HOMEBUILDING: 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.
HOMEBUILDING
Largest movements
- Receivables within one year -€18,346
down €18,346 (-38.3%), from €47,909 to €29,564
of which Trade receivables: -€17,696
- Profit (loss) carried forward -€37,639
down €37,639 (-8.0%), from -€472,306 to -€509,945
- Other debts +€16,787
up €16,787 (+3.7%), from €456,589 to €473,376
- Short-term financial debts +€3,731
up €3,731 (+11.9%), from €31,266 to €34,996
- Trade debts -€1,132
down €1,132 (-12.2%), from €9,275 to €8,143
- Gross operating margin +€12,306
up €12,306 (+26.2%), from -€46,920 to -€34,614
- Financial charges -€1,159
down €1,159 (-32.4%), from €3,575 to €2,415
- Other operating charges -€654
down €654 (-51.8%), from €1,264 to €610
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
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €48,429 | €30,176 | -€18,252 | -37.7% |
| Fixed assets | 21/28 | €330 | €330 | = | 0.0% |
| Financial fixed assets | 28 | €330 | €330 | = | 0.0% |
| Current assets | 29/58 | €48,099 | €29,846 | -€18,252 | -37.9% |
| Amounts receivable within one year | 40/41 | €47,909 | €29,564 | -€18,346 | -38.3% |
| Trade receivables | 40 | €45,354 | €27,658 | -€17,696 | -39.0% |
| Other amounts receivable | 41 | €2,555 | €1,905 | -€650 | -25.4% |
| Cash at bank and in hand | 54/58 | €190 | €283 | +€93 | +49.3% |
| Total equity and liabilities | 10/49 | €48,429 | €30,176 | -€18,252 | -37.7% |
| Equity | 10/15 | -€450,951 | -€488,590 | -€37,639 | -8.3% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Capital | 10 | €6,200 | €6,200 | = | 0.0% |
| Issued capital | 100 | €18,600 | €18,600 | = | 0.0% |
| Uncalled capital | 101 | €12,400 | €12,400 | = | 0.0% |
| Reserves | 13 | €15,155 | €15,155 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,155 | €1,155 | = | 0.0% |
| Legal reserve | 130 | €1,155 | €1,155 | = | 0.0% |
| Distributable reserves | 133 | €14,000 | €14,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€472,306 | -€509,945 | -€37,639 | -8.0% |
| Amounts payable | 17/49 | €499,380 | €518,766 | +€19,386 | +3.9% |
| Amounts payable within one year | 42/48 | €499,380 | €518,766 | +€19,386 | +3.9% |
| Current portion of amounts payable after more than one year | 42 | €2,250 | €2,250 | = | 0.0% |
| Financial debts | 43 | €31,266 | €34,996 | +€3,731 | +11.9% |
| Credit institutions | 430/8 | €31,266 | €34,996 | +€3,731 | +11.9% |
| Trade debts | 44 | €9,275 | €8,143 | -€1,132 | -12.2% |
| Suppliers | 440/4 | €9,275 | €8,143 | -€1,132 | -12.2% |
| Other amounts payable | 47/48 | €456,589 | €473,376 | +€16,787 | +3.7% |
| Other operating charges | 640/8 | €1,264 | €610 | -€654 | -51.8% |
| Gross operating margin | 9900 | -€46,920 | -€34,614 | +€12,306 | +26.2% |
| Operating profit (loss) | 9901 | -€48,184 | -€35,223 | +€12,960 | +26.9% |
| Financial charges | 65/66B | €3,575 | €2,415 | -€1,159 | -32.4% |
| Recurring financial charges | 65 | €3,575 | €2,415 | -€1,159 | -32.4% |
| Profit (loss) for the period before taxes | 9903 | -€51,758 | -€37,639 | +€14,119 | +27.3% |
| Profit (loss) for the period | 9904 | -€51,758 | -€37,639 | +€14,119 | +27.3% |
| Profit (loss) for the period to be appropriated | 9905 | -€51,758 | -€37,639 | +€14,119 | +27.3% |
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 11 October 2026 via checked.be.