MY LIFE: 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 LIFE
Largest movements
- Stocks and contracts -€45,072
down €45,072 (-19.5%), from €230,992 to €185,920
- Cash +€42,463
up €42,463 (+108%), from €39,301 to €81,764
mainly Stocks and contracts (+€45,072) and Other debts (+€41,988)
- Receivables within one year -€28,168
down €28,168 (-27.9%), from €101,124 to €72,955
of which Trade receivables: -€34,826
- Tangible fixed assets +€13,032
up €13,032 (+1,059%), from €1,231 to €14,263
of which Furniture and vehicles: +€13,307
- Debts after one year -€70,000
no longer reported in 2024 (was €70,000)
- Other debts +€41,988
up €41,988 (+79.5%), from €52,846 to €94,834
- Trade debts -€30,029
down €30,029 (-20.2%), from €148,642 to €118,613
- Profit (loss) carried forward +€22,937
up €22,937 (+57.6%), from €39,851 to €62,788
- Tax, wage and social debts +€17,359
up €17,359 (+42.5%), from €40,848 to €58,206
of which Remuneration and social security: +€11,019
- Turnover +€646,425
new in 2024: €646,425
- Purchases and services +€566,563
new in 2024: €566,563
- Gross operating margin +€25,120
up €25,120 (+31.4%), from €79,934 to €105,054
- Taxes +€8,763
up €8,763 (+1,102%), from €795 to €9,558
From the 2023 result to the 2024 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 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2023 | 2024 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €372,647 | €354,901 | -€17,745 | -4.8% |
| Fixed assets | 21/28 | €1,231 | €14,263 | +€13,032 | +1,059% |
| Tangible fixed assets | 22/27 | €1,231 | €14,263 | +€13,032 | +1,059% |
| Plant, machinery and equipment | 23 | €1,231 | €956 | -€275 | -22.3% |
| Furniture and vehicles | 24 | - | €13,307 | +€13,307 | |
| Current assets | 29/58 | €371,416 | €340,639 | -€30,778 | -8.3% |
| Stocks and contracts in progress | 3 | €230,992 | €185,920 | -€45,072 | -19.5% |
| Stocks | 30/36 | €230,992 | €185,920 | -€45,072 | -19.5% |
| Amounts receivable within one year | 40/41 | €101,124 | €72,955 | -€28,168 | -27.9% |
| Trade receivables | 40 | €101,124 | €66,297 | -€34,826 | -34.4% |
| Other amounts receivable | 41 | - | €6,658 | +€6,658 | |
| Cash at bank and in hand | 54/58 | €39,301 | €81,764 | +€42,463 | +108% |
| Total equity and liabilities | 10/49 | €372,647 | €354,901 | -€17,745 | -4.8% |
| Equity | 10/15 | €60,311 | €83,248 | +€22,937 | +38.0% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,860 | €1,860 | = | 0.0% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Profit (loss) carried forward | 14 | €39,851 | €62,788 | +€22,937 | +57.6% |
| Amounts payable | 17/49 | €312,336 | €271,654 | -€40,682 | -13.0% |
| Amounts payable after more than one year | 17 | €70,000 | - | -€70,000 | |
| Financial debts | 170/4 | €70,000 | - | -€70,000 | |
| Amounts payable within one year | 42/48 | €242,336 | €271,654 | +€29,318 | +12.1% |
| Trade debts | 44 | €148,642 | €118,613 | -€30,029 | -20.2% |
| Suppliers | 440/4 | €148,642 | €118,613 | -€30,029 | -20.2% |
| Taxes, remuneration and social security | 45 | €40,848 | €58,206 | +€17,359 | +42.5% |
| Taxes | 450/3 | €3,218 | €9,558 | +€6,340 | +197% |
| Remuneration and social security | 454/9 | €37,629 | €48,648 | +€11,019 | +29.3% |
| Other amounts payable | 47/48 | €52,846 | €94,834 | +€41,988 | +79.5% |
| Turnover | 70 | - | €646,425 | +€646,425 | |
| Goods, raw materials, services and sundry goods | 60/61 | - | €566,563 | +€566,563 | |
| Remuneration, social security and pensions | 62 | €69,922 | €64,214 | -€5,708 | -8.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,126 | €3,520 | +€2,394 | +213% |
| Other operating charges | 640/8 | €3,318 | €3,701 | +€383 | +11.6% |
| Gross operating margin | 9900 | €79,934 | €105,054 | +€25,120 | +31.4% |
| Operating profit (loss) | 9901 | €5,568 | €33,619 | +€28,051 | +504% |
| Financial income | 75/76B | €248 | €62 | -€186 | -75.2% |
| Recurring financial income | 75 | €248 | €62 | -€186 | -75.2% |
| Financial charges | 65/66B | €2,846 | €1,185 | -€1,661 | -58.3% |
| Recurring financial charges | 65 | €2,846 | €1,185 | -€1,661 | -58.3% |
| Profit (loss) for the period before taxes | 9903 | €2,970 | €32,495 | +€29,525 | +994% |
| Income taxes | 67/77 | €795 | €9,558 | +€8,763 | +1,102% |
| Profit (loss) for the period | 9904 | €2,175 | €22,937 | +€20,762 | +955% |
| Profit (loss) for the period to be appropriated | 9905 | €2,175 | €22,937 | +€20,762 | +955% |
Source: filed annual accounts (NBB), financial years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 28 October 2026 via checked.be.