LLOYDZ: 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.
LLOYDZ
Largest movements
- Receivables within one year +€67,409
up €67,409 (+89.3%), from €75,497 to €142,906
of which Other amounts receivable: +€51,689
- Receivables after one year +€40,573
up €40,573, from €0 to €40,573
of which Other amounts receivable: +€40,573
- Other debts +€225,420
new in 2025: €225,420
- Reserves -€151,466
down €151,466 (-35.6%), from €425,436 to €273,970
of which Distributable reserves: -€151,466
- Tax, wage and social debts +€29,318
up €29,318 (+124.4%), from €23,560 to €52,878
- Contributions -€12,986
down €12,986 (-6.7%), from €194,076 to €181,090
- Gross operating margin +€27,382
up €27,382 (+34.4%), from €79,704 to €107,086
- Financial income -€25,700
down €25,700 (-84.5%), from €30,408 to €4,708
- Financial charges +€1,755
up €1,755 (+69.2%), from €2,537 to €4,292
- Taxes +€1,266
up €1,266 (+4.7%), from €27,173 to €28,439
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 | €718,904 | €823,126 | +€104,222 | +14.5% |
| Fixed assets | 21/28 | €630,121 | €627,900 | -€2,221 | -0.4% |
| Tangible fixed assets | 22/27 | €7,621 | €5,400 | -€2,221 | -29.1% |
| Land and buildings | 22 | €7,200 | €5,400 | -€1,800 | -25.0% |
| Furniture and vehicles | 24 | €421 | €0 | -€421 | -100.0% |
| Financial fixed assets | 28 | €622,500 | €622,500 | = | 0.0% |
| Current assets | 29/58 | €88,783 | €195,226 | +€106,443 | +119.9% |
| Amounts receivable after more than one year | 29 | €0 | €40,573 | +€40,573 | |
| Trade receivables | 290 | €0 | - | = | |
| Other amounts receivable | 291 | - | €40,573 | +€40,573 | |
| Amounts receivable within one year | 40/41 | €75,497 | €142,906 | +€67,409 | +89.3% |
| Trade receivables | 40 | €15,555 | €31,275 | +€15,720 | +101.1% |
| Other amounts receivable | 41 | €59,942 | €111,631 | +€51,689 | +86.2% |
| Current investments | 50/53 | €1,007 | €1,007 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €7,954 | €10,213 | +€2,259 | +28.4% |
| Deferred charges and accrued income | 490/1 | €4,325 | €528 | -€3,797 | -87.8% |
| Total equity and liabilities | 10/49 | €718,904 | €823,126 | +€104,222 | +14.5% |
| Equity | 10/15 | €619,512 | €455,060 | -€164,452 | -26.5% |
| Contributions | 10/11 | €194,076 | €181,090 | -€12,986 | -6.7% |
| Reserves | 13 | €425,436 | €273,970 | -€151,466 | -35.6% |
| Non-distributable reserves | 130/1 | €0 | - | = | |
| Reserves not available under the articles | 1311 | €0 | - | = | |
| Distributable reserves | 133 | €425,436 | €273,970 | -€151,466 | -35.6% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €99,392 | €368,066 | +€268,674 | +270.3% |
| Amounts payable after more than one year | 17 | €45,000 | €52,586 | +€7,586 | +16.9% |
| Financial debts | 170/4 | €45,000 | €52,586 | +€7,586 | +16.9% |
| Amounts payable within one year | 42/48 | €54,392 | €315,480 | +€261,088 | +480.0% |
| Current portion of amounts payable after more than one year | 42 | €20,000 | €27,782 | +€7,782 | +38.9% |
| Trade debts | 44 | €10,832 | €9,400 | -€1,432 | -13.2% |
| Suppliers | 440/4 | €10,832 | €9,400 | -€1,432 | -13.2% |
| Taxes, remuneration and social security | 45 | €23,560 | €52,878 | +€29,318 | +124.4% |
| Taxes | 450/3 | €23,560 | €52,878 | +€29,318 | +124.4% |
| Other amounts payable | 47/48 | - | €225,420 | +€225,420 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,759 | €2,221 | -€538 | -19.5% |
| Other operating charges | 640/8 | €674 | €847 | +€173 | +25.6% |
| Gross operating margin | 9900 | €79,704 | €107,086 | +€27,382 | +34.4% |
| Operating profit (loss) | 9901 | €76,271 | €104,018 | +€27,747 | +36.4% |
| Financial income | 75/76B | €30,408 | €4,708 | -€25,700 | -84.5% |
| Recurring financial income | 75 | €30,408 | €4,708 | -€25,700 | -84.5% |
| Financial charges | 65/66B | €2,537 | €4,292 | +€1,755 | +69.2% |
| Recurring financial charges | 65 | €2,537 | €4,292 | +€1,755 | +69.2% |
| Profit (loss) for the period before taxes | 9903 | €104,141 | €104,434 | +€293 | +0.3% |
| Income taxes | 67/77 | €27,173 | €28,439 | +€1,266 | +4.7% |
| Profit (loss) for the period | 9904 | €76,968 | €75,995 | -€973 | -1.3% |
| Profit (loss) for the period to be appropriated | 9905 | €76,968 | €75,995 | -€973 | -1.3% |
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 6 October 2026 via checked.be.