HYPOTHEEKHUIS: 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.
HYPOTHEEKHUIS
Largest movements
- Receivables within one year -€1,200
down €1,200 (-92.3%), from €1,300 to €100
- Cash +€188
up €188 (+2.4%), from €7,843 to €8,031
mainly Receivables within one year (+€1,200) and Depreciation (+€91)
- Reserves -€1,103
down €1,103 (-36.4%), from €3,033 to €1,930
- Other operating charges +€387
up €387 (+207%), from €187 to €574
- Depreciation -€246
down €246 (-73.0%), from €337 to €91
- Gross operating margin -€111
down €111 (-59.5%), from -€187 to -€298
- Financial charges +€20
up €20 (+16.7%), from €120 to €140
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 | €9,234 | €8,131 | -€1,103 | -11.9% |
| Fixed assets | 21/28 | €91 | €0 | -€91 | -100% |
| Tangible fixed assets | 22/27 | €91 | €0 | -€91 | -100% |
| Furniture and vehicles | 24 | €91 | €0 | -€91 | -100% |
| Other tangible fixed assets | 26 | €0 | €0 | = | |
| Current assets | 29/58 | €9,143 | €8,131 | -€1,012 | -11.1% |
| Amounts receivable within one year | 40/41 | €1,300 | €100 | -€1,200 | -92.3% |
| Other amounts receivable | 41 | €1,300 | €100 | -€1,200 | -92.3% |
| Cash at bank and in hand | 54/58 | €7,843 | €8,031 | +€188 | +2.4% |
| Total equity and liabilities | 10/49 | €9,234 | €8,131 | -€1,103 | -11.9% |
| Equity | 10/15 | €9,234 | €8,131 | -€1,103 | -11.9% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €3,033 | €1,930 | -€1,103 | -36.4% |
| Distributable reserves | 133 | €3,033 | €1,930 | -€1,103 | -36.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €337 | €91 | -€246 | -73.0% |
| Other operating charges | 640/8 | €187 | €574 | +€387 | +207% |
| Gross operating margin | 9900 | -€187 | -€298 | -€111 | -59.5% |
| Operating profit (loss) | 9901 | -€711 | -€963 | -€252 | -35.5% |
| Financial charges | 65/66B | €120 | €140 | +€20 | +16.7% |
| Recurring financial charges | 65 | €120 | €140 | +€20 | +16.7% |
| Profit (loss) for the period before taxes | 9903 | -€831 | -€1,103 | -€272 | -32.8% |
| Profit (loss) for the period | 9904 | -€831 | -€1,103 | -€272 | -32.8% |
| Profit (loss) for the period to be appropriated | 9905 | -€831 | -€1,103 | -€272 | -32.8% |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 26 October 2026 via checked.be.