HaBo IMMO: what changed
You see two financial years side by side: what moved most in the balance sheet and the result, why the result rose or fell and where the money went.
HaBo IMMO
Largest movements
- Cash -€81,790
down €81,790 (-73.4%), from €111,490 to €29,700
mainly Debts after one year (-€95,436) and Net result for the year (-€94,751)
- Other debts +€118,245
up €118,245 (+9.5%), from €1.2m to €1.4m
- Debts after one year -€95,436
down €95,436 (-15.0%), from €636,254 to €540,818
- Profit (loss) carried forward -€94,751
down €94,751 (-19.0%), from €499,393 to €404,642
- Gross operating margin -€93,845
down €93,845, from €64,842 to -€29,003
- Financial charges -€16,380
down €16,380 (-20.2%), from €81,068 to €64,688
- Other operating charges -€1,655
down €1,655 (-60.9%), from €2,716 to €1,060
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €2,499,675 | €2,425,328 | -€74,347 | -3.0% |
| Current assets | 29/58 | €2,499,675 | €2,425,328 | -€74,347 | -3.0% |
| Stocks and contracts in progress | 3 | €2,219,572 | €2,228,116 | +€8,545 | +0.4% |
| Contracts in progress | 37 | €2,219,572 | €2,228,116 | +€8,545 | +0.4% |
| Amounts receivable within one year | 40/41 | €166,255 | €167,511 | +€1,256 | +0.8% |
| Trade receivables | 40 | €0 | - | = | |
| Other amounts receivable | 41 | €166,255 | €167,511 | +€1,256 | +0.8% |
| Cash at bank and in hand | 54/58 | €111,490 | €29,700 | -€81,790 | -73.4% |
| Deferred charges and accrued income | 490/1 | €2,359 | €0 | -€2,359 | -100% |
| Total equity and liabilities | 10/49 | €2,499,675 | €2,425,328 | -€74,347 | -3.0% |
| Equity | 10/15 | €519,853 | €425,102 | -€94,751 | -18.2% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €499,393 | €404,642 | -€94,751 | -19.0% |
| Amounts payable | 17/49 | €1,979,822 | €2,000,226 | +€20,404 | +1.0% |
| Amounts payable after more than one year | 17 | €636,254 | €540,818 | -€95,436 | -15.0% |
| Financial debts | 170/4 | €636,254 | €540,818 | -€95,436 | -15.0% |
| Amounts payable within one year | 42/48 | €1,343,568 | €1,459,407 | +€115,840 | +8.6% |
| Current portion of amounts payable after more than one year | 42 | €95,436 | €95,436 | = | 0.0% |
| Trade debts | 44 | €9,354 | €6,949 | -€2,405 | -25.7% |
| Suppliers | 440/4 | €9,354 | €6,949 | -€2,405 | -25.7% |
| Taxes, remuneration and social security | 45 | €0 | - | = | |
| Taxes | 450/3 | €0 | - | = | |
| Other amounts payable | 47/48 | €1,238,777 | €1,357,022 | +€118,245 | +9.5% |
| Accrued charges and deferred income | 492/3 | €0 | €0 | = | 0.0% |
| Other operating charges | 640/8 | €2,716 | €1,060 | -€1,655 | -60.9% |
| Gross operating margin | 9900 | €64,842 | -€29,003 | -€93,845 | |
| Operating profit (loss) | 9901 | €62,126 | -€30,063 | -€92,189 | |
| Financial income | 75/76B | €0 | €0 | -€0 | -100% |
| Recurring financial income | 75 | €0 | €0 | -€0 | -100% |
| Financial charges | 65/66B | €81,068 | €64,688 | -€16,380 | -20.2% |
| Recurring financial charges | 65 | €81,068 | €64,688 | -€16,380 | -20.2% |
| Profit (loss) for the period before taxes | 9903 | -€18,941 | -€94,751 | -€75,810 | -400% |
| Profit (loss) for the period | 9904 | -€18,941 | -€94,751 | -€75,810 | -400% |
| Profit (loss) for the period to be appropriated | 9905 | -€18,941 | -€94,751 | -€75,810 | -400% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 1 November 2026 via checked.be.