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MALUT: 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

MALUT

BE 0771.537.703
NACE 47.241, Retail sale of bread and pastry (bakery outlets)
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€29,151
2024 · €8,935-€38,086
Equity
€73,913
2024 · €103,064-€29,151
Cash
€16,683
2024 · €57,302-€40,619
Balance sheet total
€169,994
2024 · €204,966-€34,972

Largest movements

2024 to 2025
Assets
  • Cash -€40,619

    down €40,619 (-70.9%), from €57,302 to €16,683

    mainly Net result for the year (-€29,151) and Receivables within one year (-€22,427)

  • Receivables within one year +€22,427

    up €22,427 (+115.3%), from €19,445 to €41,872

    of which Trade receivables: +€19,024

  • Intangible fixed assets -€13,000

    down €13,000 (-14.9%), from €87,128 to €74,128

  • Tangible fixed assets -€5,341

    down €5,341 (-13.1%), from €40,643 to €35,302

    of which Leasing and similar rights: -€3,267

Equity and liabilities
  • Profit (loss) carried forward -€29,151

    down €29,151 (-39.9%), from €73,064 to €43,913

  • Trade debts +€26,103

    up €26,103 (+188.3%), from €13,865 to €39,967

  • Debts after one year -€20,161

    down €20,161 (-81.6%), from €24,695 to €4,535

  • Current portion of long-term debt -€7,137

    down €7,137 (-26.1%), from €27,297 to €20,161

  • Other debts -€3,803

    down €3,803 (-23.2%), from €16,396 to €12,594

Income statement
  • Turnover +€662,481

    new in 2025: €662,481

  • Purchases and services +€616,977

    new in 2025: €616,977

  • Gross operating margin -€41,783

    down €41,783 (-35.1%), from €118,889 to €77,106

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 €8,935
Gross operating margin -€41,783
Staff costs +€1,720
Depreciation -€652
Other operating charges -€21
Financial income +€73
Financial charges +€584
Taxes +€1,993
Result 2025 -€29,151

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 -€10,455
Investment -€2,867
Financing -€27,297
Cash 2024 €57,302
Net result for the year -€29,151
Depreciation +€21,208
Stocks and contracts -€855
Receivables within one year -€22,427
Deferred charges and accrued income -€706
Trade debts +€26,103
Tax, wage and social debts -€1,416
Other debts -€3,803
Accrued charges and deferred income +€592
Investment in fixed assets (net) -€2,867
Debts after one year -€20,161
Current portion of long-term debt -€7,137
Cash 2025 €16,683
Every line side by side 47 lines
Line Code 2024 2025 Change %
Total assets 20/58 €204,966 €169,994 -€34,972 -17.1%
Fixed assets 21/28 €127,771 €109,430 -€18,341 -14.4%
Intangible fixed assets 21 €87,128 €74,128 -€13,000 -14.9%
Tangible fixed assets 22/27 €40,643 €35,302 -€5,341 -13.1%
Plant, machinery and equipment 23 €7,314 €5,769 -€1,545 -21.1%
Furniture and vehicles 24 €729 €2,958 +€2,230 +305.9%
Leasing and similar rights 25 €9,355 €6,087 -€3,267 -34.9%
Other tangible fixed assets 26 €23,245 €20,488 -€2,758 -11.9%
Current assets 29/58 €77,195 €60,563 -€16,631 -21.5%
Stocks and contracts in progress 3 - €855 +€855
Stocks 30/36 - €855 +€855
Amounts receivable within one year 40/41 €19,445 €41,872 +€22,427 +115.3%
Trade receivables 40 €146 €19,170 +€19,024 +12993.6%
Other amounts receivable 41 €19,299 €22,702 +€3,403 +17.6%
Cash at bank and in hand 54/58 €57,302 €16,683 -€40,619 -70.9%
Deferred charges and accrued income 490/1 €448 €1,154 +€706 +157.8%
Total equity and liabilities 10/49 €204,966 €169,994 -€34,972 -17.1%
Equity 10/15 €103,064 €73,913 -€29,151 -28.3%
Contributions 10/11 €30,000 €30,000 = 0.0%
Profit (loss) carried forward 14 €73,064 €43,913 -€29,151 -39.9%
Amounts payable 17/49 €101,902 €96,080 -€5,822 -5.7%
Amounts payable after more than one year 17 €24,695 €4,535 -€20,161 -81.6%
Financial debts 170/4 €24,695 €4,535 -€20,161 -81.6%
Amounts payable within one year 42/48 €77,207 €90,954 +€13,747 +17.8%
Current portion of amounts payable after more than one year 42 €27,297 €20,161 -€7,137 -26.1%
Trade debts 44 €13,865 €39,967 +€26,103 +188.3%
Suppliers 440/4 €13,865 €39,967 +€26,103 +188.3%
Taxes, remuneration and social security 45 €19,649 €18,232 -€1,416 -7.2%
Taxes 450/3 €2,884 €1,750 -€1,134 -39.3%
Remuneration and social security 454/9 €16,765 €16,482 -€283 -1.7%
Other amounts payable 47/48 €16,396 €12,594 -€3,803 -23.2%
Accrued charges and deferred income 492/3 - €592 +€592
Turnover 70 - €662,481 +€662,481
Goods, raw materials, services and sundry goods 60/61 - €616,977 +€616,977
Remuneration, social security and pensions 62 €80,799 €79,079 -€1,720 -2.1%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €20,556 €21,208 +€652 +3.2%
Other operating charges 640/8 €819 €840 +€21 +2.6%
Gross operating margin 9900 €118,889 €77,106 -€41,783 -35.1%
Operating profit (loss) 9901 €16,716 -€24,020 -€40,736
Financial income 75/76B €282 €355 +€73 +25.8%
Recurring financial income 75 €282 €355 +€73 +25.8%
Financial charges 65/66B €6,070 €5,486 -€584 -9.6%
Recurring financial charges 65 €6,070 €5,486 -€584 -9.6%
Profit (loss) for the period before taxes 9903 €10,928 -€29,151 -€40,079
Income taxes 67/77 €1,993 - -€1,993
Profit (loss) for the period 9904 €8,935 -€29,151 -€38,086
Profit (loss) for the period to be appropriated 9905 €8,935 -€29,151 -€38,086

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 30 September 2026 via checked.be.