MONY HOUSING: 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.
MONY HOUSING
Largest movements
- Tangible fixed assets -€50,447
down €50,447 (-8.1%), from €620,350 to €569,903
of which Land and buildings: -€35,302
- Cash +€22,781
up €22,781 (+137%), from €16,653 to €39,435
mainly Depreciation (+€50,447) and Net result for the year (+€40,274)
- Receivables within one year -€14,121
down €14,121 (-24.0%), from €58,901 to €44,780
of which Trade receivables: -€12,390
- Debts after one year -€67,246
down €67,246 (-47.4%), from €141,899 to €74,653
of which Financial debts: -€67,246
- Profit (loss) carried forward +€42,714
up €42,714 (+20.0%), from €213,692 to €256,406
- Other debts -€28,483
down €28,483 (-20.7%), from €137,518 to €109,035
- Trade debts +€14,503
up €14,503 (+25.2%), from €57,484 to €71,987
- Gross operating margin +€4,708
up €4,708 (+4.1%), from €114,923 to €119,631
- Other operating charges -€2,004
down €2,004 (-13.0%), from €15,398 to €13,394
- Taxes +€1,770
up €1,770 (+15.7%), from €11,283 to €13,054
- Financial charges -€1,411
down €1,411 (-30.1%), from €4,688 to €3,277
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 | €696,516 | €654,501 | -€42,015 | -6.0% |
| Fixed assets | 21/28 | €620,350 | €569,903 | -€50,447 | -8.1% |
| Tangible fixed assets | 22/27 | €620,350 | €569,903 | -€50,447 | -8.1% |
| Land and buildings | 22 | €547,465 | €512,162 | -€35,302 | -6.4% |
| Plant, machinery and equipment | 23 | €72,885 | €57,741 | -€15,144 | -20.8% |
| Current assets | 29/58 | €76,166 | €84,598 | +€8,432 | +11.1% |
| Amounts receivable within one year | 40/41 | €58,901 | €44,780 | -€14,121 | -24.0% |
| Trade receivables | 40 | €46,541 | €34,151 | -€12,390 | -26.6% |
| Other amounts receivable | 41 | €12,360 | €10,629 | -€1,731 | -14.0% |
| Cash at bank and in hand | 54/58 | €16,653 | €39,435 | +€22,781 | +137% |
| Deferred charges and accrued income | 490/1 | €612 | €383 | -€229 | -37.4% |
| Total equity and liabilities | 10/49 | €696,516 | €654,501 | -€42,015 | -6.0% |
| Equity | 10/15 | €275,720 | €315,994 | +€40,274 | +14.6% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €43,428 | €40,988 | -€2,440 | -5.6% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Tax-exempt reserves | 132 | €36,576 | €34,136 | -€2,440 | -6.7% |
| Distributable reserves | 133 | €4,992 | €4,992 | = | 0.0% |
| Profit (loss) carried forward | 14 | €213,692 | €256,406 | +€42,714 | +20.0% |
| Provisions and deferred taxes | 16 | €12,192 | €11,379 | -€813 | -6.7% |
| Deferred taxes | 168 | €12,192 | €11,379 | -€813 | -6.7% |
| Amounts payable | 17/49 | €408,604 | €327,128 | -€81,475 | -19.9% |
| Amounts payable after more than one year | 17 | €141,899 | €74,653 | -€67,246 | -47.4% |
| Financial debts | 170/4 | €141,749 | €74,503 | -€67,246 | -47.4% |
| Other amounts payable | 178/9 | €150 | €150 | = | 0.0% |
| Amounts payable within one year | 42/48 | €263,103 | €248,748 | -€14,355 | -5.5% |
| Current portion of amounts payable after more than one year | 42 | €66,849 | €67,246 | +€397 | +0.6% |
| Trade debts | 44 | €57,484 | €71,987 | +€14,503 | +25.2% |
| Suppliers | 440/4 | €57,484 | €71,987 | +€14,503 | +25.2% |
| Taxes, remuneration and social security | 45 | €1,252 | €480 | -€772 | -61.7% |
| Taxes | 450/3 | €1,252 | €480 | -€772 | -61.7% |
| Other amounts payable | 47/48 | €137,518 | €109,035 | -€28,483 | -20.7% |
| Accrued charges and deferred income | 492/3 | €3,602 | €3,727 | +€125 | +3.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €50,514 | €50,447 | -€67 | -0.1% |
| Other operating charges | 640/8 | €15,398 | €13,394 | -€2,004 | -13.0% |
| Gross operating margin | 9900 | €114,923 | €119,631 | +€4,708 | +4.1% |
| Operating profit (loss) | 9901 | €49,011 | €55,791 | +€6,780 | +13.8% |
| Financial income | 75/76B | €0 | - | = | |
| Recurring financial income | 75 | €0 | - | = | |
| Financial charges | 65/66B | €4,688 | €3,277 | -€1,411 | -30.1% |
| Recurring financial charges | 65 | €4,688 | €3,277 | -€1,411 | -30.1% |
| Profit (loss) for the period before taxes | 9903 | €44,323 | €52,514 | +€8,191 | +18.5% |
| Transfer from deferred taxes | 780 | €813 | €813 | +€0 | 0.0% |
| Transfer to deferred taxes | 680 | €430 | €0 | -€430 | -100% |
| Income taxes | 67/77 | €11,283 | €13,054 | +€1,770 | +15.7% |
| Profit (loss) for the period | 9904 | €33,423 | €40,274 | +€6,851 | +20.5% |
| Transfer from tax-exempt reserves | 789 | €2,440 | €2,440 | -€0 | 0.0% |
| Transfer to tax-exempt reserves | 689 | €1,291 | €0 | -€1,291 | -100% |
| Profit (loss) for the period to be appropriated | 9905 | €34,573 | €42,714 | +€8,141 | +23.5% |
Source: filed annual accounts (NBB), financial years ended 30 September 2024 and 30 September 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 17 October 2026 via checked.be.