MON HABITAT: 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 HABITAT
Largest movements
- Tangible fixed assets +€22,880
up €22,880 (+3.1%), from €728,006 to €750,886
of which Plant, machinery and equipment: +€36,239
- Receivables within one year -€7,859
no longer reported in 2025 (was €7,859)
- Debts after one year -€52,207
down €52,207 (-13.4%), from €388,832 to €336,625
- Trade debts +€23,624
up €23,624 (+122%), from €19,406 to €43,031
- Other debts +€19,204
up €19,204 (+12,803%), from €150 to €19,354
- Reserves +€13,341
up €13,341 (+12.5%), from €106,990 to €120,331
of which Distributable reserves: +€13,341
- Gross operating margin -€23,239
down €23,239 (-19.9%), from €116,641 to €93,402
- Taxes -€10,732
down €10,732 (-45.2%), from €23,749 to €13,017
- Other operating charges +€6,260
up €6,260 (+79.0%), from €7,922 to €14,182
- Depreciation +€5,407
up €5,407 (+20.6%), from €26,216 to €31,622
- Financial charges -€5,369
down €5,369 (-20.2%), from €26,608 to €21,239
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 | €757,481 | €759,936 | +€2,455 | +0.3% |
| Fixed assets | 21/28 | €738,006 | €755,886 | +€17,880 | +2.4% |
| Intangible fixed assets | 21 | €10,000 | €5,000 | -€5,000 | -50.0% |
| Tangible fixed assets | 22/27 | €728,006 | €750,886 | +€22,880 | +3.1% |
| Land and buildings | 22 | €725,152 | €712,621 | -€12,531 | -1.7% |
| Plant, machinery and equipment | 23 | €1,321 | €37,560 | +€36,239 | +2,744% |
| Furniture and vehicles | 24 | €1,533 | €705 | -€828 | -54.0% |
| Current assets | 29/58 | €19,476 | €4,050 | -€15,426 | -79.2% |
| Amounts receivable after more than one year | 29 | €0 | - | = | |
| Other amounts receivable | 291 | €0 | - | = | |
| Amounts receivable within one year | 40/41 | €7,859 | - | -€7,859 | |
| Other amounts receivable | 41 | €7,859 | - | -€7,859 | |
| Cash at bank and in hand | 54/58 | €10,966 | €4,050 | -€6,916 | -63.1% |
| Deferred charges and accrued income | 490/1 | €651 | - | -€651 | |
| Total equity and liabilities | 10/49 | €757,481 | €759,936 | +€2,455 | +0.3% |
| Equity | 10/15 | €225,784 | €239,125 | +€13,341 | +5.9% |
| Contributions | 10/11 | €40,000 | €40,000 | = | 0.0% |
| Reserves | 13 | €106,990 | €120,331 | +€13,341 | +12.5% |
| Non-distributable reserves | 130/1 | €4,000 | €4,000 | = | 0.0% |
| Reserves not available under the articles | 1311 | €4,000 | €4,000 | = | 0.0% |
| Distributable reserves | 133 | €102,990 | €116,331 | +€13,341 | +13.0% |
| Profit (loss) carried forward | 14 | €78,794 | €78,794 | = | 0.0% |
| Amounts payable | 17/49 | €531,697 | €520,811 | -€10,886 | -2.0% |
| Amounts payable after more than one year | 17 | €388,832 | €336,625 | -€52,207 | -13.4% |
| Financial debts | 170/4 | €388,832 | €336,625 | -€52,207 | -13.4% |
| Amounts payable within one year | 42/48 | €142,865 | €184,186 | +€41,321 | +28.9% |
| Financial debts | 43 | €80,000 | €80,000 | = | 0.0% |
| Credit institutions | 430/8 | €80,000 | €80,000 | = | 0.0% |
| Trade debts | 44 | €19,406 | €43,031 | +€23,624 | +122% |
| Suppliers | 440/4 | €19,406 | €43,031 | +€23,624 | +122% |
| Taxes, remuneration and social security | 45 | €43,309 | €41,801 | -€1,508 | -3.5% |
| Taxes | 450/3 | €43,309 | €41,801 | -€1,508 | -3.5% |
| Other amounts payable | 47/48 | €150 | €19,354 | +€19,204 | +12,803% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €26,216 | €31,622 | +€5,407 | +20.6% |
| Other operating charges | 640/8 | €7,922 | €14,182 | +€6,260 | +79.0% |
| Gross operating margin | 9900 | €116,641 | €93,402 | -€23,239 | -19.9% |
| Operating profit (loss) | 9901 | €82,503 | €47,598 | -€34,906 | -42.3% |
| Financial charges | 65/66B | €26,608 | €21,239 | -€5,369 | -20.2% |
| Recurring financial charges | 65 | €26,608 | €21,239 | -€5,369 | -20.2% |
| Profit (loss) for the period before taxes | 9903 | €55,895 | €26,358 | -€29,537 | -52.8% |
| Income taxes | 67/77 | €23,749 | €13,017 | -€10,732 | -45.2% |
| Profit (loss) for the period | 9904 | €32,146 | €13,341 | -€18,805 | -58.5% |
| Profit (loss) for the period to be appropriated | 9905 | €32,146 | €13,341 | -€18,805 | -58.5% |
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 27 October 2026 via checked.be.