IMMO SAVE: 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 SAVE
Largest movements
- Tangible fixed assets -€27,817
down €27,817 (-3.7%), from €756,647 to €728,830
- Cash +€11,839
up €11,839 (+69.4%), from €17,059 to €28,897
mainly Depreciation (+€27,817) and Net result for the year (+€13,396)
- Debts after one year -€25,900
down €25,900 (-7.9%), from €325,813 to €299,913
- Other debts +€12,668
up €12,668 (+3.9%), from €324,421 to €337,089
- Profit (loss) carried forward +€10,387
up €10,387, from -€10,387 to €0
- Accrued charges and deferred income -€9,539
down €9,539 (-100%), from €9,539 to €0
- Gross operating margin -€9,032
down €9,032 (-11.9%), from €75,672 to €66,640
- Financial charges +€1,852
up €1,852 (+14.9%), from €12,429 to €14,281
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 | €799,223 | €783,020 | -€16,203 | -2.0% |
| Fixed assets | 21/28 | €756,647 | €728,830 | -€27,817 | -3.7% |
| Tangible fixed assets | 22/27 | €756,647 | €728,830 | -€27,817 | -3.7% |
| Land and buildings | 22 | €756,647 | €728,830 | -€27,817 | -3.7% |
| Current assets | 29/58 | €42,576 | €54,190 | +€11,614 | +27.3% |
| Amounts receivable within one year | 40/41 | €24,865 | €24,619 | -€247 | -1.0% |
| Trade receivables | 40 | €24,350 | €0 | -€24,350 | -100% |
| Other amounts receivable | 41 | €515 | €24,619 | +€24,103 | +4,676% |
| Cash at bank and in hand | 54/58 | €17,059 | €28,897 | +€11,839 | +69.4% |
| Deferred charges and accrued income | 490/1 | €652 | €674 | +€22 | +3.4% |
| Total equity and liabilities | 10/49 | €799,223 | €783,020 | -€16,203 | -2.0% |
| Equity | 10/15 | €99,613 | €113,009 | +€13,396 | +13.4% |
| Contributions | 10/11 | €100,000 | €100,000 | = | 0.0% |
| Reserves | 13 | €10,000 | €13,009 | +€3,009 | +30.1% |
| Non-distributable reserves | 130/1 | €0 | - | = | |
| Reserves not available under the articles | 1311 | €0 | - | = | |
| Distributable reserves | 133 | €10,000 | €13,009 | +€3,009 | +30.1% |
| Profit (loss) carried forward | 14 | -€10,387 | €0 | +€10,387 | |
| Amounts payable | 17/49 | €699,609 | €670,011 | -€29,599 | -4.2% |
| Amounts payable after more than one year | 17 | €325,813 | €299,913 | -€25,900 | -7.9% |
| Financial debts | 170/4 | €325,813 | €299,913 | -€25,900 | -7.9% |
| Amounts payable within one year | 42/48 | €364,258 | €370,098 | +€5,840 | +1.6% |
| Current portion of amounts payable after more than one year | 42 | €32,686 | €29,416 | -€3,270 | -10.0% |
| Trade debts | 44 | €1,438 | €0 | -€1,438 | -100% |
| Suppliers | 440/4 | €1,438 | €0 | -€1,438 | -100% |
| Advances received on contracts in progress | 46 | €2,420 | €0 | -€2,420 | -100% |
| Taxes, remuneration and social security | 45 | €3,292 | €3,593 | +€301 | +9.1% |
| Taxes | 450/3 | €3,292 | €3,593 | +€301 | +9.1% |
| Other amounts payable | 47/48 | €324,421 | €337,089 | +€12,668 | +3.9% |
| Accrued charges and deferred income | 492/3 | €9,539 | €0 | -€9,539 | -100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €27,817 | €27,817 | = | 0.0% |
| Other operating charges | 640/8 | €10,462 | €10,846 | +€383 | +3.7% |
| Gross operating margin | 9900 | €75,672 | €66,640 | -€9,032 | -11.9% |
| Operating profit (loss) | 9901 | €37,394 | €27,978 | -€9,416 | -25.2% |
| Financial income | 75/76B | - | €0 | +€0 | |
| Recurring financial income | 75 | - | €0 | +€0 | |
| Financial charges | 65/66B | €12,429 | €14,281 | +€1,852 | +14.9% |
| Recurring financial charges | 65 | €12,429 | €14,281 | +€1,852 | +14.9% |
| Profit (loss) for the period before taxes | 9903 | €24,965 | €13,697 | -€11,268 | -45.1% |
| Income taxes | 67/77 | - | €301 | +€301 | |
| Profit (loss) for the period | 9904 | €24,965 | €13,396 | -€11,569 | -46.3% |
| Profit (loss) for the period to be appropriated | 9905 | €24,965 | €13,396 | -€11,569 | -46.3% |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 25 October 2026 via checked.be.