Hello Invest: 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.
What changed
Hello Invest
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
-€497
2024 · -€1,410+€913
Equity
-€16,349
2024 · -€15,852-€497
Cash
€4,400
2024 · €6,721-€2,321
Balance sheet total
€299,567
2024 · €312,154-€12,587
Largest movements
Assets
- Tangible fixed assets -€11,350
down €11,350 (-3.7%), from €303,032 to €291,682
Equity and liabilities
- Debts after one year -€13,001
down €13,001 (-5.9%), from €219,849 to €206,848
Income statement
- Gross operating margin +€856
up €856 (+4.5%), from €19,222 to €20,078
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.
Result 2024
-€1,410
Gross operating margin
+€856
Other operating charges
-€86
Financial income
-€48
Financial charges
+€191
Result 2025
-€497
raises the resultlowers the result
Derived cash bridge
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
+€10,486
Investment
€0
Financing
-€12,807
Cash 2024
€6,721
From operations (derived)
+€10,486
Net result for the year
-€497
Depreciation
+€11,350
Receivables within one year
-€1,132
Deferred charges and accrued income
+€48
Trade debts
-€627
Other debts
-€1,760
Accrued charges and deferred income
+€3,104
Financing
-€12,807
Debts after one year
-€13,001
Current portion of long-term debt
+€194
Cash 2025
€4,400
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €312,154 | €299,567 | -€12,587 | -4.0% |
| Fixed assets | 21/28 | €303,032 | €291,682 | -€11,350 | -3.7% |
| Tangible fixed assets | 22/27 | €303,032 | €291,682 | -€11,350 | -3.7% |
| Land and buildings | 22 | €303,032 | €291,682 | -€11,350 | -3.7% |
| Current assets | 29/58 | €9,121 | €7,885 | -€1,236 | -13.6% |
| Amounts receivable within one year | 40/41 | €1,560 | €2,692 | +€1,132 | +72.6% |
| Trade receivables | 40 | €1,560 | €1,560 | = | 0.0% |
| Other amounts receivable | 41 | €0 | €1,132 | +€1,132 | |
| Cash at bank and in hand | 54/58 | €6,721 | €4,400 | -€2,321 | -34.5% |
| Deferred charges and accrued income | 490/1 | €840 | €792 | -€48 | -5.7% |
| Total equity and liabilities | 10/49 | €312,154 | €299,567 | -€12,587 | -4.0% |
| Equity | 10/15 | -€15,852 | -€16,349 | -€497 | -3.1% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€20,852 | -€21,349 | -€497 | -2.4% |
| Amounts payable | 17/49 | €328,005 | €315,916 | -€12,090 | -3.7% |
| Amounts payable after more than one year | 17 | €219,849 | €206,848 | -€13,001 | -5.9% |
| Financial debts | 170/4 | €219,849 | €206,848 | -€13,001 | -5.9% |
| Amounts payable within one year | 42/48 | €103,515 | €101,322 | -€2,192 | -2.1% |
| Current portion of amounts payable after more than one year | 42 | €12,807 | €13,001 | +€194 | +1.5% |
| Trade debts | 44 | €886 | €259 | -€627 | -70.8% |
| Suppliers | 440/4 | €886 | €259 | -€627 | -70.8% |
| Other amounts payable | 47/48 | €89,822 | €88,062 | -€1,760 | -2.0% |
| Accrued charges and deferred income | 492/3 | €4,642 | €7,745 | +€3,104 | +66.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €11,350 | €11,350 | = | 0.0% |
| Other operating charges | 640/8 | €2,889 | €2,975 | +€86 | +3.0% |
| Gross operating margin | 9900 | €19,222 | €20,078 | +€856 | +4.5% |
| Operating profit (loss) | 9901 | €4,983 | €5,753 | +€770 | +15.5% |
| Financial income | 75/76B | €57 | €9 | -€48 | -83.6% |
| Recurring financial income | 75 | €57 | €9 | -€48 | -83.6% |
| Financial charges | 65/66B | €6,450 | €6,259 | -€191 | -3.0% |
| Recurring financial charges | 65 | €6,450 | €6,259 | -€191 | -3.0% |
| Profit (loss) for the period before taxes | 9903 | -€1,410 | -€497 | +€913 | +64.8% |
| Profit (loss) for the period | 9904 | -€1,410 | -€497 | +€913 | +64.8% |
| Profit (loss) for the period to be appropriated | 9905 | -€1,410 | -€497 | +€913 | +64.8% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 October 2026 via checked.be.