IMMO CHAMBART: 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.
IMMO CHAMBART
Largest movements
- Cash -€21,485
down €21,485 (-41.3%), from €51,986 to €30,501
mainly Receivables within one year (-€19,701) and Tax, wage and social debts (-€16,494)
- Receivables within one year +€19,701
up €19,701 (+63.3%), from €31,103 to €50,804
of which Other amounts receivable: +€20,364
- Tangible fixed assets -€1,491
down €1,491 (-18.6%), from €7,998 to €6,507
of which Furniture and vehicles: -€1,264
- Tax, wage and social debts -€16,494
down €16,494 (-80.6%), from €20,460 to €3,966
of which Taxes: -€16,746
- Profit (loss) carried forward +€10,755
up €10,755 (+21.3%), from €50,604 to €61,359
- Trade debts +€5,797
up €5,797 (+319%), from €1,820 to €7,617
- Current portion of long-term debt -€2,412
no longer reported in 2025 (was €2,412)
- Gross operating margin -€15,745
down €15,745 (-43.7%), from €36,007 to €20,262
- Taxes -€3,123
down €3,123 (-48.3%), from €6,464 to €3,341
- Depreciation -€3,070
down €3,070 (-46.0%), from €6,671 to €3,601
- Staff costs +€1,362
new in 2025: €1,362
- Financial income +€869
up €869 (+217%), from €400 to €1,269
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 | €91,693 | €89,339 | -€2,354 | -2.6% |
| Fixed assets | 21/28 | €7,998 | €6,630 | -€1,368 | -17.1% |
| Tangible fixed assets | 22/27 | €7,998 | €6,507 | -€1,491 | -18.6% |
| Furniture and vehicles | 24 | €6,084 | €4,820 | -€1,264 | -20.8% |
| Other tangible fixed assets | 26 | €1,914 | €1,687 | -€227 | -11.9% |
| Financial fixed assets | 28 | - | €123 | +€123 | |
| Current assets | 29/58 | €83,695 | €82,709 | -€986 | -1.2% |
| Amounts receivable within one year | 40/41 | €31,103 | €50,804 | +€19,701 | +63.3% |
| Trade receivables | 40 | €19,995 | €19,332 | -€663 | -3.3% |
| Other amounts receivable | 41 | €11,108 | €31,472 | +€20,364 | +183% |
| Cash at bank and in hand | 54/58 | €51,986 | €30,501 | -€21,485 | -41.3% |
| Deferred charges and accrued income | 490/1 | €606 | €1,404 | +€798 | +132% |
| Total equity and liabilities | 10/49 | €91,693 | €89,339 | -€2,354 | -2.6% |
| Equity | 10/15 | €67,001 | €77,756 | +€10,755 | +16.1% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Contributions outside capital | 11 | €6,200 | - | -€6,200 | |
| Other | 1109/19 | €6,200 | - | -€6,200 | |
| Reserves | 13 | €10,197 | €10,197 | = | 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% |
| Tax-exempt reserves | 132 | €8,337 | €8,337 | = | 0.0% |
| Profit (loss) carried forward | 14 | €50,604 | €61,359 | +€10,755 | +21.3% |
| Amounts payable | 17/49 | €24,692 | €11,583 | -€13,109 | -53.1% |
| Amounts payable within one year | 42/48 | €24,692 | €11,583 | -€13,109 | -53.1% |
| Current portion of amounts payable after more than one year | 42 | €2,412 | - | -€2,412 | |
| Trade debts | 44 | €1,820 | €7,617 | +€5,797 | +319% |
| Suppliers | 440/4 | €1,820 | €7,617 | +€5,797 | +319% |
| Taxes, remuneration and social security | 45 | €20,460 | €3,966 | -€16,494 | -80.6% |
| Taxes | 450/3 | €20,460 | €3,714 | -€16,746 | -81.8% |
| Remuneration and social security | 454/9 | - | €252 | +€252 | |
| Remuneration, social security and pensions | 62 | - | €1,362 | +€1,362 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €6,671 | €3,601 | -€3,070 | -46.0% |
| Other operating charges | 640/8 | €1,295 | €2,098 | +€803 | +62.0% |
| Gross operating margin | 9900 | €36,007 | €20,262 | -€15,745 | -43.7% |
| Operating profit (loss) | 9901 | €28,041 | €13,201 | -€14,840 | -52.9% |
| Financial income | 75/76B | €400 | €1,269 | +€869 | +217% |
| Recurring financial income | 75 | €400 | €1,269 | +€869 | +217% |
| Financial charges | 65/66B | €584 | €374 | -€210 | -36.0% |
| Recurring financial charges | 65 | €584 | €374 | -€210 | -36.0% |
| Profit (loss) for the period before taxes | 9903 | €27,857 | €14,096 | -€13,761 | -49.4% |
| Income taxes | 67/77 | €6,464 | €3,341 | -€3,123 | -48.3% |
| Profit (loss) for the period | 9904 | €21,393 | €10,755 | -€10,638 | -49.7% |
| Profit (loss) for the period to be appropriated | 9905 | €21,393 | €10,755 | -€10,638 | -49.7% |
Source: filed annual accounts (NBB), financial years ended 31 March 2024 and 31 March 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 19 October 2026 via checked.be.