to be appropriated 9905 €6,350 -€20,475 -€26,825

Source: filed annual accounts (NBB), fiscal years ended 31 March 2024 and 31 March 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.