MYSAVINGS: 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.
MYSAVINGS
Largest movements
- Cash -€122,398
down €122,398 (-87.5%), from €139,815 to €17,417
mainly Other debts (-€199,900) and Deferred charges and accrued income (-€92,203)
- Deferred charges and accrued income +€92,203
up €92,203 (+16.8%), from €547,611 to €639,813
- Other debts -€199,900
down €199,900 (-100.0%), from €199,932 to €32
- Reserves +€90,788
up €90,788 (+22.6%), from €402,210 to €492,998
of which Distributable reserves: +€90,788
- Trade debts +€64,262
up €64,262 (+138%), from €46,565 to €110,827
of which Suppliers: +€64,001
- Tax, wage and social debts +€18,860
up €18,860 (+84.4%), from €22,336 to €41,195
of which Taxes: +€30,469
- Accrued charges and deferred income -€8,079
down €8,079 (-89.8%), from €9,000 to €921
- Gross operating margin +€132,168
up €132,168 (+50.6%), from €261,068 to €393,236
- Staff costs +€49,737
up €49,737 (+25.7%), from €193,552 to €243,289
- Taxes +€25,810
up €25,810 (+105%), from €24,653 to €50,463
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 | €698,642 | €664,574 | -€34,069 | -4.9% |
| Fixed assets | 21/28 | €3,262 | €1,996 | -€1,266 | -38.8% |
| Intangible fixed assets | 21 | €2,005 | €576 | -€1,430 | -71.3% |
| Tangible fixed assets | 22/27 | €1,257 | €1,421 | +€164 | +13.1% |
| Plant, machinery and equipment | 23 | €1,257 | €1,421 | +€164 | +13.1% |
| Current assets | 29/58 | €695,380 | €662,577 | -€32,803 | -4.7% |
| Amounts receivable within one year | 40/41 | €7,954 | €5,347 | -€2,607 | -32.8% |
| Other amounts receivable | 41 | €7,954 | €5,347 | -€2,607 | -32.8% |
| Cash at bank and in hand | 54/58 | €139,815 | €17,417 | -€122,398 | -87.5% |
| Deferred charges and accrued income | 490/1 | €547,611 | €639,813 | +€92,203 | +16.8% |
| Total equity and liabilities | 10/49 | €698,642 | €664,574 | -€34,069 | -4.9% |
| Equity | 10/15 | €420,810 | €511,598 | +€90,788 | +21.6% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €402,210 | €492,998 | +€90,788 | +22.6% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €400,350 | €491,138 | +€90,788 | +22.7% |
| Amounts payable | 17/49 | €277,832 | €152,976 | -€124,857 | -44.9% |
| Amounts payable within one year | 42/48 | €268,832 | €152,054 | -€116,778 | -43.4% |
| Trade debts | 44 | €46,565 | €110,827 | +€64,262 | +138% |
| Suppliers | 440/4 | €46,565 | €110,565 | +€64,001 | +137% |
| Bills of exchange payable | 441 | - | €261 | +€261 | |
| Taxes, remuneration and social security | 45 | €22,336 | €41,195 | +€18,860 | +84.4% |
| Taxes | 450/3 | €365 | €30,834 | +€30,469 | +8,348% |
| Remuneration and social security | 454/9 | €21,971 | €10,361 | -€11,609 | -52.8% |
| Other amounts payable | 47/48 | €199,932 | €32 | -€199,900 | -100.0% |
| Accrued charges and deferred income | 492/3 | €9,000 | €921 | -€8,079 | -89.8% |
| Remuneration, social security and pensions | 62 | €193,552 | €243,289 | +€49,737 | +25.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €4,634 | €2,716 | -€1,919 | -41.4% |
| Other operating charges | 640/8 | €2,273 | €1,928 | -€345 | -15.2% |
| Gross operating margin | 9900 | €261,068 | €393,236 | +€132,168 | +50.6% |
| Operating profit (loss) | 9901 | €60,609 | €145,304 | +€84,696 | +140% |
| Financial income | 75/76B | €1,021 | €90 | -€931 | -91.2% |
| Recurring financial income | 75 | €1,021 | €90 | -€931 | -91.2% |
| Financial charges | 65/66B | €406 | €4,143 | +€3,737 | +920% |
| Recurring financial charges | 65 | €406 | €4,143 | +€3,737 | +920% |
| Profit (loss) for the period before taxes | 9903 | €61,223 | €141,251 | +€80,028 | +131% |
| Income taxes | 67/77 | €24,653 | €50,463 | +€25,810 | +105% |
| Profit (loss) for the period | 9904 | €36,570 | €90,788 | +€54,218 | +148% |
| Profit (loss) for the period to be appropriated | 9905 | €36,570 | €90,788 | +€54,218 | +148% |
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 25 October 2026 via checked.be.