Lendemo: 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.
Lendemo
Largest movements
- Receivables within one year +€8,073
up €8,073 (+12,774%), from €63 to €8,136
of which Other amounts receivable: +€5,568
- Cash +€6,660
up €6,660 (+95.5%), from €6,973 to €13,633
mainly Net result for the year (+€9,084) and Accrued charges and deferred income (+€3,186)
- Stocks and contracts +€584
up €584 (+25.0%), from €2,334 to €2,918
- Profit (loss) carried forward +€9,084
up €9,084, from -€1,369 to €7,715
- Accrued charges and deferred income +€3,186
new in 2025: €3,186
- Current portion of long-term debt +€2,523
new in 2025: €2,523
- Tax, wage and social debts +€2,020
up €2,020 (+59.3%), from €3,408 to €5,428
of which Taxes: +€2,020
- Trade debts -€1,496
down €1,496 (-34.5%), from €4,331 to €2,835
- Gross operating margin +€14,997
up €14,997, from -€969 to €14,028
- Taxes +€2,879
new in 2025: €2,879
- Other operating charges +€1,452
up €1,452 (+375%), from €387 to €1,839
- Financial charges +€214
up €214 (+1,713%), from €13 to €227
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 | €9,370 | €24,687 | +€15,317 | +163% |
| Current assets | 29/58 | €9,370 | €24,687 | +€15,317 | +163% |
| Stocks and contracts in progress | 3 | €2,334 | €2,918 | +€584 | +25.0% |
| Stocks | 30/36 | €2,334 | €2,918 | +€584 | +25.0% |
| Amounts receivable within one year | 40/41 | €63 | €8,136 | +€8,073 | +12,774% |
| Trade receivables | 40 | - | €2,505 | +€2,505 | |
| Other amounts receivable | 41 | €63 | €5,631 | +€5,568 | +8,810% |
| Cash at bank and in hand | 54/58 | €6,973 | €13,633 | +€6,660 | +95.5% |
| Total equity and liabilities | 10/49 | €9,370 | €24,687 | +€15,317 | +163% |
| Equity | 10/15 | €1,631 | €10,715 | +€9,084 | +557% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€1,369 | €7,715 | +€9,084 | |
| Amounts payable | 17/49 | €7,739 | €13,972 | +€6,233 | +80.5% |
| Amounts payable within one year | 42/48 | €7,739 | €10,786 | +€3,047 | +39.4% |
| Current portion of amounts payable after more than one year | 42 | - | €2,523 | +€2,523 | |
| Trade debts | 44 | €4,331 | €2,835 | -€1,496 | -34.5% |
| Suppliers | 440/4 | €4,331 | €2,835 | -€1,496 | -34.5% |
| Taxes, remuneration and social security | 45 | €3,408 | €5,428 | +€2,020 | +59.3% |
| Taxes | 450/3 | €1,658 | €3,678 | +€2,020 | +122% |
| Remuneration and social security | 454/9 | €1,750 | €1,750 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | - | €3,186 | +€3,186 | |
| Other operating charges | 640/8 | €387 | €1,839 | +€1,452 | +375% |
| Gross operating margin | 9900 | -€969 | €14,028 | +€14,997 | |
| Operating profit (loss) | 9901 | -€1,356 | €12,189 | +€13,546 | |
| Financial income | 75/76B | - | €1 | +€1 | |
| Recurring financial income | 75 | - | €1 | +€1 | |
| Financial charges | 65/66B | €13 | €227 | +€214 | +1,713% |
| Recurring financial charges | 65 | €13 | €227 | +€214 | +1,713% |
| Profit (loss) for the period before taxes | 9903 | -€1,369 | €11,963 | +€13,332 | |
| Income taxes | 67/77 | - | €2,879 | +€2,879 | |
| Profit (loss) for the period | 9904 | -€1,369 | €9,084 | +€10,453 | |
| Profit (loss) for the period to be appropriated | 9905 | -€1,369 | €9,084 | +€10,453 |
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 20 October 2026 via checked.be.