KREDIMMO: 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.
KREDIMMO
Largest movements
- Cash -€6,993
down €6,993 (-52.6%), from €13,290 to €6,297
mainly Investment in fixed assets (net) (-€20,560) and Net result for the year (-€6,287)
- Tangible fixed assets +€4,894
up €4,894 (+2.9%), from €168,583 to €173,478
of which Land and buildings: +€7,259
- Profit (loss) carried forward -€3,387
down €3,387 (-2.6%), from -€128,173 to -€131,560
- Gross operating margin +€18,399
up €18,399, from -€3,992 to €14,407
- Other operating charges +€1,168
up €1,168 (+32.8%), from €3,560 to €4,728
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 | €181,873 | €179,775 | -€2,098 | -1.2% |
| Fixed assets | 21/28 | €168,583 | €173,478 | +€4,894 | +2.9% |
| Tangible fixed assets | 22/27 | €168,583 | €173,478 | +€4,894 | +2.9% |
| Land and buildings | 22 | €156,333 | €163,592 | +€7,259 | +4.6% |
| Plant, machinery and equipment | 23 | €12,250 | €9,886 | -€2,365 | -19.3% |
| Current assets | 29/58 | €13,290 | €6,297 | -€6,993 | -52.6% |
| Cash at bank and in hand | 54/58 | €13,290 | €6,297 | -€6,993 | -52.6% |
| Total equity and liabilities | 10/49 | €181,873 | €179,775 | -€2,098 | -1.2% |
| Equity | 10/15 | -€57,827 | -€61,214 | -€3,387 | -5.9% |
| Contributions | 10/11 | €62,500 | €62,500 | = | 0.0% |
| Reserves | 13 | €7,846 | €7,846 | = | 0.0% |
| Non-distributable reserves | 130/1 | €454 | €454 | = | 0.0% |
| Other | 1319 | €454 | €454 | = | 0.0% |
| Tax-exempt reserves | 132 | €7,392 | €7,392 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€128,173 | -€131,560 | -€3,387 | -2.6% |
| Amounts payable | 17/49 | €239,700 | €240,989 | +€1,289 | +0.5% |
| Amounts payable within one year | 42/48 | €239,700 | €240,989 | +€1,289 | +0.5% |
| Other amounts payable | 47/48 | €239,700 | €240,989 | +€1,289 | +0.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €15,759 | €15,665 | -€94 | -0.6% |
| Other operating charges | 640/8 | €3,560 | €4,728 | +€1,168 | +32.8% |
| Gross operating margin | 9900 | -€3,992 | €14,407 | +€18,399 | |
| Operating profit (loss) | 9901 | -€23,311 | -€5,986 | +€17,325 | +74.3% |
| Financial charges | 65/66B | €67 | €72 | +€5 | +7.0% |
| Recurring financial charges | 65 | €67 | €72 | +€5 | +7.0% |
| Profit (loss) for the period before taxes | 9903 | -€23,378 | -€6,058 | +€17,320 | +74.1% |
| Income taxes | 67/77 | €179 | €229 | +€50 | +27.6% |
| Profit (loss) for the period | 9904 | -€23,557 | -€6,287 | +€17,270 | +73.3% |
| Profit (loss) for the period to be appropriated | 9905 | -€23,557 | -€6,287 | +€17,270 | +73.3% |
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 4 October 2026 via checked.be.