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HOLIVER: 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

HOLIVER

BE 0435.898.501
NACE 46.160, Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€6,265
2024 · €19,862-€13,596
Equity
€1.1m
2024 · €1.1m+€6,265
Cash
€103,830
2024 · €90,554+€13,275
Balance sheet total
€1.1m
2024 · €1.1m+€18,617

Largest movements

2024 to 2025
Assets
  • Receivables within one year +€15,542

    up €15,542 (+3.6%), from €426,485 to €442,027

  • Cash +€13,275

    up €13,275 (+14.7%), from €90,554 to €103,830

    mainly Trade debts (+€17,361) and Depreciation (+€10,442)

Equity and liabilities
  • Trade debts +€17,361

    up €17,361, from €0 to €17,361

Income statement
  • Gross operating margin -€27,458

    down €27,458 (-74.9%), from €36,683 to €9,224

  • Financial charges -€9,799

    down €9,799 (-92.6%), from €10,578 to €779

  • Taxes -€4,860

    down €4,860 (-56.5%), from €8,599 to €3,739

  • Other operating charges +€1,039

    up €1,039 (+28.9%), from €3,592 to €4,631

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 €19,862
Gross operating margin -€27,458
Other operating charges -€1,039
Financial income +€242
Financial charges +€9,799
Taxes +€4,860
Result 2025 €6,265

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 +€13,275
Investment €0
Financing €0
Cash 2024 €90,554
Net result for the year +€6,265
Depreciation +€10,442
Receivables within one year -€15,542
Deferred charges and accrued income -€242
Provisions -€1,240
Trade debts +€17,361
Tax, wage and social debts -€4,850
Accrued charges and deferred income +€1,081
Cash 2025 €103,830
Every line side by side 47 lines
Line Code 2024 2025 Change %
Total assets 20/58 €1,120,769 €1,139,385 +€18,617 +1.7%
Fixed assets 21/28 €583,579 €573,137 -€10,442 -1.8%
Tangible fixed assets 22/27 €186,330 €175,888 -€10,442 -5.6%
Land and buildings 22 €186,330 €175,888 -€10,442 -5.6%
Financial fixed assets 28 €397,248 €397,248 = 0.0%
Current assets 29/58 €537,190 €566,249 +€29,059 +5.4%
Amounts receivable within one year 40/41 €426,485 €442,027 +€15,542 +3.6%
Other amounts receivable 41 €426,485 €442,027 +€15,542 +3.6%
Cash at bank and in hand 54/58 €90,554 €103,830 +€13,275 +14.7%
Deferred charges and accrued income 490/1 €20,150 €20,392 +€242 +1.2%
Total equity and liabilities 10/49 €1,120,769 €1,139,385 +€18,617 +1.7%
Equity 10/15 €1,070,971 €1,077,236 +€6,265 +0.6%
Contributions 10/11 €273,000 €273,000 = 0.0%
Capital 10 €273,000 €273,000 = 0.0%
Issued capital 100 €273,000 €273,000 = 0.0%
Reserves 13 €844,364 €840,643 -€3,721 -0.4%
Non-distributable reserves 130/1 €27,300 €27,300 = 0.0%
Legal reserve 130 €27,300 €27,300 = 0.0%
Tax-exempt reserves 132 €67,064 €63,343 -€3,721 -5.5%
Distributable reserves 133 €750,000 €750,000 = 0.0%
Profit (loss) carried forward 14 -€46,394 -€36,407 +€9,987 +21.5%
Provisions and deferred taxes 16 €22,355 €21,114 -€1,240 -5.5%
Deferred taxes 168 €22,355 €21,114 -€1,240 -5.5%
Amounts payable 17/49 €27,443 €41,035 +€13,592 +49.5%
Amounts payable within one year 42/48 €8,600 €21,111 +€12,511 +145.5%
Financial debts 43 €0 - =
Credit institutions 430/8 €0 - =
Trade debts 44 €0 €17,361 +€17,361
Suppliers 440/4 €0 €17,361 +€17,361
Taxes, remuneration and social security 45 €8,600 €3,750 -€4,850 -56.4%
Taxes 450/3 €8,600 €3,750 -€4,850 -56.4%
Accrued charges and deferred income 492/3 €18,843 €19,924 +€1,081 +5.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €10,442 €10,442 = 0.0%
Other operating charges 640/8 €3,592 €4,631 +€1,039 +28.9%
Gross operating margin 9900 €36,683 €9,224 -€27,458 -74.9%
Operating profit (loss) 9901 €22,648 -€5,849 -€28,498
Financial income 75/76B €15,150 €15,392 +€242 +1.6%
Recurring financial income 75 €15,150 €15,392 +€242 +1.6%
Financial charges 65/66B €10,578 €779 -€9,799 -92.6%
Recurring financial charges 65 €10,578 €779 -€9,799 -92.6%
Profit (loss) for the period before taxes 9903 €27,220 €8,764 -€18,457 -67.8%
Transfer from deferred taxes 780 €1,240 €1,240 = 0.0%
Income taxes 67/77 €8,599 €3,739 -€4,860 -56.5%
Profit (loss) for the period 9904 €19,862 €6,265 -€13,596 -68.5%
Transfer from tax-exempt reserves 789 €3,721 €3,721 = 0.0%
Transfer to tax-exempt reserves 689 €0 - =
Profit (loss) for the period to be appropriated 9905 €23,583 €9,987 -€13,596 -57.7%

Source: filed annual accounts (NBB), fiscal years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.