Hypotheekmakelaars: 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.
Hypotheekmakelaars
Largest movements
- Receivables within one year +€23,679
up €23,679 (+71.8%), from €32,982 to €56,660
of which Trade receivables: +€23,023
- Cash -€5,858
down €5,858 (-51.7%), from €11,333 to €5,476
mainly Receivables within one year (-€23,679) and Tax, wage and social debts (-€229)
- Trade debts +€17,665
up €17,665 (+71.2%), from €24,812 to €42,478
- Staff costs +€3,409
up €3,409 (+287%), from €1,187 to €4,596
- Taxes -€1,083
down €1,083 (-87.7%), from €1,236 to €152
- Gross operating margin -€993
down €993 (-14.3%), from €6,918 to €5,925
- Financial charges -€83
down €83 (-29.1%), from €284 to €201
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 | €44,315 | €62,208 | +€17,893 | +40.4% |
| Current assets | 29/58 | €44,315 | €62,208 | +€17,893 | +40.4% |
| Amounts receivable within one year | 40/41 | €32,982 | €56,660 | +€23,679 | +71.8% |
| Trade receivables | 40 | €20,482 | €43,505 | +€23,023 | +112% |
| Other amounts receivable | 41 | €12,500 | €13,156 | +€656 | +5.2% |
| Cash at bank and in hand | 54/58 | €11,333 | €5,476 | -€5,858 | -51.7% |
| Deferred charges and accrued income | 490/1 | - | €72 | +€72 | |
| Total equity and liabilities | 10/49 | €44,315 | €62,208 | +€17,893 | +40.4% |
| Equity | 10/15 | €18,839 | €19,296 | +€457 | +2.4% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €12,639 | €13,096 | +€457 | +3.6% |
| Distributable reserves | 133 | €12,639 | €13,096 | +€457 | +3.6% |
| Amounts payable | 17/49 | €25,476 | €42,913 | +€17,436 | +68.4% |
| Amounts payable within one year | 42/48 | €25,476 | €42,913 | +€17,436 | +68.4% |
| Trade debts | 44 | €24,812 | €42,478 | +€17,665 | +71.2% |
| Suppliers | 440/4 | €24,812 | €42,478 | +€17,665 | +71.2% |
| Taxes, remuneration and social security | 45 | €664 | €435 | -€229 | -34.5% |
| Taxes | 450/3 | €401 | - | -€401 | |
| Remuneration and social security | 454/9 | €263 | €435 | +€172 | +65.5% |
| Remuneration, social security and pensions | 62 | €1,187 | €4,596 | +€3,409 | +287% |
| Other operating charges | 640/8 | €505 | €520 | +€14 | +2.8% |
| Gross operating margin | 9900 | €6,918 | €5,925 | -€993 | -14.3% |
| Operating profit (loss) | 9901 | €5,226 | €810 | -€4,416 | -84.5% |
| Financial charges | 65/66B | €284 | €201 | -€83 | -29.1% |
| Recurring financial charges | 65 | €284 | €201 | -€83 | -29.1% |
| Profit (loss) for the period before taxes | 9903 | €4,942 | €609 | -€4,333 | -87.7% |
| Income taxes | 67/77 | €1,236 | €152 | -€1,083 | -87.7% |
| Profit (loss) for the period | 9904 | €3,707 | €457 | -€3,250 | -87.7% |
| Profit (loss) for the period to be appropriated | 9905 | €3,707 | €457 | -€3,250 | -87.7% |
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 28 October 2026 via checked.be.