KREDIBOSS: 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.
KREDIBOSS
Largest movements
- Receivables within one year -€77,196
down €77,196 (-90.4%), from €85,392 to €8,197
of which Other amounts receivable: -€74,623
- Cash -€6,985
down €6,985 (-74.1%), from €9,427 to €2,441
mainly Net result for the year (-€46,414) and Other debts (-€29,240)
- Tangible fixed assets -€1,342
down €1,342 (-24.4%), from €5,498 to €4,156
of which Plant, machinery and equipment: -€769
- Profit (loss) carried forward -€46,414
down €46,414 (-15.5%), from -€299,246 to -€345,660
- Other debts -€29,240
down €29,240 (-8.9%), from €328,645 to €299,405
- Trade debts -€9,628
down €9,628 (-96.0%), from €10,031 to €403
- Gross operating margin -€80,852
down €80,852, from €47,491 to -€33,361
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.
Cash bridge derived
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 | €100,555 | €15,048 | -€85,507 | -85.0% |
| Fixed assets | 21/28 | €5,499 | €4,157 | -€1,342 | -24.4% |
| Tangible fixed assets | 22/27 | €5,498 | €4,156 | -€1,342 | -24.4% |
| Land and buildings | 22 | €0 | - | = | |
| Plant, machinery and equipment | 23 | €4,925 | €4,156 | -€769 | -15.6% |
| Furniture and vehicles | 24 | €573 | €0 | -€573 | -100.0% |
| Financial fixed assets | 28 | €1 | €1 | = | 0.0% |
| Current assets | 29/58 | €95,056 | €10,890 | -€84,166 | -88.5% |
| Amounts receivable within one year | 40/41 | €85,392 | €8,197 | -€77,196 | -90.4% |
| Trade receivables | 40 | €10,770 | €8,197 | -€2,573 | -23.9% |
| Other amounts receivable | 41 | €74,623 | €0 | -€74,623 | -100.0% |
| Cash at bank and in hand | 54/58 | €9,427 | €2,441 | -€6,985 | -74.1% |
| Deferred charges and accrued income | 490/1 | €237 | €252 | +€16 | +6.5% |
| Total equity and liabilities | 10/49 | €100,555 | €15,048 | -€85,507 | -85.0% |
| Equity | 10/15 | -€248,428 | -€294,842 | -€46,414 | -18.7% |
| Contributions | 10/11 | €18,592 | €18,592 | = | 0.0% |
| Reserves | 13 | €32,226 | €32,226 | = | 0.0% |
| Distributable reserves | 133 | €32,226 | €32,226 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€299,246 | -€345,660 | -€46,414 | -15.5% |
| Amounts payable | 17/49 | €348,983 | €309,889 | -€39,094 | -11.2% |
| Amounts payable within one year | 42/48 | €339,630 | €299,969 | -€39,662 | -11.7% |
| Trade debts | 44 | €10,031 | €403 | -€9,628 | -96.0% |
| Suppliers | 440/4 | €10,031 | €403 | -€9,628 | -96.0% |
| Taxes, remuneration and social security | 45 | €955 | €161 | -€793 | -83.1% |
| Taxes | 450/3 | €955 | €161 | -€793 | -83.1% |
| Other amounts payable | 47/48 | €328,645 | €299,405 | -€29,240 | -8.9% |
| Accrued charges and deferred income | 492/3 | €9,353 | €9,921 | +€568 | +6.1% |
| Non-recurring operating income | 76A | €20,504 | €0 | -€20,504 | -100.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,078 | €2,779 | -€299 | -9.7% |
| Other operating charges | 640/8 | €779 | €632 | -€148 | -19.0% |
| Gross operating margin | 9900 | €47,491 | -€33,361 | -€80,852 | |
| Operating profit (loss) | 9901 | €43,634 | -€36,771 | -€80,406 | |
| Financial charges | 65/66B | €9,785 | €9,600 | -€185 | -1.9% |
| Recurring financial charges | 65 | €9,785 | €9,600 | -€185 | -1.9% |
| Profit (loss) for the period before taxes | 9903 | €33,849 | -€46,371 | -€80,220 | |
| Income taxes | 67/77 | €326 | €42 | -€284 | -87.0% |
| Profit (loss) for the period | 9904 | €33,523 | -€46,414 | -€79,936 | |
| Profit (loss) for the period to be appropriated | 9905 | €33,523 | -€46,414 | -€79,936 |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 8 October 2026 via checked.be.