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JVD: 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

JVD

BE 0473.692.174
NACE 41.001, General construction of residential buildings
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€198,369
2024 · €310,575-€112,206
Equity
€409,638
2024 · €320,791+€88,847
Cash
€23,012
2024 · €117,294-€94,282
Balance sheet total
€881,301
2024 · €1.1m-€218,347

Largest movements

2024 to 2025
Assets
  • Receivables after one year -€199,553

    no longer reported in 2025 (was €199,553)

  • Cash -€94,282

    down €94,282 (-80.4%), from €117,294 to €23,012

    mainly Trade debts (-€160,243) and Contributions, distributions and other (-€109,522)

  • Receivables within one year +€86,987

    up €86,987 (+27.1%), from €321,382 to €408,369

    of which Trade receivables: +€195,228

Equity and liabilities
  • Trade debts -€160,243

    down €160,243 (-76.8%), from €208,615 to €48,372

  • Other debts -€100,226

    down €100,226 (-62.3%), from €160,950 to €60,724

  • Profit (loss) carried forward +€88,847

    up €88,847 (+31.9%), from €278,306 to €367,153

  • Tax, wage and social debts -€76,430

    down €76,430 (-67.2%), from €113,789 to €37,359

  • Accrued charges and deferred income +€42,669

    up €42,669 (+434.0%), from €9,831 to €52,500

Income statement
  • Gross operating margin -€161,155

    down €161,155 (-33.8%), from €477,260 to €316,105

  • Taxes -€47,912

    down €47,912 (-41.5%), from €115,342 to €67,430

  • Provisions -€13,970

    new in 2025: -€13,970

  • Depreciation +€8,287

    up €8,287 (+16.9%), from €48,988 to €57,275

  • Financial charges +€5,282

    up €5,282 (+754.6%), from €700 to €5,982

From the 2024 result to the 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 2024 €310,575
Gross operating margin -€161,155
Depreciation -€8,287
Provisions +€13,970
Other operating charges +€621
Financial income +€15
Financial charges -€5,282
Taxes +€47,912
Result 2025 €198,369

Cash bridge derived

cash 2024 to 2025

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.

From operations +€60,803
Investment -€46,569
Financing -€108,516
Cash 2024 €117,294
Net result for the year +€198,369
Depreciation +€57,275
Receivables after one year +€199,553
Receivables within one year -€86,987
Deferred charges and accrued income +€793
Provisions -€13,970
Trade debts -€160,243
Tax, wage and social debts -€76,430
Other debts -€100,226
Accrued charges and deferred income +€42,669
Investment in fixed assets (net) -€46,569
Debts after one year -€26,058
Current portion of long-term debt +€27,064
Contributions, distributions and other -€109,522
Cash 2025 €23,012
Every line side by side 52 lines
Line Code 2024 2025 Change %
Total assets 20/58 €1,099,648 €881,301 -€218,347 -19.9%
Fixed assets 21/28 €433,975 €423,269 -€10,706 -2.5%
Tangible fixed assets 22/27 €433,975 €423,269 -€10,706 -2.5%
Land and buildings 22 €326,083 €297,407 -€28,676 -8.8%
Plant, machinery and equipment 23 €94,048 €123,628 +€29,580 +31.5%
Furniture and vehicles 24 €7,234 €2,234 -€5,000 -69.1%
Assets under construction and advance payments 27 €6,610 - -€6,610
Current assets 29/58 €665,673 €458,032 -€207,641 -31.2%
Amounts receivable after more than one year 29 €199,553 - -€199,553
Trade receivables 290 €199,553 - -€199,553
Amounts receivable within one year 40/41 €321,382 €408,369 +€86,987 +27.1%
Trade receivables 40 €213,141 €408,369 +€195,228 +91.6%
Other amounts receivable 41 €108,241 - -€108,241
Current investments 50/53 €25,999 €25,999 = 0.0%
Cash at bank and in hand 54/58 €117,294 €23,012 -€94,282 -80.4%
Deferred charges and accrued income 490/1 €1,445 €652 -€793 -54.9%
Total equity and liabilities 10/49 €1,099,648 €881,301 -€218,347 -19.9%
Equity 10/15 €320,791 €409,638 +€88,847 +27.7%
Contributions 10/11 €19,000 €19,000 = 0.0%
Reserves 13 €23,485 €23,485 = 0.0%
Non-distributable reserves 130/1 - €1,900 +€1,900
Reserves not available under the articles 1311 - €1,900 +€1,900
Tax-exempt reserves 132 €3,446 €3,446 = 0.0%
Distributable reserves 133 €20,039 €18,139 -€1,900 -9.5%
Profit (loss) carried forward 14 €278,306 €367,153 +€88,847 +31.9%
Provisions and deferred taxes 16 €13,970 - -€13,970
Provisions for liabilities and charges 160/5 €13,970 - -€13,970
Other liabilities and charges 164/5 €13,970 - -€13,970
Amounts payable 17/49 €764,887 €471,663 -€293,224 -38.3%
Amounts payable after more than one year 17 €242,683 €216,625 -€26,058 -10.7%
Financial debts 170/4 €242,683 €216,625 -€26,058 -10.7%
Amounts payable within one year 42/48 €512,373 €202,538 -€309,835 -60.5%
Current portion of amounts payable after more than one year 42 €29,019 €56,083 +€27,064 +93.3%
Trade debts 44 €208,615 €48,372 -€160,243 -76.8%
Suppliers 440/4 €208,615 €48,372 -€160,243 -76.8%
Taxes, remuneration and social security 45 €113,789 €37,359 -€76,430 -67.2%
Taxes 450/3 €113,789 €37,359 -€76,430 -67.2%
Other amounts payable 47/48 €160,950 €60,724 -€100,226 -62.3%
Accrued charges and deferred income 492/3 €9,831 €52,500 +€42,669 +434.0%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €48,988 €57,275 +€8,287 +16.9%
Provisions for liabilities and charges: additions (uses and reversals) 635/8 - -€13,970 -€13,970
Other operating charges 640/8 €1,655 €1,034 -€621 -37.5%
Gross operating margin 9900 €477,260 €316,105 -€161,155 -33.8%
Operating profit (loss) 9901 €426,617 €271,766 -€154,851 -36.3%
Financial income 75/76B - €15 +€15
Recurring financial income 75 - €15 +€15
Financial charges 65/66B €700 €5,982 +€5,282 +754.6%
Recurring financial charges 65 €700 €5,982 +€5,282 +754.6%
Profit (loss) for the period before taxes 9903 €425,917 €265,799 -€160,118 -37.6%
Income taxes 67/77 €115,342 €67,430 -€47,912 -41.5%
Profit (loss) for the period 9904 €310,575 €198,369 -€112,206 -36.1%
Profit (loss) for the period to be appropriated 9905 €310,575 €198,369 -€112,206 -36.1%

Source: filed annual accounts (NBB), fiscal years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.