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PANORAMA: 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

PANORAMA

BE 0448.093.775
NACE 47.742, Retail sale of prescription glasses, lenses and sunglasses
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€7,930
2024 · -€7,531+€15,460
Equity
€188,733
2024 · €180,804+€7,930
Cash
€2,456
2024 · €1,118+€1,338
Balance sheet total
€220,896
2024 · €217,947+€2,949

Largest movements

2024 to 2025
Assets

No asset line moved by more than 1% of the balance sheet total.

    Equity and liabilities
    • Profit (loss) carried forward +€7,930

      up €7,930 (+4.9%), from €160,352 to €168,282

    • Tax, wage and social debts -€7,882

      down €7,882 (-29.7%), from €26,579 to €18,697

      of which Taxes: -€6,668

    • Trade debts +€7,358

      up €7,358 (+120.5%), from €6,108 to €13,466

    • Other debts -€4,457

      down €4,457 (-100.0%), from €4,457 to €0

    Income statement
    • Turnover +€27,574

      up €27,574 (+16.3%), from €169,154 to €196,729

    • Gross operating margin +€23,737

      up €23,737 (+29.3%), from €80,979 to €104,716

    • Staff costs +€7,627

      up €7,627 (+7.6%), from €100,255 to €107,882

    • Purchases and services +€3,838

      up €3,838 (+4.4%), from €88,175 to €92,013

    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 -€7,531
    Gross operating margin +€23,737
    Staff costs -€7,627
    Financial income -€754
    Financial charges +€104
    Result 2025 €7,930

    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 +€1,338
    Investment €0
    Financing €0
    Cash 2024 €1,118
    Net result for the year +€7,930
    Receivables within one year +€97
    Deferred charges and accrued income -€1,707
    Trade debts +€7,358
    Tax, wage and social debts -€7,882
    Other debts -€4,457
    Cash 2025 €2,456
    Every line side by side 41 lines
    Line Code 2024 2025 Change %
    Total assets 20/58 €217,947 €220,896 +€2,949 +1.4%
    Fixed assets 21/28 €348 €348 = 0.0%
    Tangible fixed assets 22/27 €0 €0 =
    Plant, machinery and equipment 23 €0 €0 =
    Furniture and vehicles 24 €0 €0 =
    Financial fixed assets 28 €348 €348 = 0.0%
    Current assets 29/58 €217,599 €220,548 +€2,949 +1.4%
    Amounts receivable within one year 40/41 €216,481 €216,384 -€97 0.0%
    Trade receivables 40 €15,055 €17,987 +€2,932 +19.5%
    Other amounts receivable 41 €201,426 €198,397 -€3,029 -1.5%
    Cash at bank and in hand 54/58 €1,118 €2,456 +€1,338 +119.7%
    Deferred charges and accrued income 490/1 - €1,707 +€1,707
    Total equity and liabilities 10/49 €217,947 €220,896 +€2,949 +1.4%
    Equity 10/15 €180,804 €188,733 +€7,930 +4.4%
    Contributions 10/11 €18,592 €18,592 = 0.0%
    Outside capital 11 - €18,592 +€18,592
    Other 1109/19 - €18,592 +€18,592
    Reserves 13 €1,859 €1,859 = 0.0%
    Non-distributable reserves 130/1 €1,859 €1,859 = 0.0%
    Reserves not available under the articles 1311 €1,859 €1,859 = 0.0%
    Profit (loss) carried forward 14 €160,352 €168,282 +€7,930 +4.9%
    Amounts payable 17/49 €37,144 €32,163 -€4,981 -13.4%
    Amounts payable within one year 42/48 €37,144 €32,163 -€4,981 -13.4%
    Trade debts 44 €6,108 €13,466 +€7,358 +120.5%
    Suppliers 440/4 €6,108 €13,466 +€7,358 +120.5%
    Taxes, remuneration and social security 45 €26,579 €18,697 -€7,882 -29.7%
    Taxes 450/3 €10,366 €3,698 -€6,668 -64.3%
    Remuneration and social security 454/9 €16,213 €14,999 -€1,213 -7.5%
    Other amounts payable 47/48 €4,457 €0 -€4,457 -100.0%
    Turnover 70 €169,154 €196,729 +€27,574 +16.3%
    Goods, raw materials, services and sundry goods 60/61 €88,175 €92,013 +€3,838 +4.4%
    Remuneration, social security and pensions 62 €100,255 €107,882 +€7,627 +7.6%
    Gross operating margin 9900 €80,979 €104,716 +€23,737 +29.3%
    Operating profit (loss) 9901 -€19,276 -€3,166 +€16,110 +83.6%
    Financial income 75/76B €11,850 €11,096 -€754 -6.4%
    Recurring financial income 75 €11,850 €11,096 -€754 -6.4%
    Financial charges 65/66B €104 €0 -€104 -100.0%
    Recurring financial charges 65 €104 €0 -€104 -100.0%
    Profit (loss) for the period before taxes 9903 -€7,531 €7,930 +€15,460
    Profit (loss) for the period 9904 -€7,531 €7,930 +€15,460
    Profit (loss) for the period to be appropriated 9905 -€7,531 €7,930 +€15,460

    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.