LOEMAN WONINGBOUW: 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.
LOEMAN WONINGBOUW
Largest movements
- Receivables within one year -€482,261
down €482,261 (-68.2%), from €707,552 to €225,291
of which Trade receivables: -€486,121
- Stocks and contracts +€143,255
up €143,255 (+21.4%), from €670,000 to €813,255
of which Stocks: +€197,563
- Cash -€88,262
down €88,262 (-41.0%), from €215,509 to €127,247
mainly Trade debts (-€450,787) and Short-term financial debts (-€309,770)
- Tangible fixed assets -€22,959
down €22,959 (-90.5%), from €25,358 to €2,400
of which Furniture and vehicles: -€24,671
- Financial fixed assets -€20,000
down €20,000 (-15.9%), from €125,665 to €105,665
- Trade debts -€450,787
down €450,787 (-66.0%), from €682,579 to €231,792
- Short-term financial debts -€309,770
down €309,770 (-100%), from €309,770 to €0
- Reserves +€279,500
new in 2025: €279,500
- Profit (loss) carried forward -€278,695
down €278,695 (-99.8%), from €279,157 to €462
- Debts after one year +€240,000
new in 2025: €240,000
- Gross operating margin -€81,872
down €81,872 (-57.5%), from €142,313 to €60,441
- Financial charges -€51,298
down €51,298 (-65.2%), from €78,698 to €27,400
- Financial income +€6,819
up €6,819 (+198%), from €3,443 to €10,262
- Depreciation -€5,325
down €5,325 (-88.8%), from €5,994 to €669
- Staff costs -€2,460
down €2,460 (-100%), from €2,460 to €0
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 | €1,755,589 | €1,279,860 | -€475,730 | -27.1% |
| Fixed assets | 21/28 | €151,023 | €108,065 | -€42,959 | -28.4% |
| Tangible fixed assets | 22/27 | €25,358 | €2,400 | -€22,959 | -90.5% |
| Furniture and vehicles | 24 | €25,358 | €687 | -€24,671 | -97.3% |
| Other tangible fixed assets | 26 | - | €1,713 | +€1,713 | |
| Financial fixed assets | 28 | €125,665 | €105,665 | -€20,000 | -15.9% |
| Current assets | 29/58 | €1,604,566 | €1,171,795 | -€432,771 | -27.0% |
| Stocks and contracts in progress | 3 | €670,000 | €813,255 | +€143,255 | +21.4% |
| Stocks | 30/36 | - | €197,563 | +€197,563 | |
| Contracts in progress | 37 | €670,000 | €615,693 | -€54,307 | -8.1% |
| Amounts receivable within one year | 40/41 | €707,552 | €225,291 | -€482,261 | -68.2% |
| Trade receivables | 40 | €707,552 | €221,431 | -€486,121 | -68.7% |
| Other amounts receivable | 41 | €0 | €3,860 | +€3,860 | |
| Cash at bank and in hand | 54/58 | €215,509 | €127,247 | -€88,262 | -41.0% |
| Deferred charges and accrued income | 490/1 | €11,506 | €6,002 | -€5,504 | -47.8% |
| Total equity and liabilities | 10/49 | €1,755,589 | €1,279,860 | -€475,730 | -27.1% |
| Equity | 10/15 | €297,757 | €298,562 | +€805 | +0.3% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | - | €279,500 | +€279,500 | |
| Distributable reserves | 133 | - | €279,500 | +€279,500 | |
| Profit (loss) carried forward | 14 | €279,157 | €462 | -€278,695 | -99.8% |
| Amounts payable | 17/49 | €1,457,832 | €981,297 | -€476,535 | -32.7% |
| Amounts payable after more than one year | 17 | - | €240,000 | +€240,000 | |
| Financial debts | 170/4 | - | €240,000 | +€240,000 | |
| Amounts payable within one year | 42/48 | €1,445,922 | €734,993 | -€710,929 | -49.2% |
| Financial debts | 43 | €309,770 | €0 | -€309,770 | -100% |
| Credit institutions | 430/8 | €309,770 | €0 | -€309,770 | -100% |
| Trade debts | 44 | €682,579 | €231,792 | -€450,787 | -66.0% |
| Suppliers | 440/4 | €682,579 | €231,792 | -€450,787 | -66.0% |
| Advances received on contracts in progress | 46 | €7,844 | €0 | -€7,844 | -100% |
| Taxes, remuneration and social security | 45 | €95,184 | €72,824 | -€22,360 | -23.5% |
| Taxes | 450/3 | €95,184 | €72,824 | -€22,360 | -23.5% |
| Remuneration and social security | 454/9 | €0 | - | = | |
| Other amounts payable | 47/48 | €350,545 | €430,377 | +€79,832 | +22.8% |
| Accrued charges and deferred income | 492/3 | €11,910 | €6,305 | -€5,606 | -47.1% |
| Non-recurring operating income | 76A | - | €2,167 | +€2,167 | |
| Remuneration, social security and pensions | 62 | €2,460 | €0 | -€2,460 | -100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €5,994 | €669 | -€5,325 | -88.8% |
| Other operating charges | 640/8 | €7,855 | €6,209 | -€1,646 | -21.0% |
| Non-recurring operating charges | 66A | €32,104 | €28,519 | -€3,585 | -11.2% |
| Gross operating margin | 9900 | €142,313 | €60,441 | -€81,872 | -57.5% |
| Operating profit (loss) | 9901 | €93,900 | €25,044 | -€68,856 | -73.3% |
| Financial income | 75/76B | €3,443 | €10,262 | +€6,819 | +198% |
| Recurring financial income | 75 | €3,443 | €10,262 | +€6,819 | +198% |
| Financial charges | 65/66B | €78,698 | €27,400 | -€51,298 | -65.2% |
| Recurring financial charges | 65 | €78,698 | €27,400 | -€51,298 | -65.2% |
| Profit (loss) for the period before taxes | 9903 | €18,645 | €7,905 | -€10,739 | -57.6% |
| Income taxes | 67/77 | €8,114 | €7,100 | -€1,014 | -12.5% |
| Profit (loss) for the period | 9904 | €10,531 | €805 | -€9,726 | -92.4% |
| Profit (loss) for the period to be appropriated | 9905 | €10,531 | €805 | -€9,726 | -92.4% |
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 25 October 2026 via checked.be.