Kreadiv: 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.
Kreadiv
Largest movements
- Cash +€9,086
up €9,086 (+113%), from €8,043 to €17,129
mainly Net result for the year (+€11,406) and Tax, wage and social debts (+€1,326)
- Receivables within one year +€1,989
up €1,989 (+41.0%), from €4,849 to €6,838
- Tangible fixed assets +€1,303
up €1,303 (+384%), from €339 to €1,642
- Profit (loss) carried forward +€11,406
up €11,406 (+207%), from €5,502 to €16,908
- Tax, wage and social debts +€1,326
up €1,326 (+58.6%), from €2,263 to €3,589
- Other debts -€632
down €632 (-18.0%), from €3,515 to €2,883
- Trade debts +€496
up €496 (+1,063%), from €47 to €543
- Gross operating margin +€15,678
up €15,678, from -€241 to €15,437
- Taxes +€3,109
up €3,109 (+922%), from €337 to €3,446
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 | €13,326 | €25,922 | +€12,596 | +94.5% |
| Fixed assets | 21/28 | €339 | €1,642 | +€1,303 | +384% |
| Tangible fixed assets | 22/27 | €339 | €1,642 | +€1,303 | +384% |
| Plant, machinery and equipment | 23 | €339 | €1,642 | +€1,303 | +384% |
| Current assets | 29/58 | €12,987 | €24,280 | +€11,293 | +87.0% |
| Amounts receivable within one year | 40/41 | €4,849 | €6,838 | +€1,989 | +41.0% |
| Trade receivables | 40 | €4,849 | €6,838 | +€1,989 | +41.0% |
| Cash at bank and in hand | 54/58 | €8,043 | €17,129 | +€9,086 | +113% |
| Deferred charges and accrued income | 490/1 | €94 | €313 | +€218 | +232% |
| Total equity and liabilities | 10/49 | €13,326 | €25,922 | +€12,596 | +94.5% |
| Equity | 10/15 | €7,502 | €18,908 | +€11,406 | +152% |
| Contributions | 10/11 | €2,000 | €2,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €5,502 | €16,908 | +€11,406 | +207% |
| Amounts payable | 17/49 | €5,824 | €7,014 | +€1,190 | +20.4% |
| Amounts payable within one year | 42/48 | €5,824 | €7,014 | +€1,190 | +20.4% |
| Trade debts | 44 | €47 | €543 | +€496 | +1,063% |
| Suppliers | 440/4 | €47 | €543 | +€496 | +1,063% |
| Taxes, remuneration and social security | 45 | €2,263 | €3,589 | +€1,326 | +58.6% |
| Taxes | 450/3 | €2,263 | €3,589 | +€1,326 | +58.6% |
| Other amounts payable | 47/48 | €3,515 | €2,883 | -€632 | -18.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €304 | €354 | +€50 | +16.3% |
| Gross operating margin | 9900 | -€241 | €15,437 | +€15,678 | |
| Operating profit (loss) | 9901 | -€546 | €15,083 | +€15,629 | |
| Financial income | 75/76B | €0 | €19 | +€19 | |
| Recurring financial income | 75 | €0 | €19 | +€19 | |
| Financial charges | 65/66B | €167 | €250 | +€83 | +50.0% |
| Recurring financial charges | 65 | €167 | €250 | +€83 | +50.0% |
| Profit (loss) for the period before taxes | 9903 | -€712 | €14,852 | +€15,565 | |
| Income taxes | 67/77 | €337 | €3,446 | +€3,109 | +922% |
| Profit (loss) for the period | 9904 | -€1,050 | €11,406 | +€12,456 | |
| Profit (loss) for the period to be appropriated | 9905 | -€1,050 | €11,406 | +€12,456 |
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 18 October 2026 via checked.be.