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M2D: 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.

What changed

M2D

BE 0837.278.858
NACE 86.931, Psychology services
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€5,508
2024 · -€15,104+€9,596
Equity
-€60,970
2024 · -€55,462-€5,508
Cash
€902
2024 · €2,090-€1,188
Balance sheet total
€19,893
2024 · €24,450-€4,556

Largest movements

2024 to 2025
Assets
  • Financial fixed assets -€3,364

    down €3,364 (-23.6%), from €14,238 to €10,874

  • Cash -€1,188

    down €1,188 (-56.9%), from €2,090 to €902

    mainly Net result for the year (-€5,508) and Receivables after one year (-€145)

Equity and liabilities
  • Profit (loss) carried forward -€5,508

    down €5,508 (-7.4%), from -€74,062 to -€79,570

  • Accrued charges and deferred income +€930

    up €930 (+9.1%), from €10,230 to €11,160

Income statement
  • Financial charges -€8,334

    down €8,334 (-65.3%), from €12,766 to €4,432

    of which Non-recurring financial charges: -€8,328

  • Gross operating margin +€1,125

    up €1,125 (+59.1%), from -€1,902 to -€778

  • Other operating charges -€138

    down €138 (-23.7%), from €581 to €444

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 -€15,104
Gross operating margin +€1,125
Other operating charges +€138
Financial charges +€8,334
Result 2025 -€5,508

Cash bridge derived

cash 2024 to 2025

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.

From operations -€4,574
Investment +€3,364
Financing +€22
Cash 2024 €2,090
Net result for the year -€5,508
Receivables after one year -€145
Receivables within one year +€149
Accrued charges and deferred income +€930
Investment in fixed assets (net) +€3,364
Debts after one year +€22
Cash 2025 €902
Every line side by side 28 lines
Line Code 2024 2025 Change %
Total assets 20/58 €24,450 €19,893 -€4,556 -18.6%
Fixed assets 21/28 €14,238 €10,874 -€3,364 -23.6%
Financial fixed assets 28 €14,238 €10,874 -€3,364 -23.6%
Current assets 29/58 €10,211 €9,019 -€1,192 -11.7%
Amounts receivable after more than one year 29 €7,696 €7,841 +€145 +1.9%
Other amounts receivable 291 €7,696 €7,841 +€145 +1.9%
Amounts receivable within one year 40/41 €425 €277 -€149 -35.0%
Other amounts receivable 41 €425 €277 -€149 -35.0%
Cash at bank and in hand 54/58 €2,090 €902 -€1,188 -56.9%
Total equity and liabilities 10/49 €24,450 €19,893 -€4,556 -18.6%
Equity 10/15 -€55,462 -€60,970 -€5,508 -9.9%
Contributions 10/11 €18,600 €18,600 = 0.0%
Profit (loss) carried forward 14 -€74,062 -€79,570 -€5,508 -7.4%
Amounts payable 17/49 €79,912 €80,864 +€952 +1.2%
Amounts payable after more than one year 17 €69,682 €69,704 +€22 0.0%
Other amounts payable 178/9 €69,682 €69,704 +€22 0.0%
Accrued charges and deferred income 492/3 €10,230 €11,160 +€930 +9.1%
Other operating charges 640/8 €581 €444 -€138 -23.7%
Gross operating margin 9900 -€1,902 -€778 +€1,125 +59.1%
Operating profit (loss) 9901 -€2,483 -€1,221 +€1,262 +50.8%
Financial income 75/76B €145 €145 = 0.0%
Recurring financial income 75 €145 €145 = 0.0%
Financial charges 65/66B €12,766 €4,432 -€8,334 -65.3%
Recurring financial charges 65 €1,074 €1,068 -€6 -0.6%
Non-recurring financial charges 66B €11,692 €3,364 -€8,328 -71.2%
Profit (loss) for the period before taxes 9903 -€15,104 -€5,508 +€9,596 +63.5%
Profit (loss) for the period 9904 -€15,104 -€5,508 +€9,596 +63.5%
Profit (loss) for the period to be appropriated 9905 -€15,104 -€5,508 +€9,596 +63.5%

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 29 September 2026 via checked.be.