IMMO LOMBARD: 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 LOMBARD
Largest movements
- Tangible fixed assets -€44,287
down €44,287 (-6.4%), from €689,555 to €645,268
of which Land and buildings: -€48,347
- Debts after one year -€46,434
down €46,434 (-9.6%), from €484,702 to €438,268
of which Financial debts: -€44,974
- Other debts -€22,226
down €22,226 (-19.1%), from €116,390 to €94,164
- Reserves +€22,006
up €22,006 (+95.6%), from €23,021 to €45,027
of which Distributable reserves: +€22,006
- Accrued charges and deferred income +€11,166
up €11,166 (+29.3%), from €38,166 to €49,332
- Gross operating margin +€11,854
up €11,854 (+9.5%), from €124,980 to €136,834
- Depreciation +€3,167
up €3,167 (+5.8%), from €55,006 to €58,172
- Financial charges -€2,985
down €2,985 (-17.0%), from €17,552 to €14,566
- Taxes +€1,650
up €1,650 (+28.4%), from €5,818 to €7,468
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 | €953,296 | €910,258 | -€43,039 | -4.5% |
| Fixed assets | 21/28 | €689,555 | €645,268 | -€44,287 | -6.4% |
| Tangible fixed assets | 22/27 | €689,555 | €645,268 | -€44,287 | -6.4% |
| Land and buildings | 22 | €655,761 | €607,414 | -€48,347 | -7.4% |
| Plant, machinery and equipment | 23 | €30,742 | €35,432 | +€4,690 | +15.3% |
| Furniture and vehicles | 24 | €3,052 | €2,422 | -€629 | -20.6% |
| Current assets | 29/58 | €263,741 | €264,989 | +€1,248 | +0.5% |
| Amounts receivable after more than one year | 29 | €6,294 | - | -€6,294 | |
| Other amounts receivable | 291 | €6,294 | - | -€6,294 | |
| Amounts receivable within one year | 40/41 | €7,557 | €10,328 | +€2,770 | +36.7% |
| Other amounts receivable | 41 | €7,557 | €10,328 | +€2,770 | +36.7% |
| Current investments | 50/53 | €45,221 | €45,767 | +€545 | +1.2% |
| Cash at bank and in hand | 54/58 | €200,861 | €206,362 | +€5,501 | +2.7% |
| Deferred charges and accrued income | 490/1 | €3,807 | €2,533 | -€1,274 | -33.5% |
| Total equity and liabilities | 10/49 | €953,296 | €910,258 | -€43,039 | -4.5% |
| Equity | 10/15 | €256,021 | €278,027 | +€22,006 | +8.6% |
| Contributions | 10/11 | €233,000 | €233,000 | = | 0.0% |
| Capital | 10 | €233,000 | €233,000 | = | 0.0% |
| Issued capital | 100 | €233,000 | €233,000 | = | 0.0% |
| Reserves | 13 | €23,021 | €45,027 | +€22,006 | +95.6% |
| Non-distributable reserves | 130/1 | €6,596 | €6,596 | = | 0.0% |
| Legal reserve | 130 | €6,585 | €6,585 | = | 0.0% |
| Reserves not available under the articles | 1311 | €12 | €12 | = | 0.0% |
| Distributable reserves | 133 | €16,425 | €38,431 | +€22,006 | +134% |
| Amounts payable | 17/49 | €697,275 | €632,230 | -€65,045 | -9.3% |
| Amounts payable after more than one year | 17 | €484,702 | €438,268 | -€46,434 | -9.6% |
| Financial debts | 170/4 | €226,638 | €181,665 | -€44,974 | -19.8% |
| Other amounts payable | 178/9 | €258,064 | €256,604 | -€1,460 | -0.6% |
| Amounts payable within one year | 42/48 | €174,407 | €144,630 | -€29,777 | -17.1% |
| Current portion of amounts payable after more than one year | 42 | €43,277 | €44,974 | +€1,697 | +3.9% |
| Trade debts | 44 | €3,300 | €842 | -€2,458 | -74.5% |
| Suppliers | 440/4 | €3,300 | €842 | -€2,458 | -74.5% |
| Taxes, remuneration and social security | 45 | €11,440 | €4,650 | -€6,790 | -59.4% |
| Taxes | 450/3 | €11,440 | €4,650 | -€6,790 | -59.4% |
| Other amounts payable | 47/48 | €116,390 | €94,164 | -€22,226 | -19.1% |
| Accrued charges and deferred income | 492/3 | €38,166 | €49,332 | +€11,166 | +29.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €55,006 | €58,172 | +€3,167 | +5.8% |
| Other operating charges | 640/8 | €35,133 | €36,453 | +€1,321 | +3.8% |
| Gross operating margin | 9900 | €124,980 | €136,834 | +€11,854 | +9.5% |
| Operating profit (loss) | 9901 | €34,842 | €42,209 | +€7,367 | +21.1% |
| Financial income | 75/76B | €1,187 | €1,831 | +€644 | +54.3% |
| Recurring financial income | 75 | €1,187 | €1,831 | +€644 | +54.3% |
| Financial charges | 65/66B | €17,552 | €14,566 | -€2,985 | -17.0% |
| Recurring financial charges | 65 | €17,552 | €14,566 | -€2,985 | -17.0% |
| Profit (loss) for the period before taxes | 9903 | €18,477 | €29,474 | +€10,996 | +59.5% |
| Income taxes | 67/77 | €5,818 | €7,468 | +€1,650 | +28.4% |
| Profit (loss) for the period | 9904 | €12,659 | €22,006 | +€9,347 | +73.8% |
| Profit (loss) for the period to be appropriated | 9905 | €12,659 | €22,006 | +€9,347 | +73.8% |
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 15 October 2026 via checked.be.