Hypotheekwereld: 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.
Hypotheekwereld
Largest movements
- Cash -€110,154
down €110,154 (-51.6%), from €213,411 to €103,257
mainly Contributions, distributions and other (-€85,000) and Trade debts (-€76,802)
- Intangible fixed assets +€5,891
new in 2025: €5,891
- Trade debts -€76,802
down €76,802 (-82.9%), from €92,616 to €15,813
- Tax, wage and social debts -€18,405
down €18,405 (-79.8%), from €23,065 to €4,661
of which Taxes: -€21,215
- Reserves -€7,550
down €7,550 (-7.2%), from €105,333 to €97,783
- Accrued charges and deferred income -€4,728
down €4,728 (-97.9%), from €4,829 to €101
- Gross operating margin +€110,395
up €110,395 (+262%), from €42,061 to €152,456
- Staff costs +€38,666
up €38,666 (+518%), from €7,457 to €46,123
- Taxes +€18,554
up €18,554 (+227%), from €8,178 to €26,732
- Financial charges -€2,106
down €2,106 (-88.3%), from €2,386 to €280
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 | €251,307 | €144,210 | -€107,096 | -42.6% |
| Fixed assets | 21/28 | €708 | €6,449 | +€5,741 | +811% |
| Intangible fixed assets | 21 | - | €5,891 | +€5,891 | |
| Tangible fixed assets | 22/27 | €708 | €558 | -€150 | -21.1% |
| Furniture and vehicles | 24 | €708 | €558 | -€150 | -21.1% |
| Current assets | 29/58 | €250,599 | €137,761 | -€112,838 | -45.0% |
| Amounts receivable within one year | 40/41 | €35,913 | €33,756 | -€2,157 | -6.0% |
| Trade receivables | 40 | €7,126 | €23,027 | +€15,900 | +223% |
| Other amounts receivable | 41 | €28,787 | €10,729 | -€18,058 | -62.7% |
| Cash at bank and in hand | 54/58 | €213,411 | €103,257 | -€110,154 | -51.6% |
| Deferred charges and accrued income | 490/1 | €1,274 | €748 | -€526 | -41.3% |
| Total equity and liabilities | 10/49 | €251,307 | €144,210 | -€107,096 | -42.6% |
| Equity | 10/15 | €125,333 | €117,783 | -€7,550 | -6.0% |
| Contributions | 10/11 | €20,000 | €20,000 | = | 0.0% |
| Reserves | 13 | €105,333 | €97,783 | -€7,550 | -7.2% |
| Distributable reserves | 133 | €105,333 | €97,783 | -€7,550 | -7.2% |
| Amounts payable | 17/49 | €125,973 | €26,427 | -€99,547 | -79.0% |
| Amounts payable within one year | 42/48 | €121,145 | €26,326 | -€94,819 | -78.3% |
| Financial debts | 43 | €5,464 | €5,852 | +€388 | +7.1% |
| Credit institutions | 430/8 | €5,464 | €5,852 | +€388 | +7.1% |
| Trade debts | 44 | €92,616 | €15,813 | -€76,802 | -82.9% |
| Suppliers | 440/4 | €92,616 | €15,813 | -€76,802 | -82.9% |
| Taxes, remuneration and social security | 45 | €23,065 | €4,661 | -€18,405 | -79.8% |
| Taxes | 450/3 | €21,480 | €265 | -€21,215 | -98.8% |
| Remuneration and social security | 454/9 | €1,585 | €4,395 | +€2,810 | +177% |
| Accrued charges and deferred income | 492/3 | €4,829 | €101 | -€4,728 | -97.9% |
| Remuneration, social security and pensions | 62 | €7,457 | €46,123 | +€38,666 | +518% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €41 | €759 | +€718 | +1,768% |
| Other operating charges | 640/8 | €1,300 | €1,112 | -€188 | -14.4% |
| Gross operating margin | 9900 | €42,061 | €152,456 | +€110,395 | +262% |
| Operating profit (loss) | 9901 | €33,263 | €104,462 | +€71,199 | +214% |
| Financial income | 75/76B | €36 | - | -€36 | |
| Recurring financial income | 75 | €36 | - | -€36 | |
| Financial charges | 65/66B | €2,386 | €280 | -€2,106 | -88.3% |
| Recurring financial charges | 65 | €2,386 | €280 | -€2,106 | -88.3% |
| Profit (loss) for the period before taxes | 9903 | €30,913 | €104,182 | +€73,269 | +237% |
| Income taxes | 67/77 | €8,178 | €26,732 | +€18,554 | +227% |
| Profit (loss) for the period | 9904 | €22,735 | €77,450 | +€54,715 | +241% |
| Profit (loss) for the period to be appropriated | 9905 | €22,735 | €77,450 | +€54,715 | +241% |
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 23 October 2026 via checked.be.