MY AUTO CONCEPT: 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.
MY AUTO CONCEPT
Largest movements
- Stocks and contracts -€134,387
down €134,387 (-53.3%), from €251,977 to €117,590
- Receivables within one year -€17,477
down €17,477 (-34.6%), from €50,577 to €33,100
of which Trade receivables: -€16,082
- Tangible fixed assets -€9,772
down €9,772 (-26.8%), from €36,420 to €26,648
of which Leasing and similar rights: -€8,172
- Cash +€7,269
up €7,269 (+7,408%), from €98 to €7,367
mainly Stocks and contracts (+€134,387) and Short-term financial debts (+€43,394)
- Profit (loss) carried forward -€140,038
down €140,038, from €104,314 to -€35,724
- Trade debts -€82,063
down €82,063 (-64.9%), from €126,496 to €44,433
- Short-term financial debts +€43,394
up €43,394 (+660%), from €6,579 to €49,974
- Other debts +€30,722
up €30,722 (+137%), from €22,359 to €53,081
- Debts after one year -€7,921
down €7,921 (-14.8%), from €53,643 to €45,722
- Gross operating margin -€132,206
down €132,206, from €13,785 to -€118,421
- Other operating charges -€7,316
down €7,316 (-62.9%), from €11,628 to €4,312
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 | €346,237 | €190,323 | -€155,914 | -45.0% |
| Fixed assets | 21/28 | €39,320 | €29,548 | -€9,772 | -24.9% |
| Tangible fixed assets | 22/27 | €36,420 | €26,648 | -€9,772 | -26.8% |
| Furniture and vehicles | 24 | €3,154 | €1,553 | -€1,600 | -50.7% |
| Leasing and similar rights | 25 | €33,267 | €25,095 | -€8,172 | -24.6% |
| Financial fixed assets | 28 | €2,900 | €2,900 | = | 0.0% |
| Current assets | 29/58 | €306,917 | €160,775 | -€146,143 | -47.6% |
| Stocks and contracts in progress | 3 | €251,977 | €117,590 | -€134,387 | -53.3% |
| Stocks | 30/36 | €251,977 | €117,590 | -€134,387 | -53.3% |
| Amounts receivable within one year | 40/41 | €50,577 | €33,100 | -€17,477 | -34.6% |
| Trade receivables | 40 | €48,286 | €32,204 | -€16,082 | -33.3% |
| Other amounts receivable | 41 | €2,291 | €896 | -€1,396 | -60.9% |
| Cash at bank and in hand | 54/58 | €98 | €7,367 | +€7,269 | +7,408% |
| Deferred charges and accrued income | 490/1 | €4,265 | €2,718 | -€1,547 | -36.3% |
| Total equity and liabilities | 10/49 | €346,237 | €190,323 | -€155,914 | -45.0% |
| Equity | 10/15 | €124,774 | -€15,264 | -€140,038 | |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €104,314 | -€35,724 | -€140,038 | |
| Amounts payable | 17/49 | €221,464 | €205,587 | -€15,876 | -7.2% |
| Amounts payable after more than one year | 17 | €53,643 | €45,722 | -€7,921 | -14.8% |
| Financial debts | 170/4 | €53,643 | €45,722 | -€7,921 | -14.8% |
| Amounts payable within one year | 42/48 | €167,071 | €159,115 | -€7,955 | -4.8% |
| Current portion of amounts payable after more than one year | 42 | €7,516 | €7,921 | +€405 | +5.4% |
| Financial debts | 43 | €6,579 | €49,974 | +€43,394 | +660% |
| Credit institutions | 430/8 | €6,579 | €49,974 | +€43,394 | +660% |
| Trade debts | 44 | €126,496 | €44,433 | -€82,063 | -64.9% |
| Suppliers | 440/4 | €126,496 | €44,433 | -€82,063 | -64.9% |
| Taxes, remuneration and social security | 45 | €4,120 | €3,706 | -€414 | -10.1% |
| Taxes | 450/3 | €320 | €3,706 | +€3,386 | +1,057% |
| Remuneration and social security | 454/9 | €3,800 | - | -€3,800 | |
| Other amounts payable | 47/48 | €22,359 | €53,081 | +€30,722 | +137% |
| Accrued charges and deferred income | 492/3 | €750 | €750 | = | 0.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €9,191 | €9,772 | +€580 | +6.3% |
| Other operating charges | 640/8 | €11,628 | €4,312 | -€7,316 | -62.9% |
| Gross operating margin | 9900 | €13,785 | -€118,421 | -€132,206 | |
| Operating profit (loss) | 9901 | -€7,034 | -€132,505 | -€125,471 | -1,784% |
| Financial income | 75/76B | €31 | €118 | +€87 | +282% |
| Recurring financial income | 75 | €31 | €118 | +€87 | +282% |
| Financial charges | 65/66B | €7,338 | €6,880 | -€459 | -6.3% |
| Recurring financial charges | 65 | €7,338 | €6,880 | -€459 | -6.3% |
| Profit (loss) for the period before taxes | 9903 | -€14,342 | -€139,266 | -€124,925 | -871% |
| Income taxes | 67/77 | €520 | €772 | +€251 | +48.3% |
| Profit (loss) for the period | 9904 | -€14,862 | -€140,038 | -€125,176 | -842% |
| Profit (loss) for the period to be appropriated | 9905 | -€14,862 | -€140,038 | -€125,176 | -842% |
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 16 October 2026 via checked.be.