MON AGENCE: 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.
MON AGENCE
Largest movements
- Tangible fixed assets -€255,251
down €255,251 (-92.5%), from €276,075 to €20,825
of which Land and buildings: -€245,664
- Receivables within one year -€13,810
down €13,810 (-8.7%), from €158,398 to €144,588
of which Trade receivables: -€8,268
- Cash -€11,782
down €11,782 (-25.1%), from €46,939 to €35,157
mainly Debts after one year (-€190,257) and Net result for the year (-€39,096)
- Debts after one year -€190,257
down €190,257 (-100%), from €190,257 to €0
- Reserves -€52,625
down €52,625 (-33.7%), from €156,102 to €103,477
of which Tax-exempt reserves: -€52,625
- Current portion of long-term debt -€36,306
down €36,306 (-100%), from €36,306 to €0
- Advances received -€25,000
down €25,000 (-89.3%), from €28,000 to €3,000
- Profit (loss) carried forward +€13,529
up €13,529 (+14.3%), from -€94,924 to -€81,395
- Financial income +€17,896
up €17,896 (+534%), from €3,351 to €21,248
- Gross operating margin +€15,893
up €15,893 (+4.4%), from €358,691 to €374,585
- Staff costs +€14,797
up €14,797 (+3.8%), from €386,105 to €400,902
- Depreciation -€13,102
down €13,102 (-49.1%), from €26,667 to €13,566
- Write-downs +€6,371
up €6,371 (+33.7%), from -€18,882 to -€12,510
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 | €493,274 | €211,608 | -€281,666 | -57.1% |
| Fixed assets | 21/28 | €281,591 | €25,362 | -€256,229 | -91.0% |
| Intangible fixed assets | 21 | €5,471 | €4,330 | -€1,141 | -20.9% |
| Tangible fixed assets | 22/27 | €276,075 | €20,825 | -€255,251 | -92.5% |
| Land and buildings | 22 | €245,664 | €0 | -€245,664 | -100% |
| Furniture and vehicles | 24 | €19,197 | €12,787 | -€6,410 | -33.4% |
| Other tangible fixed assets | 26 | €11,214 | €8,038 | -€3,176 | -28.3% |
| Financial fixed assets | 28 | €45 | €207 | +€162 | +364% |
| Current assets | 29/58 | €211,683 | €186,246 | -€25,437 | -12.0% |
| Amounts receivable within one year | 40/41 | €158,398 | €144,588 | -€13,810 | -8.7% |
| Trade receivables | 40 | €120,645 | €112,377 | -€8,268 | -6.9% |
| Other amounts receivable | 41 | €37,753 | €32,211 | -€5,542 | -14.7% |
| Cash at bank and in hand | 54/58 | €46,939 | €35,157 | -€11,782 | -25.1% |
| Deferred charges and accrued income | 490/1 | €6,346 | €6,502 | +€155 | +2.4% |
| Total equity and liabilities | 10/49 | €493,274 | €211,608 | -€281,666 | -57.1% |
| Equity | 10/15 | €79,901 | €40,903 | -€38,998 | -48.8% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €156,102 | €103,477 | -€52,625 | -33.7% |
| Tax-exempt reserves | 132 | €52,625 | €0 | -€52,625 | -100% |
| Distributable reserves | 133 | €103,477 | €103,477 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€94,924 | -€81,395 | +€13,529 | +14.3% |
| Investment grants | 15 | €123 | €221 | +€98 | +79.8% |
| Amounts payable | 17/49 | €413,373 | €170,705 | -€242,668 | -58.7% |
| Amounts payable after more than one year | 17 | €190,257 | €0 | -€190,257 | -100% |
| Financial debts | 170/4 | €190,257 | €0 | -€190,257 | -100% |
| Amounts payable within one year | 42/48 | €223,116 | €168,878 | -€54,238 | -24.3% |
| Current portion of amounts payable after more than one year | 42 | €36,306 | €0 | -€36,306 | -100% |
| Trade debts | 44 | €19,774 | €29,891 | +€10,118 | +51.2% |
| Suppliers | 440/4 | €19,774 | €29,891 | +€10,118 | +51.2% |
| Advances received on contracts in progress | 46 | €28,000 | €3,000 | -€25,000 | -89.3% |
| Taxes, remuneration and social security | 45 | €99,223 | €108,631 | +€9,409 | +9.5% |
| Taxes | 450/3 | €52,761 | €55,475 | +€2,714 | +5.1% |
| Remuneration and social security | 454/9 | €46,462 | €53,157 | +€6,695 | +14.4% |
| Other amounts payable | 47/48 | €39,814 | €27,355 | -€12,459 | -31.3% |
| Accrued charges and deferred income | 492/3 | - | €1,827 | +€1,827 | |
| Remuneration, social security and pensions | 62 | €386,105 | €400,902 | +€14,797 | +3.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €26,667 | €13,566 | -€13,102 | -49.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | -€18,882 | -€12,510 | +€6,371 | +33.7% |
| Other operating charges | 640/8 | €15,812 | €19,668 | +€3,856 | +24.4% |
| Gross operating margin | 9900 | €358,691 | €374,585 | +€15,893 | +4.4% |
| Operating profit (loss) | 9901 | -€51,011 | -€47,041 | +€3,970 | +7.8% |
| Financial income | 75/76B | €3,351 | €21,248 | +€17,896 | +534% |
| Recurring financial income | 75 | €3,351 | €21,248 | +€17,896 | +534% |
| Financial charges | 65/66B | €9,299 | €12,179 | +€2,881 | +31.0% |
| Recurring financial charges | 65 | €9,299 | €12,179 | +€2,881 | +31.0% |
| Profit (loss) for the period before taxes | 9903 | -€56,958 | -€37,973 | +€18,986 | +33.3% |
| Income taxes | 67/77 | €926 | €1,123 | +€197 | +21.3% |
| Profit (loss) for the period | 9904 | -€57,884 | -€39,096 | +€18,788 | +32.5% |
| Transfer from tax-exempt reserves | 789 | - | €52,625 | +€52,625 | |
| Profit (loss) for the period to be appropriated | 9905 | -€57,884 | €13,529 | +€71,413 |
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 18 October 2026 via checked.be.