O SAVEUR: 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.
O SAVEUR
Largest movements
- Receivables within one year -€15,728
down €15,728 (-15.4%), from €102,127 to €86,399
of which Trade receivables: -€33,755
- Cash +€3,106
up €3,106 (+26.5%), from €11,731 to €14,837
mainly Receivables within one year (+€15,728) and Stocks and contracts (+€1,845)
- Stocks and contracts -€1,845
down €1,845 (-61.5%), from €3,000 to €1,155
- Tangible fixed assets -€1,427
down €1,427 (-50.0%), from €2,853 to €1,427
of which Furniture and vehicles: -€973
- Trade debts -€11,201
down €11,201 (-11.1%), from €101,264 to €90,063
- Other debts -€5,435
down €5,435 (-100.0%), from €5,435 to €0
- Profit (loss) carried forward +€1,405
up €1,405 (+23.9%), from €5,884 to €7,289
- Gross operating margin +€1,566
up €1,566 (+54.8%), from €2,858 to €4,424
- Taxes +€379
up €379 (+440.8%), from €86 to €465
- Financial income -€80
down €80 (-100.0%), from €80 to €0
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.
Cash bridge derived
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 | €119,711 | €103,818 | -€15,894 | -13.3% |
| Fixed assets | 21/28 | €2,853 | €1,427 | -€1,427 | -50.0% |
| Tangible fixed assets | 22/27 | €2,853 | €1,427 | -€1,427 | -50.0% |
| Plant, machinery and equipment | 23 | €907 | €454 | -€454 | -50.0% |
| Furniture and vehicles | 24 | €1,946 | €973 | -€973 | -50.0% |
| Current assets | 29/58 | €116,858 | €102,391 | -€14,467 | -12.4% |
| Stocks and contracts in progress | 3 | €3,000 | €1,155 | -€1,845 | -61.5% |
| Stocks | 30/36 | €3,000 | €1,155 | -€1,845 | -61.5% |
| Amounts receivable within one year | 40/41 | €102,127 | €86,399 | -€15,728 | -15.4% |
| Trade receivables | 40 | €99,339 | €65,584 | -€33,755 | -34.0% |
| Other amounts receivable | 41 | €2,788 | €20,815 | +€18,027 | +646.6% |
| Cash at bank and in hand | 54/58 | €11,731 | €14,837 | +€3,106 | +26.5% |
| Total equity and liabilities | 10/49 | €119,711 | €103,818 | -€15,894 | -13.3% |
| Equity | 10/15 | €11,884 | €13,289 | +€1,405 | +11.8% |
| Contributions | 10/11 | €6,000 | €6,000 | = | 0.0% |
| Contributions outside capital | 11 | - | €6,000 | +€6,000 | |
| Other | 1109/19 | - | €6,000 | +€6,000 | |
| Profit (loss) carried forward | 14 | €5,884 | €7,289 | +€1,405 | +23.9% |
| Amounts payable | 17/49 | €107,828 | €90,528 | -€17,299 | -16.0% |
| Amounts payable within one year | 42/48 | €107,828 | €90,528 | -€17,299 | -16.0% |
| Trade debts | 44 | €101,264 | €90,063 | -€11,201 | -11.1% |
| Suppliers | 440/4 | €101,264 | €90,063 | -€11,201 | -11.1% |
| Taxes, remuneration and social security | 45 | €1,129 | €465 | -€663 | -58.8% |
| Taxes | 450/3 | €1,129 | €465 | -€663 | -58.8% |
| Other amounts payable | 47/48 | €5,435 | €0 | -€5,435 | -100.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,427 | €1,427 | = | 0.0% |
| Other operating charges | 640/8 | €902 | €895 | -€8 | -0.8% |
| Gross operating margin | 9900 | €2,858 | €4,424 | +€1,566 | +54.8% |
| Operating profit (loss) | 9901 | €529 | €2,102 | +€1,574 | +297.7% |
| Financial income | 75/76B | €80 | €0 | -€80 | -100.0% |
| Recurring financial income | 75 | €80 | €0 | -€80 | -100.0% |
| Financial charges | 65/66B | €213 | €231 | +€18 | +8.5% |
| Recurring financial charges | 65 | €213 | €231 | +€18 | +8.5% |
| Profit (loss) for the period before taxes | 9903 | €395 | €1,871 | +€1,476 | +373.8% |
| Income taxes | 67/77 | €86 | €465 | +€379 | +440.8% |
| Profit (loss) for the period | 9904 | €309 | €1,405 | +€1,097 | +355.1% |
| Profit (loss) for the period to be appropriated | 9905 | €309 | €1,405 | +€1,097 | +355.1% |
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 12 October 2026 via checked.be.