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MASTER SWITCH: 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

MASTER SWITCH

BE 0432.696.412
NACE 79.110, Travel agency activities
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€16,628
2024 · -€48,417+€31,789
Equity
-€311,022
2024 · -€294,395-€16,628
Cash
€39,189
2024 · €3,467+€35,722
Balance sheet total
€91,258
2024 · €103,544-€12,285

Largest movements

2024 to 2025
Assets
  • Receivables within one year -€47,719

    down €47,719 (-49.2%), from €96,931 to €49,212

    of which Trade receivables: -€46,858

  • Cash +€35,722

    up €35,722 (+1030.4%), from €3,467 to €39,189

    mainly Debts after one year (+€300,506) and Receivables within one year (+€47,719)

Equity and liabilities
  • Debts after one year +€300,506

    new in 2025: €300,506

  • Other debts -€295,823

    down €295,823 (-95.7%), from €308,971 to €13,148

  • Accrued charges and deferred income +€40,000

    new in 2025: €40,000

  • Trade debts -€36,118

    down €36,118 (-50.3%), from €71,785 to €35,667

  • Profit (loss) carried forward -€16,628

    down €16,628 (-4.9%), from -€336,583 to -€353,210

Income statement
  • Gross operating margin +€42,356

    up €42,356, from -€35,666 to €6,690

  • Other operating charges +€9,470

    up €9,470 (+2444.8%), from €387 to €9,857

  • Financial charges +€1,101

    up €1,101 (+9.8%), from €11,242 to €12,343

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 -€48,417
Gross operating margin +€42,356
Other operating charges -€9,470
Financial income +€3
Financial charges -€1,101
Result 2025 -€16,628

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 -€264,785
Investment €0
Financing +€300,506
Cash 2024 €3,467
Net result for the year -€16,628
Depreciation +€1,121
Receivables within one year +€47,719
Deferred charges and accrued income -€833
Trade debts -€36,118
Tax, wage and social debts -€4,223
Other debts -€295,823
Accrued charges and deferred income +€40,000
Debts after one year +€300,506
Cash 2025 €39,189
Every line side by side 40 lines
Line Code 2024 2025 Change %
Total assets 20/58 €103,544 €91,258 -€12,285 -11.9%
Fixed assets 21/28 €3,122 €2,001 -€1,121 -35.9%
Intangible fixed assets 21 €889 €593 -€296 -33.3%
Tangible fixed assets 22/27 €1,233 €408 -€825 -66.9%
Furniture and vehicles 24 €1,233 €408 -€825 -66.9%
Financial fixed assets 28 €1,000 €1,000 = 0.0%
Current assets 29/58 €100,421 €89,257 -€11,164 -11.1%
Amounts receivable within one year 40/41 €96,931 €49,212 -€47,719 -49.2%
Trade receivables 40 €96,004 €49,145 -€46,858 -48.8%
Other amounts receivable 41 €927 €67 -€860 -92.8%
Cash at bank and in hand 54/58 €3,467 €39,189 +€35,722 +1030.4%
Deferred charges and accrued income 490/1 €24 €857 +€833 +3486.1%
Total equity and liabilities 10/49 €103,544 €91,258 -€12,285 -11.9%
Equity 10/15 -€294,395 -€311,022 -€16,628 -5.6%
Contributions 10/11 €18,592 €18,592 = 0.0%
Reserves 13 €23,596 €23,596 = 0.0%
Distributable reserves 133 €23,596 €23,596 = 0.0%
Profit (loss) carried forward 14 -€336,583 -€353,210 -€16,628 -4.9%
Amounts payable 17/49 €397,938 €402,281 +€4,342 +1.1%
Amounts payable after more than one year 17 - €300,506 +€300,506
Other amounts payable 178/9 - €300,506 +€300,506
Amounts payable within one year 42/48 €397,938 €61,774 -€336,164 -84.5%
Trade debts 44 €71,785 €35,667 -€36,118 -50.3%
Suppliers 440/4 €71,785 €35,667 -€36,118 -50.3%
Advances received on contracts in progress 46 €5,163 €5,163 = 0.0%
Taxes, remuneration and social security 45 €12,019 €7,796 -€4,223 -35.1%
Taxes 450/3 €12,019 €7,796 -€4,223 -35.1%
Other amounts payable 47/48 €308,971 €13,148 -€295,823 -95.7%
Accrued charges and deferred income 492/3 - €40,000 +€40,000
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €1,121 €1,121 = 0.0%
Other operating charges 640/8 €387 €9,857 +€9,470 +2444.8%
Gross operating margin 9900 -€35,666 €6,690 +€42,356
Operating profit (loss) 9901 -€37,175 -€4,288 +€32,886 +88.5%
Financial income 75/76B - €3 +€3
Recurring financial income 75 - €3 +€3
Financial charges 65/66B €11,242 €12,343 +€1,101 +9.8%
Recurring financial charges 65 €11,242 €12,343 +€1,101 +9.8%
Profit (loss) for the period before taxes 9903 -€48,417 -€16,628 +€31,789 +65.7%
Profit (loss) for the period 9904 -€48,417 -€16,628 +€31,789 +65.7%
Profit (loss) for the period to be appropriated 9905 -€48,417 -€16,628 +€31,789 +65.7%

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.