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INTEGRAL: 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

INTEGRAL

BE 0436.200.090
NACE 43.320, Joinery installation
fiscal year 31-12-2024 against 31-12-2025filed annual accounts (NBB)
Net result for the year
-€1.4m
31-12-2024 · -€1.4m-€7,408
Equity
-€1.3m
31-12-2024 · €122,088-€1.4m
Cash
€85,130
31-12-2024 · €527,043-€441,913
Balance sheet total
€2.3m
31-12-2024 · €3.3m-€1.0m

Largest movements

31-12-2024 to 31-12-2025
Assets
  • Cash -€441,913

    down €441,913 (-83.8%), from €527,043 to €85,130

    mainly Net result for the year (-€1.4m) and Current portion of long-term debt (-€89,542)

  • Stocks and contracts -€226,082

    down €226,082 (-27.6%), from €817,664 to €591,582

    of which Stocks: -€222,871

  • Receivables within one year -€201,081

    down €201,081 (-19.4%), from €1.0m to €833,319

    of which Trade receivables: -€156,094

  • Tangible fixed assets -€140,287

    down €140,287 (-14.5%), from €968,989 to €828,702

    of which Leasing and similar rights: -€263,563

Equity and liabilities
  • Profit (loss) carried forward -€1.4m

    down €1.4m (-100.5%), from -€1.4m to -€2.8m

  • Trade debts +€268,123

    up €268,123 (+24.1%), from €1.1m to €1.4m

  • Short-term financial debts +€148,826

    up €148,826 (+73.1%), from €203,617 to €352,443

  • Debts after one year +€119,579

    up €119,579 (+78.5%), from €152,291 to €271,871

  • Current portion of long-term debt -€89,542

    down €89,542 (-55.5%), from €161,288 to €71,746

Income statement
  • Other operating charges +€201,371

    up €201,371 (+77.1%), from €261,147 to €462,517

  • Staff costs -€139,132

    down €139,132 (-5.2%), from €2.7m to €2.5m

  • Write-downs -€65,931

    down €65,931 (-22.5%), from -€293,022 to -€358,953

  • Depreciation -€28,583

    down €28,583 (-12.0%), from €238,085 to €209,502

From the 31-12-2024 result to the 31-12-2025 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 31-12-2024 -€1.4m
Gross operating margin +€3,634
Staff costs +€139,132
Depreciation +€28,583
Write-downs +€65,931
Other operating charges -€201,371
Other operating items -€41,053
Financial income -€15,058
Financial charges +€12,389
Taxes +€403
Result 31-12-2025 -€1.4m

Cash bridge derived

cash 31-12-2024 to 31-12-2025

Derived from the 31-12-2024 and 31-12-2025 balance sheets and the 31-12-2025 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations -€551,562
Investment -€69,215
Financing +€178,864
Cash 31-12-2024 €527,043
Net result for the year -€1.4m
Depreciation +€209,502
Stocks and contracts +€226,082
Receivables within one year +€201,081
Trade debts +€268,123
Tax, wage and social debts -€45,882
Advances received +€43,367
Other debts -€409
Accrued charges and deferred income -€66,447
Investment in fixed assets (net) -€69,215
Debts after one year +€119,579
Current portion of long-term debt -€89,542
Short-term financial debts +€148,826
Cash 31-12-2025 €85,130
Every line side by side 58 lines
Line Code 31-12-2024 31-12-2025 Change %
Total assets 20/58 €3,348,096 €2,338,732 -€1.0m -30.1%
Fixed assets 21/28 €968,989 €828,702 -€140,287 -14.5%
Tangible fixed assets 22/27 €968,989 €828,702 -€140,287 -14.5%
Land and buildings 22 €18,909 €15,017 -€3,892 -20.6%
Plant, machinery and equipment 23 €494,957 €654,196 +€159,239 +32.2%
Furniture and vehicles 24 €10,917 €5,845 -€5,072 -46.5%
Leasing and similar rights 25 €390,206 €126,643 -€263,563 -67.5%
Other tangible fixed assets 26 €54,000 €27,000 -€27,000 -50.0%
Current assets 29/58 €2,379,107 €1,510,031 -€869,077 -36.5%
Stocks and contracts in progress 3 €817,664 €591,582 -€226,082 -27.6%
Stocks 30/36 €453,819 €230,948 -€222,871 -49.1%
Contracts in progress 37 €363,845 €360,634 -€3,211 -0.9%
Amounts receivable within one year 40/41 €1,034,400 €833,319 -€201,081 -19.4%
Trade receivables 40 €799,660 €643,567 -€156,094 -19.5%
Other amounts receivable 41 €234,740 €189,752 -€44,988 -19.2%
Cash at bank and in hand 54/58 €527,043 €85,130 -€441,913 -83.8%
Deferred charges and accrued income 490/1 €0 - =
Total equity and liabilities 10/49 €3,348,096 €2,338,732 -€1.0m -30.1%
Equity 10/15 €122,088 -€1,264,893 -€1.4m
Contributions 10/11 €1,081,540 €1,081,540 = 0.0%
Capital 10 €1,081,540 €1,081,540 = 0.0%
Issued capital 100 €1,081,540 €1,081,540 = 0.0%
Reserves 13 €420,120 €420,120 = 0.0%
Non-distributable reserves 130/1 €44,500 €44,500 = 0.0%
Legal reserve 130 €44,500 €44,500 = 0.0%
Distributable reserves 133 €375,620 €375,620 = 0.0%
Profit (loss) carried forward 14 -€1,379,572 -€2,766,553 -€1.4m -100.5%
Amounts payable 17/49 €3,226,008 €3,603,625 +€377,617 +11.7%
Amounts payable after more than one year 17 €152,291 €271,871 +€119,579 +78.5%
Financial debts 170/4 €152,291 €271,871 +€119,579 +78.5%
Amounts payable within one year 42/48 €2,979,333 €3,303,817 +€324,484 +10.9%
Current portion of amounts payable after more than one year 42 €161,288 €71,746 -€89,542 -55.5%
Financial debts 43 €203,617 €352,443 +€148,826 +73.1%
Credit institutions 430/8 €203,617 €352,443 +€148,826 +73.1%
Trade debts 44 €1,111,577 €1,379,700 +€268,123 +24.1%
Suppliers 440/4 €1,111,577 €1,379,700 +€268,123 +24.1%
Advances received on contracts in progress 46 €1,178,391 €1,221,758 +€43,367 +3.7%
Taxes, remuneration and social security 45 €324,051 €278,169 -€45,882 -14.2%
Taxes 450/3 €52,411 €47,689 -€4,722 -9.0%
Remuneration and social security 454/9 €271,640 €230,480 -€41,160 -15.2%
Other amounts payable 47/48 €409 €0 -€409 -100.0%
Accrued charges and deferred income 492/3 €94,385 €27,938 -€66,447 -70.4%
Non-recurring operating income 76A €44,017 €8,739 -€35,278 -80.1%
Remuneration, social security and pensions 62 €2,673,318 €2,534,186 -€139,132 -5.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €238,085 €209,502 -€28,583 -12.0%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) 631/4 -€293,022 -€358,953 -€65,931 -22.5%
Other operating charges 640/8 €261,147 €462,517 +€201,371 +77.1%
Non-recurring operating charges 66A €7,706 €48,759 +€41,053 +532.8%
Gross operating margin 9900 €1,536,047 €1,539,681 +€3,634 +0.2%
Operating profit (loss) 9901 -€1,351,187 -€1,356,329 -€5,142 -0.4%
Financial income 75/76B €22,547 €7,489 -€15,058 -66.8%
Recurring financial income 75 €22,547 €7,489 -€15,058 -66.8%
Financial charges 65/66B €48,255 €35,866 -€12,389 -25.7%
Recurring financial charges 65 €48,255 €35,866 -€12,389 -25.7%
Profit (loss) for the period before taxes 9903 -€1,376,895 -€1,384,706 -€7,811 -0.6%
Income taxes 67/77 €2,677 €2,274 -€403 -15.1%
Profit (loss) for the period 9904 -€1,379,572 -€1,386,981 -€7,408 -0.5%
Profit (loss) for the period to be appropriated 9905 -€1,379,572 -€1,386,981 -€7,408 -0.5%

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.