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NM Construction: what changed

Two fiscal 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.

What changed

NM Construction

BE 0800.321.462
NACE 41.001, General construction of residential buildings
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€5,555
2024 · €9,297-€14,852
Equity
-€1,859
2024 · €3,696-€5,555
Cash
€17,985
2024 · €10,730+€7,255
Balance sheet total
€57,599
2024 · €71,098-€13,499

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets -€10,743

    down €10,743 (-23.8%), from €45,120 to €34,377

    of which Furniture and vehicles: -€15,263

  • Receivables within one year -€9,935

    down €9,935 (-67.0%), from €14,827 to €4,892

    of which Other amounts receivable: -€11,266

  • Cash +€7,255

    up €7,255 (+67.6%), from €10,730 to €17,985

    mainly Depreciation (+€16,228) and Accrued charges and deferred income (+€15,000)

Equity and liabilities
  • Accrued charges and deferred income +€15,000

    new in 2025: €15,000

  • Trade debts -€11,464

    down €11,464 (-93.9%), from €12,203 to €739

  • Debts after one year -€10,141

    down €10,141 (-30.9%), from €32,773 to €22,632

  • Profit (loss) carried forward -€5,555

    down €5,555, from €3,596 to -€1,959

  • Tax, wage and social debts -€4,761

    down €4,761 (-83.4%), from €5,705 to €944

Income statement
  • Gross operating margin -€15,114

    down €15,114 (-52.6%), from €28,749 to €13,635

  • Depreciation +€2,784

    up €2,784 (+20.7%), from €13,444 to €16,228

  • Taxes -€1,778

    down €1,778 (-82.9%), from €2,144 to €366

  • Other operating charges -€790

    down €790 (-52.2%), from €1,514 to €724

  • Financial charges -€478

    down €478 (-20.3%), from €2,350 to €1,872

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 €9,297
Gross operating margin -€15,114
Depreciation -€2,784
Other operating charges +€790
Financial income -€1
Financial charges +€478
Taxes +€1,778
Result 2025 -€5,555

Cash bridge derived

cash 2024 to 2025

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.

From operations +€22,426
Investment -€5,485
Financing -€9,686
Cash 2024 €10,730
Net result for the year -€5,555
Depreciation +€16,228
Receivables within one year +€9,935
Deferred charges and accrued income +€76
Trade debts -€11,464
Tax, wage and social debts -€4,761
Other debts +€2,967
Accrued charges and deferred income +€15,000
Investment in fixed assets (net) -€5,485
Debts after one year -€10,141
Current portion of long-term debt +€455
Cash 2025 €17,985
Every line side by side 38 lines
Line Code 2024 2025 Change %
Total assets 20/58 €71,098 €57,599 -€13,499 -19.0%
Fixed assets 21/28 €45,120 €34,377 -€10,743 -23.8%
Tangible fixed assets 22/27 €45,120 €34,377 -€10,743 -23.8%
Plant, machinery and equipment 23 €1,212 €5,731 +€4,519 +372.9%
Furniture and vehicles 24 €43,909 €28,646 -€15,263 -34.8%
Current assets 29/58 €25,978 €23,222 -€2,756 -10.6%
Amounts receivable within one year 40/41 €14,827 €4,892 -€9,935 -67.0%
Trade receivables 40 - €1,330 +€1,330
Other amounts receivable 41 €14,827 €3,561 -€11,266 -76.0%
Cash at bank and in hand 54/58 €10,730 €17,985 +€7,255 +67.6%
Deferred charges and accrued income 490/1 €421 €345 -€76 -18.0%
Total equity and liabilities 10/49 €71,098 €57,599 -€13,499 -19.0%
Equity 10/15 €3,696 -€1,859 -€5,555
Contributions 10/11 €100 €100 = 0.0%
Profit (loss) carried forward 14 €3,596 -€1,959 -€5,555
Amounts payable 17/49 €67,402 €59,458 -€7,944 -11.8%
Amounts payable after more than one year 17 €32,773 €22,632 -€10,141 -30.9%
Financial debts 170/4 €32,773 €22,632 -€10,141 -30.9%
Amounts payable within one year 42/48 €34,629 €21,826 -€12,803 -37.0%
Current portion of amounts payable after more than one year 42 €9,686 €10,141 +€455 +4.7%
Trade debts 44 €12,203 €739 -€11,464 -93.9%
Suppliers 440/4 €12,203 €739 -€11,464 -93.9%
Taxes, remuneration and social security 45 €5,705 €944 -€4,761 -83.4%
Taxes 450/3 €5,705 €944 -€4,761 -83.4%
Other amounts payable 47/48 €7,035 €10,002 +€2,967 +42.2%
Accrued charges and deferred income 492/3 - €15,000 +€15,000
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €13,444 €16,228 +€2,784 +20.7%
Other operating charges 640/8 €1,514 €724 -€790 -52.2%
Gross operating margin 9900 €28,749 €13,635 -€15,114 -52.6%
Operating profit (loss) 9901 €13,790 -€3,317 -€17,107
Financial income 75/76B €1 €0 -€1 -96.9%
Recurring financial income 75 €1 €0 -€1 -96.9%
Financial charges 65/66B €2,350 €1,872 -€478 -20.3%
Recurring financial charges 65 €2,350 €1,872 -€478 -20.3%
Profit (loss) for the period before taxes 9903 €11,442 -€5,189 -€16,631
Income taxes 67/77 €2,144 €366 -€1,778 -82.9%
Profit (loss) for the period 9904 €9,297 -€5,555 -€14,852
Profit (loss) for the period to be appropriated 9905 €9,297 -€5,555 -€14,852

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.