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IFO: what changed

Two fiscal 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.

What changed

IFO

BE 0445.793.984
NACE 47.241, Retail sale of bread and pastry (bakery outlets)
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€17,253
2024 · €4,938+€12,315
Equity
-€15,349
2024 · -€26,602+€11,253
Cash
€24,806
2024 · €6,857+€17,949
Balance sheet total
€67,624
2024 · €43,025+€24,599

Largest movements

2024 to 2025
Assets
  • Cash +€17,949

    up €17,949 (+261.8%), from €6,857 to €24,806

    mainly Net result for the year (+€17,253) and Trade debts (+€8,539)

  • Receivables within one year +€14,310

    up €14,310 (+78.8%), from €18,157 to €32,467

    of which Trade receivables: +€13,845

  • Stocks and contracts -€6,130

    down €6,130 (-54.6%), from €11,230 to €5,100

  • Tangible fixed assets -€1,530

    down €1,530 (-23.3%), from €6,571 to €5,041

    of which Plant, machinery and equipment: -€1,094

Equity and liabilities
  • Profit (loss) carried forward +€11,253

    up €11,253 (+33.3%), from -€33,800 to -€22,547

  • Trade debts +€8,539

    up €8,539 (+41.8%), from €20,431 to €28,969

  • Tax, wage and social debts +€5,531

    up €5,531 (+11.8%), from €46,722 to €52,253

  • Other debts -€724

    down €724 (-29.3%), from €2,474 to €1,750

Income statement
  • Gross operating margin +€13,468

    up €13,468 (+157.4%), from €8,558 to €22,026

  • Other operating charges +€890

    up €890 (+51.6%), from €1,724 to €2,615

  • Depreciation +€271

    up €271 (+15.0%), from €1,804 to €2,076

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 €4,938
Gross operating margin +€13,468
Depreciation -€271
Other operating charges -€890
Financial income -€2
Financial charges +€11
Result 2025 €17,253

Cash bridge derived

cash 2024 to 2025

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.

From operations +€24,494
Investment -€545
Financing -€6,000
Cash 2024 €6,857
Net result for the year +€17,253
Depreciation +€2,076
Stocks and contracts +€6,130
Receivables within one year -€14,310
Trade debts +€8,539
Tax, wage and social debts +€5,531
Other debts -€724
Investment in fixed assets (net) -€545
Contributions, distributions and other -€6,000
Cash 2025 €24,806
Every line side by side 36 lines
Line Code 2024 2025 Change %
Total assets 20/58 €43,025 €67,624 +€24,599 +57.2%
Fixed assets 21/28 €6,781 €5,251 -€1,530 -22.6%
Tangible fixed assets 22/27 €6,571 €5,041 -€1,530 -23.3%
Plant, machinery and equipment 23 €3,371 €2,277 -€1,094 -32.4%
Furniture and vehicles 24 - €364 +€364
Other tangible fixed assets 26 €3,200 €2,400 -€800 -25.0%
Financial fixed assets 28 €210 €210 = 0.0%
Current assets 29/58 €36,243 €62,373 +€26,129 +72.1%
Stocks and contracts in progress 3 €11,230 €5,100 -€6,130 -54.6%
Stocks 30/36 €11,230 €5,100 -€6,130 -54.6%
Amounts receivable within one year 40/41 €18,157 €32,467 +€14,310 +78.8%
Trade receivables 40 €10,534 €24,379 +€13,845 +131.4%
Other amounts receivable 41 €7,623 €8,088 +€465 +6.1%
Cash at bank and in hand 54/58 €6,857 €24,806 +€17,949 +261.8%
Total equity and liabilities 10/49 €43,025 €67,624 +€24,599 +57.2%
Equity 10/15 -€26,602 -€15,349 +€11,253 +42.3%
Contributions 10/11 €7,197 €7,197 = 0.0%
Profit (loss) carried forward 14 -€33,800 -€22,547 +€11,253 +33.3%
Amounts payable 17/49 €69,627 €82,973 +€13,346 +19.2%
Amounts payable within one year 42/48 €69,627 €82,973 +€13,346 +19.2%
Trade debts 44 €20,431 €28,969 +€8,539 +41.8%
Suppliers 440/4 €20,431 €28,969 +€8,539 +41.8%
Taxes, remuneration and social security 45 €46,722 €52,253 +€5,531 +11.8%
Remuneration and social security 454/9 €46,722 €52,253 +€5,531 +11.8%
Other amounts payable 47/48 €2,474 €1,750 -€724 -29.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €1,804 €2,076 +€271 +15.0%
Other operating charges 640/8 €1,724 €2,615 +€890 +51.6%
Gross operating margin 9900 €8,558 €22,026 +€13,468 +157.4%
Operating profit (loss) 9901 €5,030 €17,336 +€12,306 +244.7%
Financial income 75/76B €2 - -€2
Recurring financial income 75 €2 - -€2
Financial charges 65/66B €94 €83 -€11 -11.6%
Recurring financial charges 65 €94 €83 -€11 -11.6%
Profit (loss) for the period before taxes 9903 €4,938 €17,253 +€12,315 +249.4%
Profit (loss) for the period 9904 €4,938 €17,253 +€12,315 +249.4%
Profit (loss) for the period to be appropriated 9905 €4,938 €17,253 +€12,315 +249.4%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.