INTER-BOUW: 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.
INTER-BOUW
Largest movements
- Receivables within one year -€13,534
down €13,534 (-28.1%), from €48,221 to €34,688
of which Trade receivables: -€15,269
- Cash +€12,233
up €12,233 (+11.9%), from €102,714 to €114,947
mainly Provisions (+€47,556) and Other debts (+€18,256)
- Debts after one year -€87,173
down €87,173 (-31.5%), from €277,000 to €189,827
- Provisions +€47,556
new in 2025: €47,556
- Other debts +€18,256
up €18,256 (+174.1%), from €10,486 to €28,742
- Current portion of long-term debt +€14,478
new in 2025: €14,478
- Reserves +€5,827
up €5,827 (+7.1%), from €81,760 to €87,587
of which Distributable reserves: +€5,827
- Provisions +€47,556
new in 2025: €47,556
- Gross operating margin +€41,859
up €41,859 (+93.1%), from €44,944 to €86,804
- Other operating charges -€28,637
down €28,637 (-84.1%), from €34,070 to €5,433
- Financial charges +€10,760
up €10,760 (+2133.6%), from €504 to €11,264
- Depreciation +€5,033
up €5,033 (+71.7%), from €7,017 to €12,049
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.
Cash bridge derived
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 | €396,202 | €396,494 | +€292 | +0.1% |
| Fixed assets | 21/28 | €240,170 | €238,121 | -€2,049 | -0.9% |
| Tangible fixed assets | 22/27 | €240,170 | €238,121 | -€2,049 | -0.9% |
| Land and buildings | 22 | €230,000 | €224,424 | -€5,576 | -2.4% |
| Plant, machinery and equipment | 23 | €5,628 | €2,880 | -€2,748 | -48.8% |
| Furniture and vehicles | 24 | €4,542 | €10,817 | +€6,275 | +138.2% |
| Current assets | 29/58 | €156,032 | €158,373 | +€2,342 | +1.5% |
| Amounts receivable within one year | 40/41 | €48,221 | €34,688 | -€13,534 | -28.1% |
| Trade receivables | 40 | €40,782 | €25,513 | -€15,269 | -37.4% |
| Other amounts receivable | 41 | €7,440 | €9,175 | +€1,735 | +23.3% |
| Cash at bank and in hand | 54/58 | €102,714 | €114,947 | +€12,233 | +11.9% |
| Deferred charges and accrued income | 490/1 | €5,096 | €8,739 | +€3,642 | +71.5% |
| Total equity and liabilities | 10/49 | €396,202 | €396,494 | +€292 | +0.1% |
| Equity | 10/15 | €100,352 | €106,179 | +€5,827 | +5.8% |
| Contributions | 10/11 | €18,592 | €18,592 | = | 0.0% |
| Reserves | 13 | €81,760 | €87,587 | +€5,827 | +7.1% |
| Non-distributable reserves | 130/1 | €1,859 | €1,859 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,859 | €1,859 | = | 0.0% |
| Distributable reserves | 133 | €79,901 | €85,728 | +€5,827 | +7.3% |
| Provisions and deferred taxes | 16 | - | €47,556 | +€47,556 | |
| Provisions for liabilities and charges | 160/5 | - | €47,556 | +€47,556 | |
| Other liabilities and charges | 164/5 | - | €47,556 | +€47,556 | |
| Amounts payable | 17/49 | €295,850 | €242,759 | -€53,091 | -17.9% |
| Amounts payable after more than one year | 17 | €277,000 | €189,827 | -€87,173 | -31.5% |
| Financial debts | 170/4 | €277,000 | €189,827 | -€87,173 | -31.5% |
| Amounts payable within one year | 42/48 | €18,850 | €52,931 | +€34,082 | +180.8% |
| Current portion of amounts payable after more than one year | 42 | - | €14,478 | +€14,478 | |
| Financial debts | 43 | €1,160 | €1,686 | +€526 | +45.4% |
| Credit institutions | 430/8 | €1,160 | €1,686 | +€526 | +45.4% |
| Trade debts | 44 | €6,131 | €6,898 | +€766 | +12.5% |
| Suppliers | 440/4 | €6,131 | €6,898 | +€766 | +12.5% |
| Taxes, remuneration and social security | 45 | €1,072 | €1,127 | +€55 | +5.1% |
| Taxes | 450/3 | €26 | €1,127 | +€1,101 | +4162.7% |
| Remuneration and social security | 454/9 | €1,046 | - | -€1,046 | |
| Other amounts payable | 47/48 | €10,486 | €28,742 | +€18,256 | +174.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €7,017 | €12,049 | +€5,033 | +71.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | - | €2,478 | +€2,478 | |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | - | €47,556 | +€47,556 | |
| Other operating charges | 640/8 | €34,070 | €5,433 | -€28,637 | -84.1% |
| Gross operating margin | 9900 | €44,944 | €86,804 | +€41,859 | +93.1% |
| Operating profit (loss) | 9901 | €3,858 | €19,288 | +€15,430 | +400.0% |
| Financial income | 75/76B | €51 | - | -€51 | |
| Recurring financial income | 75 | €51 | - | -€51 | |
| Financial charges | 65/66B | €504 | €11,264 | +€10,760 | +2133.6% |
| Recurring financial charges | 65 | €504 | €11,264 | +€10,760 | +2133.6% |
| Profit (loss) for the period before taxes | 9903 | €3,404 | €8,024 | +€4,620 | +135.7% |
| Income taxes | 67/77 | €684 | €2,197 | +€1,513 | +221.3% |
| Profit (loss) for the period | 9904 | €2,720 | €5,827 | +€3,107 | +114.2% |
| Profit (loss) for the period to be appropriated | 9905 | €2,720 | €5,827 | +€3,107 | +114.2% |
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 9 October 2026 via checked.be.