Isolation Façades Graff: 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.
Isolation Façades Graff
Largest movements
- Receivables within one year -€3,931
down €3,931 (-23.0%), from €17,063 to €13,132
of which Trade receivables: -€9,175
- Stocks and contracts -€2,543
down €2,543 (-10.8%), from €23,481 to €20,938
of which Stocks: -€5,893
- Cash +€616
up €616 (+35.8%), from €1,718 to €2,333
mainly Tax, wage and social debts (+€6,883) and Receivables within one year (+€3,931)
- Trade debts -€7,216
down €7,216 (-61.0%), from €11,831 to €4,615
- Tax, wage and social debts +€6,883
up €6,883 (+215%), from €3,195 to €10,078
of which Remuneration and social security: +€6,912
- Provisions -€3,273
no longer reported in 2025 (was €3,273)
- Accrued charges and deferred income -€2,364
no longer reported in 2025 (was €2,364)
- Staff costs +€20,401
up €20,401 (+11.6%), from €176,059 to €196,460
- Gross operating margin +€14,976
up €14,976 (+8.5%), from €175,443 to €190,419
- Provisions -€3,162
down €3,162 (-2,844%), from -€111 to -€3,273
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 | €43,513 | €37,772 | -€5,741 | -13.2% |
| Fixed assets | 21/28 | €515 | €515 | = | 0.0% |
| Financial fixed assets | 28 | €515 | €515 | = | 0.0% |
| Current assets | 29/58 | €42,998 | €37,258 | -€5,741 | -13.4% |
| Stocks and contracts in progress | 3 | €23,481 | €20,938 | -€2,543 | -10.8% |
| Stocks | 30/36 | €23,481 | €17,588 | -€5,893 | -25.1% |
| Contracts in progress | 37 | - | €3,350 | +€3,350 | |
| Amounts receivable within one year | 40/41 | €17,063 | €13,132 | -€3,931 | -23.0% |
| Trade receivables | 40 | €14,496 | €5,321 | -€9,175 | -63.3% |
| Other amounts receivable | 41 | €2,567 | €7,811 | +€5,244 | +204% |
| Cash at bank and in hand | 54/58 | €1,718 | €2,333 | +€616 | +35.8% |
| Deferred charges and accrued income | 490/1 | €736 | €854 | +€118 | +16.0% |
| Total equity and liabilities | 10/49 | €43,513 | €37,772 | -€5,741 | -13.2% |
| Equity | 10/15 | €22,850 | €23,079 | +€229 | +1.0% |
| Contributions | 10/11 | €10,044 | €10,044 | = | 0.0% |
| Reserves | 13 | €70 | €70 | = | 0.0% |
| Non-distributable reserves | 130/1 | €70 | €70 | = | 0.0% |
| Reserves not available under the articles | 1311 | €70 | €70 | = | 0.0% |
| Profit (loss) carried forward | 14 | €12,736 | €12,965 | +€229 | +1.8% |
| Provisions and deferred taxes | 16 | €3,273 | - | -€3,273 | |
| Provisions for liabilities and charges | 160/5 | €3,273 | - | -€3,273 | |
| Other liabilities and charges | 164/5 | €3,273 | - | -€3,273 | |
| Amounts payable | 17/49 | €17,390 | €14,693 | -€2,697 | -15.5% |
| Amounts payable within one year | 42/48 | €15,026 | €14,693 | -€333 | -2.2% |
| Trade debts | 44 | €11,831 | €4,615 | -€7,216 | -61.0% |
| Suppliers | 440/4 | €11,831 | €4,615 | -€7,216 | -61.0% |
| Taxes, remuneration and social security | 45 | €3,195 | €10,078 | +€6,883 | +215% |
| Taxes | 450/3 | €3,195 | €3,166 | -€29 | -0.9% |
| Remuneration and social security | 454/9 | - | €6,912 | +€6,912 | |
| Accrued charges and deferred income | 492/3 | €2,364 | - | -€2,364 | |
| Remuneration, social security and pensions | 62 | €176,059 | €196,460 | +€20,401 | +11.6% |
| Provisions for liabilities and charges: additions (uses and reversals) | 635/8 | -€111 | -€3,273 | -€3,162 | -2,844% |
| Other operating charges | 640/8 | €1,079 | €937 | -€141 | -13.1% |
| Gross operating margin | 9900 | €175,443 | €190,419 | +€14,976 | +8.5% |
| Operating profit (loss) | 9901 | -€1,584 | -€3,706 | -€2,122 | -134% |
| Financial income | 75/76B | €4,533 | €5,167 | +€634 | +14.0% |
| Recurring financial income | 75 | €4,533 | €5,167 | +€634 | +14.0% |
| Financial charges | 65/66B | €115 | €96 | -€19 | -16.7% |
| Recurring financial charges | 65 | €115 | €96 | -€19 | -16.7% |
| Profit (loss) for the period before taxes | 9903 | €2,834 | €1,365 | -€1,469 | -51.8% |
| Income taxes | 67/77 | €1,124 | €1,136 | +€12 | +1.1% |
| Profit (loss) for the period | 9904 | €1,710 | €229 | -€1,481 | -86.6% |
| Profit (loss) for the period to be appropriated | 9905 | €1,710 | €229 | -€1,481 | -86.6% |
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 21 October 2026 via checked.be.