Ons Eigen Huis: 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.
What changed
Ons Eigen Huis
NACE 64.922, Financial service activities, except insurance and pension funding
financial year 2025 compared with 2024filed annual accounts (NBB)
Net result for the year
€111,482
2024 · €123,479-€11,997
Equity
€7.2m
2024 · €7.1m+€97,431
Cash
€664,012
2024 · €410,995+€253,017
Balance sheet total
€22.7m
2024 · €23.9m-€1.2m
Largest movements
Assets
- Receivables after one year -€1.2m
down €1.2m (-5.3%), from €21.8m to €20.7m
- Cash +€253,017
up €253,017 (+61.6%), from €410,995 to €664,012
mainly Receivables after one year (+€1.2m) and Current investments (+€250,000)
- Current investments -€250,000
no longer reported in 2025 (was €250,000)
Equity and liabilities
- Debts after one year -€1.5m
down €1.5m (-9.9%), from €15.2m to €13.7m
Income statement
- Turnover -€55,898
down €55,898 (-8.4%), from €669,411 to €613,513
- Goods and materials -€42,594
down €42,594 (-11.8%), from €360,158 to €317,564
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.
Result 2024
€123,479
Turnover
-€55,898
Other operating income
-€1,464
Goods and materials
+€42,594
Services and other goods
-€2,944
Staff costs
+€148
Depreciation
-€1,958
Other operating charges
+€200
Other operating items
+€17,892
Financial income
-€4,592
Taxes
-€5,976
Result 2025
€111,482
raises the resultlowers the resultnot broken down further in the accounts
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.
From operations
+€1.5m
Investment
+€190,896
Financing
-€1.5m
Cash 2024
€410,995
From operations (derived)
+€1.5m
Net result for the year
+€111,482
Depreciation
+€15,093
Receivables after one year
+€1.2m
Receivables within one year
+€105,350
Deferred charges and accrued income
+€4,181
Smaller working-capital items
-€2,894
Other debts
+€161,001
Accrued charges and deferred income
-€6,871
Investment (derived)
+€190,896
Investment in fixed assets (net)
-€59,104
Current investments
+€250,000
Financing
-€1.5m
Debts after one year
-€1.5m
Current portion of long-term debt
+€32,493
Contributions, distributions and other
-€14,051
Cash 2025
€664,012
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €23,920,506 | €22,695,905 | -€1.2m | -5.1% |
| Fixed assets | 21/28 | €29,246 | €73,258 | +€44,011 | +150% |
| Tangible fixed assets | 22/27 | €29,246 | €73,258 | +€44,011 | +150% |
| Land and buildings | 22 | €16,966 | €14,667 | -€2,299 | -13.5% |
| Plant, machinery and equipment | 23 | €4,668 | €5,977 | +€1,309 | +28.1% |
| Furniture and vehicles | 24 | €7,613 | €52,613 | +€45,000 | +591% |
| Current assets | 29/58 | €23,891,260 | €22,622,648 | -€1.3m | -5.3% |
| Amounts receivable after more than one year | 29 | €21,840,743 | €20,678,646 | -€1.2m | -5.3% |
| Trade receivables | 290 | €21,840,743 | €20,678,646 | -€1.2m | -5.3% |
| Amounts receivable within one year | 40/41 | €1,383,756 | €1,278,406 | -€105,350 | -7.6% |
| Trade receivables | 40 | €1,380,360 | €1,278,406 | -€101,954 | -7.4% |
| Other amounts receivable | 41 | €3,396 | - | -€3,396 | |
| Current investments | 50/53 | €250,000 | - | -€250,000 | |
| Other investments | 51/53 | €250,000 | - | -€250,000 | |
| Cash at bank and in hand | 54/58 | €410,995 | €664,012 | +€253,017 | +61.6% |
| Deferred charges and accrued income | 490/1 | €5,766 | €1,584 | -€4,181 | -72.5% |
| Total equity and liabilities | 10/49 | €23,920,506 | €22,695,905 | -€1.2m | -5.1% |
| Equity | 10/15 | €7,080,728 | €7,178,159 | +€97,431 | +1.4% |
| Contributions | 10/11 | €507,366 | €507,366 | = | 0.0% |
| Capital | 10 | €507,366 | €507,366 | = | 0.0% |
| Issued capital | 100 | €616,250 | €616,250 | = | 0.0% |
| Uncalled capital | 101 | €108,884 | €108,884 | = | 0.0% |
| Reserves | 13 | €6,573,362 | €6,670,793 | +€97,431 | +1.5% |
| Non-distributable reserves | 130/1 | €61,625 | €61,625 | = | 0.0% |
| Legal reserve | 130 | €61,625 | €61,625 | = | 0.0% |
| Distributable reserves | 133 | €6,511,737 | €6,609,168 | +€97,431 | +1.5% |
| Provisions and deferred taxes | 16 | €35,248 | €35,248 | = | 0.0% |
| Provisions for liabilities and charges | 160/5 | €35,248 | €35,248 | = | 0.0% |
| Other liabilities and charges | 164/5 | €35,248 | €35,248 | = | 0.0% |
| Amounts payable | 17/49 | €16,804,530 | €15,482,498 | -€1.3m | -7.9% |
| Amounts payable after more than one year | 17 | €15,205,804 | €13,700,042 | -€1.5m | -9.9% |
| Financial debts | 170/4 | €15,205,804 | €13,700,042 | -€1.5m | -9.9% |
| Credit institutions | 173 | €15,205,804 | €13,700,042 | -€1.5m | -9.9% |
| Amounts payable within one year | 42/48 | €1,512,783 | €1,703,383 | +€190,601 | +12.6% |
| Current portion of amounts payable after more than one year | 42 | €1,473,269 | €1,505,762 | +€32,493 | +2.2% |
| Trade debts | 44 | €3,676 | €3,995 | +€319 | +8.7% |
| Suppliers | 440/4 | €3,676 | €3,995 | +€319 | +8.7% |
| Taxes, remuneration and social security | 45 | €21,793 | €18,580 | -€3,213 | -14.7% |
| Remuneration and social security | 454/9 | €21,793 | €18,580 | -€3,213 | -14.7% |
| Other amounts payable | 47/48 | €14,045 | €175,046 | +€161,001 | +1,146% |
| Accrued charges and deferred income | 492/3 | €85,943 | €79,073 | -€6,871 | -8.0% |
| Operating income | 70/76A | €722,147 | €682,677 | -€39,470 | -5.5% |
| Turnover | 70 | €669,411 | €613,513 | -€55,898 | -8.4% |
| Other operating income | 74 | €52,736 | €51,272 | -€1,464 | -2.8% |
| Non-recurring operating income | 76A | - | €17,892 | +€17,892 | |
| Operating charges | 60/66A | €625,781 | €587,741 | -€38,040 | -6.1% |
| Goods for resale, raw materials and consumables | 60 | €360,158 | €317,564 | -€42,594 | -11.8% |
| Purchases | 600/8 | €360,158 | €317,564 | -€42,594 | -11.8% |
| Services and other goods | 61 | €49,643 | €52,587 | +€2,944 | +5.9% |
| Remuneration, social security and pensions | 62 | €200,496 | €200,348 | -€148 | -0.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €13,135 | €15,093 | +€1,958 | +14.9% |
| Other operating charges | 640/8 | €2,349 | €2,150 | -€200 | -8.5% |
| Operating profit (loss) | 9901 | €96,366 | €94,936 | -€1,430 | -1.5% |
| Financial income | 75/76B | €33,718 | €29,126 | -€4,592 | -13.6% |
| Recurring financial income | 75 | €33,718 | €29,126 | -€4,592 | -13.6% |
| Income from current assets | 751 | €33,718 | €29,126 | -€4,592 | -13.6% |
| Profit (loss) for the period before taxes | 9903 | €130,083 | €124,061 | -€6,022 | -4.6% |
| Income taxes | 67/77 | €6,604 | €12,580 | +€5,976 | +90.5% |
| Taxes | 670/3 | €10,000 | €12,810 | +€2,810 | +28.1% |
| Tax adjustments and reversals of tax provisions | 77 | €3,396 | €230 | -€3,165 | -93.2% |
| Profit (loss) for the period | 9904 | €123,479 | €111,482 | -€11,997 | -9.7% |
| Profit (loss) for the period to be appropriated | 9905 | €123,479 | €111,482 | -€11,997 | -9.7% |
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 19 October 2026 via checked.be.