HAHBOS: what changed
Two financial 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.
HAHBOS
Largest movements
- Receivables within one year +€14,808
up €14,808 (+3.5%), from €422,408 to €437,215
of which Other amounts receivable: +€29,194
- Profit (loss) carried forward +€14,436
up €14,436 (+9.4%), from €153,246 to €167,681
- Trade debts +€7,029
up €7,029 (+378.4%), from €1,858 to €8,887
- Tax, wage and social debts -€6,084
down €6,084 (-26.7%), from €22,758 to €16,674
of which Remuneration and social security: -€6,988
- Services and other goods -€9,118
down €9,118 (-18.6%), from €49,141 to €40,023
- Turnover -€6,401
down €6,401 (-2.3%), from €278,892 to €272,491
- Staff costs +€4,004
up €4,004 (+1.9%), from €207,658 to €211,662
From the 2024 result to the 2025 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.
Cash bridge derived
Cash or the result is not a separate line in both sets of accounts; the cash flow cannot be derived from them.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €422,467 | €438,040 | +€15,574 | +3.7% |
| Current assets | 29/58 | €422,467 | €438,040 | +€15,574 | +3.7% |
| Amounts receivable within one year | 40/41 | €422,408 | €437,215 | +€14,808 | +3.5% |
| Trade receivables | 40 | €69,944 | €55,558 | -€14,386 | -20.6% |
| Other amounts receivable | 41 | €352,464 | €381,658 | +€29,194 | +8.3% |
| Deferred charges and accrued income | 490/1 | €59 | €825 | +€766 | +1298.7% |
| Total equity and liabilities | 10/49 | €422,467 | €438,040 | +€15,574 | +3.7% |
| Equity | 10/15 | €397,311 | €411,747 | +€14,436 | +3.6% |
| Contributions | 10/11 | €6,205 | €6,205 | = | 0.0% |
| Reserves | 13 | €237,860 | €237,860 | = | 0.0% |
| Distributable reserves | 133 | €237,860 | €237,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €153,246 | €167,681 | +€14,436 | +9.4% |
| Amounts payable | 17/49 | €25,156 | €26,294 | +€1,138 | +4.5% |
| Amounts payable within one year | 42/48 | €25,156 | €26,294 | +€1,138 | +4.5% |
| Trade debts | 44 | €1,858 | €8,887 | +€7,029 | +378.4% |
| Suppliers | 440/4 | €1,858 | €8,887 | +€7,029 | +378.4% |
| Taxes, remuneration and social security | 45 | €22,758 | €16,674 | -€6,084 | -26.7% |
| Taxes | 450/3 | €928 | €1,832 | +€904 | +97.3% |
| Remuneration and social security | 454/9 | €21,829 | €14,841 | -€6,988 | -32.0% |
| Other amounts payable | 47/48 | €540 | €733 | +€193 | +35.7% |
| Operating income | 70/76A | €279,793 | €273,435 | -€6,358 | -2.3% |
| Turnover | 70 | €278,892 | €272,491 | -€6,401 | -2.3% |
| Other operating income | 74 | €900 | €944 | +€44 | +4.8% |
| Operating charges | 60/66A | €257,491 | €252,198 | -€5,293 | -2.1% |
| Services and other goods | 61 | €49,141 | €40,023 | -€9,118 | -18.6% |
| Remuneration, social security and pensions | 62 | €207,658 | €211,662 | +€4,004 | +1.9% |
| Other operating charges | 640/8 | €692 | €513 | -€179 | -25.9% |
| Operating profit (loss) | 9901 | €22,302 | €21,237 | -€1,064 | -4.8% |
| Financial charges | 65/66B | €698 | €723 | +€25 | +3.6% |
| Recurring financial charges | 65 | €698 | €723 | +€25 | +3.6% |
| Debt charges | 650 | €0 | €0 | = | 0.0% |
| Other financial charges | 652/9 | €698 | €723 | +€25 | +3.6% |
| Profit (loss) for the period before taxes | 9903 | €21,604 | €20,514 | -€1,090 | -5.0% |
| Income taxes | 67/77 | €4,505 | €6,078 | +€1,573 | +34.9% |
| Taxes | 670/3 | €6,333 | €6,078 | -€255 | -4.0% |
| Tax adjustments and reversals of tax provisions | 77 | €1,828 | - | -€1,828 | |
| Profit (loss) for the period | 9904 | €17,099 | €14,436 | -€2,663 | -15.6% |
| Profit (loss) for the period to be appropriated | 9905 | €17,099 | €14,436 | -€2,663 | -15.6% |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 12 October 2026 via checked.be.