HOME FINANCES: 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.
HOME FINANCES
Largest movements
- Cash -€37,234
down €37,234 (-74.2%), from €50,168 to €12,934
mainly Net result for the year (-€42,999) and Deferred charges and accrued income (-€9,209)
- Receivables within one year -€14,398
down €14,398 (-82.6%), from €17,433 to €3,035
of which Trade receivables: -€14,303
- Deferred charges and accrued income +€9,209
new in 2024: €9,209
- Profit (loss) carried forward -€42,999
down €42,999 (-84.2%), from €51,057 to €8,058
- Other debts +€998
new in 2024: €998
- Gross operating margin -€106,530
down €106,530, from €64,705 to -€41,825
- Taxes -€13,436
down €13,436 (-99.1%), from €13,555 to €118
- Financial charges +€790
up €790 (+15,798%), from €5 to €795
From the 2023 result to the 2024 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.
Derived cash bridge
Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2023 | 2024 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €68,364 | €26,263 | -€42,101 | -61.6% |
| Fixed assets | 21/28 | €762 | €1,085 | +€323 | +42.4% |
| Tangible fixed assets | 22/27 | €762 | €1,085 | +€323 | +42.4% |
| Furniture and vehicles | 24 | €762 | €1,085 | +€323 | +42.4% |
| Current assets | 29/58 | €67,602 | €25,178 | -€42,424 | -62.8% |
| Amounts receivable within one year | 40/41 | €17,433 | €3,035 | -€14,398 | -82.6% |
| Trade receivables | 40 | €17,338 | €3,035 | -€14,303 | -82.5% |
| Other amounts receivable | 41 | €95 | - | -€95 | |
| Cash at bank and in hand | 54/58 | €50,168 | €12,934 | -€37,234 | -74.2% |
| Deferred charges and accrued income | 490/1 | - | €9,209 | +€9,209 | |
| Total equity and liabilities | 10/49 | €68,364 | €26,263 | -€42,101 | -61.6% |
| Equity | 10/15 | €53,057 | €10,058 | -€42,999 | -81.0% |
| Contributions | 10/11 | €2,000 | €2,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €51,057 | €8,058 | -€42,999 | -84.2% |
| Amounts payable | 17/49 | €15,307 | €16,205 | +€898 | +5.9% |
| Amounts payable within one year | 42/48 | €15,307 | €16,205 | +€898 | +5.9% |
| Trade debts | 44 | €259 | - | -€259 | |
| Suppliers | 440/4 | €259 | - | -€259 | |
| Taxes, remuneration and social security | 45 | €15,048 | €15,207 | +€158 | +1.1% |
| Taxes | 450/3 | €13,555 | €13,673 | +€118 | +0.9% |
| Remuneration and social security | 454/9 | €1,494 | €1,533 | +€40 | +2.7% |
| Other amounts payable | 47/48 | - | €998 | +€998 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €89 | €316 | +€228 | +257% |
| Other operating charges | 640/8 | - | €321 | +€321 | |
| Gross operating margin | 9900 | €64,705 | -€41,825 | -€106,530 | |
| Operating profit (loss) | 9901 | €64,617 | -€42,461 | -€107,078 | |
| Financial income | 75/76B | - | €376 | +€376 | |
| Recurring financial income | 75 | - | €376 | +€376 | |
| Financial charges | 65/66B | €5 | €795 | +€790 | +15,798% |
| Recurring financial charges | 65 | €5 | €795 | +€790 | +15,798% |
| Profit (loss) for the period before taxes | 9903 | €64,612 | -€42,881 | -€107,492 | |
| Income taxes | 67/77 | €13,555 | €118 | -€13,436 | -99.1% |
| Profit (loss) for the period | 9904 | €51,057 | -€42,999 | -€94,056 | |
| Profit (loss) for the period to be appropriated | 9905 | €51,057 | -€42,999 | -€94,056 |
Source: filed annual accounts (NBB), financial years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 15 October 2026 via checked.be.