KONKREET: 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.
KONKREET
Largest movements
- Current investments -€1.1m
down €1.1m (-72.4%), from €1.5m to €403,993
- Receivables within one year +€946,808
up €946,808 (+566%), from €167,173 to €1.1m
of which Other amounts receivable: +€946,785
- Cash +€58,138
up €58,138 (+107%), from €54,390 to €112,528
mainly Current investments (+€1.1m) and Net result for the year (+€37,006)
- Tax, wage and social debts -€105,162
down €105,162 (-100.0%), from €105,208 to €45
- Reserves +€37,006
up €37,006 (+2.6%), from €1.4m to €1.5m
of which Distributable reserves: +€39,565
- Financial income -€25,822
down €25,822 (-43.0%), from €60,090 to €34,268
- Gross operating margin -€17,449
down €17,449 (-34.7%), from €50,355 to €32,906
- Taxes -€13,863
down €13,863 (-42.9%), from €32,327 to €18,463
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 | €1,865,938 | €1,794,181 | -€71,757 | -3.8% |
| Fixed assets | 21/28 | €167,804 | €163,679 | -€4,125 | -2.5% |
| Tangible fixed assets | 22/27 | €167,804 | €163,679 | -€4,125 | -2.5% |
| Land and buildings | 22 | €167,804 | €163,679 | -€4,125 | -2.5% |
| Current assets | 29/58 | €1,698,134 | €1,630,502 | -€67,632 | -4.0% |
| Amounts receivable within one year | 40/41 | €167,173 | €1,113,981 | +€946,808 | +566% |
| Trade receivables | 40 | - | €23 | +€23 | |
| Other amounts receivable | 41 | €167,173 | €1,113,958 | +€946,785 | +566% |
| Current investments | 50/53 | €1,466,036 | €403,993 | -€1.1m | -72.4% |
| Cash at bank and in hand | 54/58 | €54,390 | €112,528 | +€58,138 | +107% |
| Deferred charges and accrued income | 490/1 | €10,535 | - | -€10,535 | |
| Total equity and liabilities | 10/49 | €1,865,938 | €1,794,181 | -€71,757 | -3.8% |
| Equity | 10/15 | €1,478,392 | €1,515,397 | +€37,006 | +2.5% |
| Contributions | 10/11 | €62,000 | €62,000 | = | 0.0% |
| Reserves | 13 | €1,416,392 | €1,453,397 | +€37,006 | +2.6% |
| Tax-exempt reserves | 132 | €68,482 | €65,923 | -€2,559 | -3.7% |
| Distributable reserves | 133 | €1,347,910 | €1,387,474 | +€39,565 | +2.9% |
| Provisions and deferred taxes | 16 | €185,176 | €183,858 | -€1,318 | -0.7% |
| Provisions for liabilities and charges | 160/5 | €149,751 | €149,751 | = | 0.0% |
| Pensions and similar obligations | 160 | €149,751 | €149,751 | = | 0.0% |
| Deferred taxes | 168 | €35,424 | €34,107 | -€1,318 | -3.7% |
| Amounts payable | 17/49 | €202,371 | €94,926 | -€107,445 | -53.1% |
| Amounts payable within one year | 42/48 | €202,371 | €94,926 | -€107,445 | -53.1% |
| Taxes, remuneration and social security | 45 | €105,208 | €45 | -€105,162 | -100.0% |
| Taxes | 450/3 | €105,208 | €45 | -€105,162 | -100.0% |
| Other amounts payable | 47/48 | €97,163 | €94,881 | -€2,282 | -2.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €4,125 | €4,125 | = | 0.0% |
| Other operating charges | 640/8 | €8,545 | €8,813 | +€268 | +3.1% |
| Gross operating margin | 9900 | €50,355 | €32,906 | -€17,449 | -34.7% |
| Operating profit (loss) | 9901 | €37,685 | €19,969 | -€17,717 | -47.0% |
| Financial income | 75/76B | €60,090 | €34,268 | -€25,822 | -43.0% |
| Recurring financial income | 75 | €60,090 | €34,268 | -€25,822 | -43.0% |
| Financial charges | 65/66B | €54 | €85 | +€31 | +56.6% |
| Recurring financial charges | 65 | €54 | €85 | +€31 | +56.6% |
| Profit (loss) for the period before taxes | 9903 | €97,721 | €54,151 | -€43,570 | -44.6% |
| Transfer from deferred taxes | 780 | €1,318 | €1,318 | = | 0.0% |
| Income taxes | 67/77 | €32,327 | €18,463 | -€13,863 | -42.9% |
| Profit (loss) for the period | 9904 | €66,712 | €37,006 | -€29,707 | -44.5% |
| Transfer from tax-exempt reserves | 789 | €2,559 | €2,559 | = | 0.0% |
| Profit (loss) for the period to be appropriated | 9905 | €69,271 | €39,565 | -€29,707 | -42.9% |
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 14 October 2026 via checked.be.