HOUSE4U: 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.
HOUSE4U
Largest movements
- Cash -€18,646
down €18,646 (-57.1%), from €32,683 to €14,036
mainly Net result for the year (-€14,538) and Stocks and contracts (-€5,743)
- Stocks and contracts +€5,743
up €5,743 (+21.0%), from €27,373 to €33,116
- Intangible fixed assets -€4,464
down €4,464 (-100%), from €4,464 to €0
- Profit (loss) carried forward -€14,538
down €14,538 (-7.6%), from -€190,470 to -€205,008
- Other debts -€2,175
down €2,175 (-1.6%), from €138,427 to €136,252
- Tax, wage and social debts -€842
down €842 (-65.0%), from €1,295 to €453
- Accrued charges and deferred income -€833
down €833 (-63.5%), from €1,313 to €480
- Gross operating margin -€35,958
down €35,958, from €26,427 to -€9,531
- Financial income -€1,219
down €1,219 (-59.4%), from €2,052 to €833
- Financial charges -€659
down €659 (-66.0%), from €998 to €339
of which Financial charges: -€659
- Depreciation -€463
down €463 (-8.8%), from €5,259 to €4,796
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €65,990 | €47,702 | -€18,288 | -27.7% |
| Fixed assets | 21/28 | €4,796 | €0 | -€4,796 | -100% |
| Intangible fixed assets | 21 | €4,464 | €0 | -€4,464 | -100% |
| Tangible fixed assets | 22/27 | €333 | €0 | -€333 | -100% |
| Furniture and vehicles | 24 | €333 | €0 | -€333 | -100% |
| Current assets | 29/58 | €61,194 | €47,702 | -€13,491 | -22.0% |
| Stocks and contracts in progress | 3 | €27,373 | €33,116 | +€5,743 | +21.0% |
| Stocks | 30/36 | €27,373 | €33,116 | +€5,743 | +21.0% |
| Amounts receivable within one year | 40/41 | €910 | €315 | -€595 | -65.4% |
| Trade receivables | 40 | €726 | €200 | -€526 | -72.5% |
| Other amounts receivable | 41 | €184 | €115 | -€69 | -37.7% |
| Cash at bank and in hand | 54/58 | €32,683 | €14,036 | -€18,646 | -57.1% |
| Deferred charges and accrued income | 490/1 | €228 | €235 | +€7 | +3.1% |
| Total equity and liabilities | 10/49 | €65,990 | €47,702 | -€18,288 | -27.7% |
| Equity | 10/15 | -€134,290 | -€148,828 | -€14,538 | -10.8% |
| Contributions | 10/11 | €12,400 | €12,400 | = | 0.0% |
| Reserves | 13 | €43,781 | €43,781 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €41,921 | €41,921 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€190,470 | -€205,008 | -€14,538 | -7.6% |
| Amounts payable | 17/49 | €200,280 | €196,530 | -€3,750 | -1.9% |
| Amounts payable after more than one year | 17 | €50,000 | €50,000 | = | 0.0% |
| Financial debts | 170/4 | €50,000 | €50,000 | = | 0.0% |
| Amounts payable within one year | 42/48 | €148,966 | €146,050 | -€2,916 | -2.0% |
| Trade debts | 44 | €9,244 | €9,345 | +€101 | +1.1% |
| Suppliers | 440/4 | €9,244 | €9,345 | +€101 | +1.1% |
| Taxes, remuneration and social security | 45 | €1,295 | €453 | -€842 | -65.0% |
| Taxes | 450/3 | €1,295 | €453 | -€842 | -65.0% |
| Other amounts payable | 47/48 | €138,427 | €136,252 | -€2,175 | -1.6% |
| Accrued charges and deferred income | 492/3 | €1,313 | €480 | -€833 | -63.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €5,259 | €4,796 | -€463 | -8.8% |
| Other operating charges | 640/8 | €812 | €705 | -€106 | -13.1% |
| Gross operating margin | 9900 | €26,427 | -€9,531 | -€35,958 | |
| Operating profit (loss) | 9901 | €20,357 | -€15,033 | -€35,389 | |
| Financial income | 75/76B | €2,052 | €833 | -€1,219 | -59.4% |
| Recurring financial income | 75 | €2,052 | €833 | -€1,219 | -59.4% |
| Financial charges | 65/66B | €998 | €339 | -€659 | -66.0% |
| Recurring financial charges | 65 | €998 | €339 | -€659 | -66.0% |
| Non-recurring financial charges | 66B | €0 | - | = | |
| Profit (loss) for the period before taxes | 9903 | €21,411 | -€14,538 | -€35,949 | |
| Profit (loss) for the period | 9904 | €21,411 | -€14,538 | -€35,949 | |
| Profit (loss) for the period to be appropriated | 9905 | €21,411 | -€14,538 | -€35,949 |
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 18 October 2026 via checked.be.