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PEMATIC: 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

PEMATIC

BE 0441.540.337
NACE 43.320, Joinery installation
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€8,032
2024 · -€27,560+€19,529
Equity
€190,747
2024 · €198,779-€8,032
Cash
€159,727
2024 · €161,306-€1,579
Balance sheet total
€194,969
2024 · €202,548-€7,579

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets -€15,892

    down €15,892 (-49.5%), from €32,137 to €16,244

    of which Furniture and vehicles: -€15,592

  • Receivables within one year +€9,889

    up €9,889 (+584.5%), from €1,692 to €11,581

    of which Trade receivables: +€9,805

Equity and liabilities
  • Profit (loss) carried forward -€8,032

    down €8,032 (-22.1%), from -€36,366 to -€44,398

Income statement
  • Gross operating margin +€19,516

    up €19,516, from -€10,645 to €8,871

  • Financial income +€660

    up €660 (+118.0%), from €559 to €1,219

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 -€27,560
Gross operating margin +€19,516
Depreciation -€95
Other operating charges +€6
Other operating items -€536
Financial income +€660
Financial charges -€19
Taxes -€4
Result 2025 -€8,032

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 -€1,579
Investment €0
Financing €0
Cash 2024 €161,306
Net result for the year -€8,032
Depreciation +€15,892
Smaller working-capital items -€3
Receivables within one year -€9,889
Trade debts +€579
Tax, wage and social debts +€779
Other debts -€905
Cash 2025 €159,727
Every line side by side 42 lines
Line Code 2024 2025 Change %
Total assets 20/58 €202,548 €194,969 -€7,579 -3.7%
Fixed assets 21/28 €32,137 €16,244 -€15,892 -49.5%
Tangible fixed assets 22/27 €32,137 €16,244 -€15,892 -49.5%
Land and buildings 22 €0 €0 =
Plant, machinery and equipment 23 €697 €396 -€301 -43.1%
Furniture and vehicles 24 €31,440 €15,848 -€15,592 -49.6%
Current assets 29/58 €170,411 €178,725 +€8,314 +4.9%
Stocks and contracts in progress 3 €6,818 €6,805 -€12 -0.2%
Stocks 30/36 €6,818 €6,805 -€12 -0.2%
Amounts receivable within one year 40/41 €1,692 €11,581 +€9,889 +584.5%
Trade receivables 40 €1,692 €11,497 +€9,805 +579.5%
Other amounts receivable 41 - €84 +€84
Cash at bank and in hand 54/58 €161,306 €159,727 -€1,579 -1.0%
Deferred charges and accrued income 490/1 €596 €612 +€16 +2.7%
Total equity and liabilities 10/49 €202,548 €194,969 -€7,579 -3.7%
Equity 10/15 €198,779 €190,747 -€8,032 -4.0%
Contributions 10/11 €19,000 €19,000 = 0.0%
Reserves 13 €216,145 €216,145 = 0.0%
Tax-exempt reserves 132 €2,800 €2,800 = 0.0%
Distributable reserves 133 €213,345 €213,345 = 0.0%
Profit (loss) carried forward 14 -€36,366 -€44,398 -€8,032 -22.1%
Amounts payable 17/49 €3,769 €4,222 +€453 +12.0%
Amounts payable within one year 42/48 €3,769 €4,222 +€453 +12.0%
Trade debts 44 €1,365 €1,944 +€579 +42.4%
Suppliers 440/4 €1,365 €1,944 +€579 +42.4%
Taxes, remuneration and social security 45 €795 €1,575 +€779 +98.0%
Taxes 450/3 €795 €1,575 +€779 +98.0%
Other amounts payable 47/48 €1,609 €704 -€905 -56.3%
Non-recurring operating income 76A €413 - -€413
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €15,797 €15,892 +€95 +0.6%
Other operating charges 640/8 €1,179 €1,173 -€6 -0.5%
Non-recurring operating charges 66A - €536 +€536
Gross operating margin 9900 -€10,645 €8,871 +€19,516
Operating profit (loss) 9901 -€27,621 -€8,730 +€18,891 +68.4%
Financial income 75/76B €559 €1,219 +€660 +118.0%
Recurring financial income 75 €559 €1,219 +€660 +118.0%
Financial charges 65/66B €262 €281 +€19 +7.2%
Recurring financial charges 65 €262 €281 +€19 +7.2%
Profit (loss) for the period before taxes 9903 -€27,324 -€7,792 +€19,532 +71.5%
Income taxes 67/77 €236 €240 +€4 +1.6%
Profit (loss) for the period 9904 -€27,560 -€8,032 +€19,529 +70.9%
Profit (loss) for the period to be appropriated 9905 -€27,560 -€8,032 +€19,529 +70.9%

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 30 September 2026 via checked.be.