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GSW 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

GSW CONSTRUCT

BE 0695.487.525
NACE 41.001, General construction of residential buildings
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€3,343
2024 · €1,536-€4,880
Equity
€13,010
2024 · €16,354-€3,343
Cash
€6,781
2024 · €16,877-€10,096
Balance sheet total
€28,939
2024 · €36,151-€7,212

Largest movements

2024 to 2025
Assets
  • Cash -€10,096

    down €10,096 (-59.8%), from €16,877 to €6,781

    mainly Tax, wage and social debts (-€13,509) and Investment in fixed assets (net) (-€10,561)

  • Tangible fixed assets +€3,715

    up €3,715 (+29.0%), from €12,814 to €16,529

    of which Furniture and vehicles: +€5,043

  • Receivables within one year -€1,065

    down €1,065 (-17.0%), from €6,255 to €5,190

    of which Other amounts receivable: -€1,535

Equity and liabilities
  • Tax, wage and social debts -€13,509

    down €13,509 (-90.9%), from €14,855 to €1,346

    of which Remuneration and social security: -€12,874

  • Other debts +€9,111

    up €9,111 (+641.7%), from €1,420 to €10,531

  • Profit (loss) carried forward -€3,343

    new in 2025: -€3,343

Income statement
  • Gross operating margin -€19,246

    down €19,246, from €12,772 to -€6,474

  • Financial income +€11,358

    up €11,358 (+3195.4%), from €355 to €11,714

    of which Non-recurring financial income: +€11,629

  • Depreciation -€1,362

    down €1,362 (-16.6%), from €8,207 to €6,846

  • Taxes -€1,014

    down €1,014 (-85.9%), from €1,180 to €166

  • Other operating charges -€529

    down €529 (-50.5%), from €1,049 to €520

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 €1,536
Gross operating margin -€19,246
Depreciation +€1,362
Other operating charges +€529
Financial income +€11,358
Financial charges +€102
Taxes +€1,014
Result 2025 -€3,343

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 +€465
Investment -€10,561
Financing €0
Cash 2024 €16,877
Net result for the year -€3,343
Depreciation +€6,846
Receivables within one year +€1,065
Deferred charges and accrued income -€234
Trade debts +€353
Tax, wage and social debts -€13,509
Other debts +€9,111
Accrued charges and deferred income +€177
Investment in fixed assets (net) -€10,561
Cash 2025 €6,781
Every line side by side 40 lines
Line Code 2024 2025 Change %
Total assets 20/58 €36,151 €28,939 -€7,212 -19.9%
Fixed assets 21/28 €12,814 €16,529 +€3,715 +29.0%
Tangible fixed assets 22/27 €12,814 €16,529 +€3,715 +29.0%
Land and buildings 22 €425 €295 -€131 -30.8%
Plant, machinery and equipment 23 €5,666 €4,469 -€1,197 -21.1%
Furniture and vehicles 24 €6,723 €11,765 +€5,043 +75.0%
Current assets 29/58 €23,337 €12,411 -€10,927 -46.8%
Amounts receivable within one year 40/41 €6,255 €5,190 -€1,065 -17.0%
Trade receivables 40 €4,590 €5,061 +€471 +10.3%
Other amounts receivable 41 €1,664 €129 -€1,535 -92.3%
Cash at bank and in hand 54/58 €16,877 €6,781 -€10,096 -59.8%
Deferred charges and accrued income 490/1 €205 €439 +€234 +113.8%
Total equity and liabilities 10/49 €36,151 €28,939 -€7,212 -19.9%
Equity 10/15 €16,354 €13,010 -€3,343 -20.4%
Contributions 10/11 €6,200 €6,200 = 0.0%
Reserves 13 €10,154 €10,154 = 0.0%
Distributable reserves 133 €10,154 €10,154 = 0.0%
Profit (loss) carried forward 14 - -€3,343 -€3,343
Amounts payable 17/49 €19,797 €15,929 -€3,868 -19.5%
Amounts payable within one year 42/48 €19,797 €15,752 -€4,045 -20.4%
Trade debts 44 €3,522 €3,875 +€353 +10.0%
Suppliers 440/4 €3,522 €3,875 +€353 +10.0%
Taxes, remuneration and social security 45 €14,855 €1,346 -€13,509 -90.9%
Taxes 450/3 €1,981 €1,346 -€635 -32.1%
Remuneration and social security 454/9 €12,874 - -€12,874
Other amounts payable 47/48 €1,420 €10,531 +€9,111 +641.7%
Accrued charges and deferred income 492/3 - €177 +€177
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €8,207 €6,846 -€1,362 -16.6%
Other operating charges 640/8 €1,049 €520 -€529 -50.5%
Gross operating margin 9900 €12,772 -€6,474 -€19,246
Operating profit (loss) 9901 €3,516 -€13,839 -€17,355
Financial income 75/76B €355 €11,714 +€11,358 +3195.4%
Recurring financial income 75 €355 €84 -€271 -76.3%
Non-recurring financial income 76B - €11,629 +€11,629
Financial charges 65/66B €1,155 €1,052 -€102 -8.9%
Recurring financial charges 65 €1,155 €1,052 -€102 -8.9%
Profit (loss) for the period before taxes 9903 €2,717 -€3,178 -€5,894
Income taxes 67/77 €1,180 €166 -€1,014 -85.9%
Profit (loss) for the period 9904 €1,536 -€3,343 -€4,880
Profit (loss) for the period to be appropriated 9905 €1,536 -€3,343 -€4,880

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.