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ISAFA: 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

ISAFA

BE 0803.459.809
NACE 47.110, Non-specialised retail sale with food, beverages or tobacco predominating
fiscal year 2023 against 2024filed annual accounts (NBB)
Net result for the year
-€121,333
2023 · €7,494-€128,826
Equity
-€13,839
2023 · €107,494-€121,333
Cash
€723,474
2023 · €688,631+€34,842
Balance sheet total
€2.6m
2023 · €2.2m+€425,236

Largest movements

2023 to 2024
Assets
  • Receivables within one year +€257,122

    up €257,122 (+47.2%), from €544,688 to €801,809

    of which Other amounts receivable: +€322,540

  • Tangible fixed assets +€208,201

    up €208,201 (+109.1%), from €190,882 to €399,082

    of which Plant, machinery and equipment: +€184,154

  • Stocks and contracts -€84,375

    down €84,375 (-14.9%), from €566,934 to €482,560

  • Deferred charges and accrued income +€49,438

    up €49,438 (+825.6%), from €5,988 to €55,426

  • Intangible fixed assets -€39,991

    down €39,991 (-21.4%), from €186,917 to €146,926

Equity and liabilities
  • Trade debts +€314,138

    up €314,138 (+26.9%), from €1.2m to €1.5m

    of which Suppliers: +€614,138

  • Advances received +€205,889

    new in 2024: €205,889

  • Debts after one year -€159,590

    down €159,590 (-33.8%), from €471,568 to €311,979

    of which Financial debts: -€317,093

  • Profit (loss) carried forward -€121,333

    down €121,333, from €7,119 to -€114,213

  • Accrued charges and deferred income +€83,281

    new in 2024: €83,281

Income statement
  • Gross operating margin +€874,277

    up €874,277 (+154.6%), from €565,606 to €1.4m

  • Staff costs +€763,510

    up €763,510 (+144.7%), from €527,627 to €1.3m

  • Financial charges +€116,035

    up €116,035 (+900.8%), from €12,882 to €128,916

    of which Financial charges: +€87,087

  • Depreciation +€72,624

    up €72,624 (+428.5%), from €16,950 to €89,574

  • Other operating charges +€57,547

    up €57,547 (+5743.6%), from €1,002 to €58,549

From the 2023 result to the 2024 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 2023 €7,494
Gross operating margin +€874,277
Staff costs -€763,510
Depreciation -€72,624
Other operating charges -€57,547
Other operating items -€1,428
Financial income +€8,288
Financial charges -€116,035
Taxes -€248
Result 2024 -€121,333

Cash bridge derived

cash 2023 to 2024

Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations +€382,522
Investment -€257,784
Financing -€89,896
Cash 2023 €688,631
Net result for the year -€121,333
Depreciation +€89,574
Stocks and contracts +€84,375
Receivables within one year -€257,122
Deferred charges and accrued income -€49,438
Trade debts +€314,138
Tax, wage and social debts +€32,106
Advances received +€205,889
Other debts +€1,051
Accrued charges and deferred income +€83,281
Investment in fixed assets (net) -€257,784
Debts after one year -€159,590
Current portion of long-term debt +€69,694
Cash 2024 €723,474
Every line side by side 56 lines
Line Code 2023 2024 Change %
Total assets 20/58 €2,184,041 €2,609,277 +€425,236 +19.5%
Fixed assets 21/28 €377,799 €546,008 +€168,210 +44.5%
Intangible fixed assets 21 €186,917 €146,926 -€39,991 -21.4%
Tangible fixed assets 22/27 €190,882 €399,082 +€208,201 +109.1%
Plant, machinery and equipment 23 €176,507 €360,661 +€184,154 +104.3%
Furniture and vehicles 24 €11,431 €35,626 +€24,195 +211.7%
Other tangible fixed assets 26 €2,943 €2,796 -€148 -5.0%
Current assets 29/58 €1,806,242 €2,063,269 +€257,027 +14.2%
Stocks and contracts in progress 3 €566,934 €482,560 -€84,375 -14.9%
Stocks 30/36 €566,934 €482,560 -€84,375 -14.9%
Amounts receivable within one year 40/41 €544,688 €801,809 +€257,122 +47.2%
Trade receivables 40 €505,147 €439,729 -€65,418 -13.0%
Other amounts receivable 41 €39,540 €362,080 +€322,540 +815.7%
Cash at bank and in hand 54/58 €688,631 €723,474 +€34,842 +5.1%
Deferred charges and accrued income 490/1 €5,988 €55,426 +€49,438 +825.6%
Total equity and liabilities 10/49 €2,184,041 €2,609,277 +€425,236 +19.5%
Equity 10/15 €107,494 -€13,839 -€121,333
Contributions 10/11 €100,000 €100,000 = 0.0%
Capital 10 €100,000 €100,000 = 0.0%
Issued capital 100 €100,000 €100,000 = 0.0%
Reserves 13 €375 €375 = 0.0%
Non-distributable reserves 130/1 €375 €375 = 0.0%
Legal reserve 130 €375 €375 = 0.0%
Profit (loss) carried forward 14 €7,119 -€114,213 -€121,333
Amounts payable 17/49 €2,076,547 €2,623,116 +€546,569 +26.3%
Amounts payable after more than one year 17 €471,568 €311,979 -€159,590 -33.8%
Financial debts 170/4 €471,568 €154,475 -€317,093 -67.2%
Trade debts 175 - €153,704 +€153,704
Other amounts payable 178/9 - €3,800 +€3,800
Amounts payable within one year 42/48 €1,604,978 €2,227,856 +€622,878 +38.8%
Current portion of amounts payable after more than one year 42 €293,504 €363,198 +€69,694 +23.7%
Trade debts 44 €1,169,715 €1,483,853 +€314,138 +26.9%
Suppliers 440/4 €869,715 €1,483,853 +€614,138 +70.6%
Bills of exchange payable 441 €300,000 - -€300,000
Advances received on contracts in progress 46 - €205,889 +€205,889
Taxes, remuneration and social security 45 €134,555 €166,662 +€32,106 +23.9%
Taxes 450/3 €17,844 €2,324 -€15,520 -87.0%
Remuneration and social security 454/9 €116,711 €164,337 +€47,626 +40.8%
Other amounts payable 47/48 €7,204 €8,255 +€1,051 +14.6%
Accrued charges and deferred income 492/3 - €83,281 +€83,281
Non-recurring operating income 76A - €1,962 +€1,962
Remuneration, social security and pensions 62 €527,627 €1,291,137 +€763,510 +144.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €16,950 €89,574 +€72,624 +428.5%
Other operating charges 640/8 €1,002 €58,549 +€57,547 +5743.6%
Non-recurring operating charges 66A €222 €1,650 +€1,428 +641.8%
Gross operating margin 9900 €565,606 €1,439,883 +€874,277 +154.6%
Operating profit (loss) 9901 €19,804 -€1,028 -€20,832
Financial income 75/76B €916 €9,204 +€8,288 +905.2%
Recurring financial income 75 €916 €9,204 +€8,288 +905.2%
Financial charges 65/66B €12,882 €128,916 +€116,035 +900.8%
Recurring financial charges 65 €12,882 €99,968 +€87,087 +676.0%
Non-recurring financial charges 66B - €28,948 +€28,948
Profit (loss) for the period before taxes 9903 €7,838 -€120,741 -€128,579
Income taxes 67/77 €344 €592 +€248 +72.0%
Profit (loss) for the period 9904 €7,494 -€121,333 -€128,826
Profit (loss) for the period to be appropriated 9905 €7,494 -€121,333 -€128,826

Source: filed annual accounts (NBB), fiscal years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.