KREDIETPARTNER: 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.
KREDIETPARTNER
Largest movements
- Cash +€330,974
up €330,974 (+362%), from €91,503 to €422,477
mainly Debts after one year (+€138,000) and Receivables within one year (+€86,758)
- Receivables within one year -€86,758
down €86,758 (-2.2%), from €4.0m to €3.9m
of which Other amounts receivable: -€297,494
- Debts after one year +€138,000
up €138,000 (+4.9%), from €2.8m to €3.0m
- Other debts +€86,696
up €86,696 (+45.3%), from €191,507 to €278,203
- Gross operating margin +€106,740
up €106,740, from -€28,186 to €78,554
- Staff costs +€15,348
up €15,348 (+53.5%), from €28,693 to €44,041
- Financial income -€1,935
down €1,935 (-95.9%), from €2,017 to €82
of which Financial income: -€1,935
- Depreciation -€903
down €903 (-24.5%), from €3,685 to €2,782
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 | €4,114,915 | €4,356,349 | +€241,434 | +5.9% |
| Fixed assets | 21/28 | €8,870 | €6,088 | -€2,782 | -31.4% |
| Tangible fixed assets | 22/27 | €8,870 | €6,088 | -€2,782 | -31.4% |
| Plant, machinery and equipment | 23 | €8,870 | €6,088 | -€2,782 | -31.4% |
| Current assets | 29/58 | €4,106,045 | €4,350,261 | +€244,216 | +5.9% |
| Amounts receivable within one year | 40/41 | €4,003,161 | €3,916,403 | -€86,758 | -2.2% |
| Trade receivables | 40 | €337,221 | €547,957 | +€210,736 | +62.5% |
| Other amounts receivable | 41 | €3,665,940 | €3,368,446 | -€297,494 | -8.1% |
| Current investments | 50/53 | €10,000 | €10,000 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €91,503 | €422,477 | +€330,974 | +362% |
| Deferred charges and accrued income | 490/1 | €1,381 | €1,381 | = | 0.0% |
| Total equity and liabilities | 10/49 | €4,114,915 | €4,356,349 | +€241,434 | +5.9% |
| Equity | 10/15 | €610,180 | €641,149 | +€30,969 | +5.1% |
| Contributions | 10/11 | €328,592 | €328,592 | = | 0.0% |
| Capital | 10 | €328,592 | - | -€328,592 | |
| Issued capital | 100 | €328,592 | - | -€328,592 | |
| Reserves | 13 | €378,740 | €378,740 | = | 0.0% |
| Non-distributable reserves | 130/1 | €51,359 | €51,359 | = | 0.0% |
| Legal reserve | 130 | €51,359 | - | -€51,359 | |
| Reserves not available under the articles | 1311 | - | €51,359 | +€51,359 | |
| Distributable reserves | 133 | €327,381 | €327,381 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€97,152 | -€66,183 | +€30,969 | +31.9% |
| Amounts payable | 17/49 | €3,504,735 | €3,715,200 | +€210,465 | +6.0% |
| Amounts payable after more than one year | 17 | €2,827,230 | €2,965,230 | +€138,000 | +4.9% |
| Financial debts | 170/4 | €2,827,230 | €2,965,230 | +€138,000 | +4.9% |
| Amounts payable within one year | 42/48 | €677,505 | €749,970 | +€72,465 | +10.7% |
| Trade debts | 44 | €485,998 | €471,767 | -€14,231 | -2.9% |
| Suppliers | 440/4 | €485,998 | €471,767 | -€14,231 | -2.9% |
| Other amounts payable | 47/48 | €191,507 | €278,203 | +€86,696 | +45.3% |
| Remuneration, social security and pensions | 62 | €28,693 | €44,041 | +€15,348 | +53.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,685 | €2,782 | -€903 | -24.5% |
| Gross operating margin | 9900 | -€28,186 | €78,554 | +€106,740 | |
| Operating profit (loss) | 9901 | -€60,564 | €31,731 | +€92,295 | |
| Financial income | 75/76B | €2,017 | €82 | -€1,935 | -95.9% |
| Recurring financial income | 75 | €2,017 | €82 | -€1,935 | -95.9% |
| Non-recurring financial income | 76B | €2,017 | €82 | -€1,935 | -95.9% |
| Financial charges | 65/66B | €257 | €844 | +€587 | +228% |
| Recurring financial charges | 65 | €257 | €844 | +€587 | +228% |
| Non-recurring financial charges | 66B | €257 | €844 | +€587 | +228% |
| Profit (loss) for the period before taxes | 9903 | -€58,804 | €30,969 | +€89,773 | |
| Profit (loss) for the period | 9904 | -€58,804 | €30,969 | +€89,773 | |
| Profit (loss) for the period to be appropriated | 9905 | -€58,804 | €30,969 | +€89,773 |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 15 October 2026 via checked.be.