QUICK KREDIET: 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.
QUICK KREDIET
Largest movements
- Cash +€219,067
up €219,067 (+58.5%), from €374,241 to €593,308
mainly Other debts (+€435,000) and Net result for the year (+€332,612)
- Receivables within one year +€148,263
up €148,263 (+22.5%), from €659,061 to €807,324
of which Other amounts receivable: +€148,263
- Other debts +€435,000
new in 2025: €435,000
- Reserves -€102,388
down €102,388 (-2.3%), from €4.4m to €4.3m
- Financial income +€72,979
up €72,979 (+149%), from €48,842 to €121,821
- Staff costs +€55,570
up €55,570 (+16.5%), from €336,153 to €391,723
- Gross operating margin +€53,279
up €53,279 (+6.0%), from €886,039 to €939,319
- Depreciation +€11,923
up €11,923 (+11.3%), from €105,844 to €117,767
- Taxes +€9,814
up €9,814 (+5.2%), from €188,053 to €197,867
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.
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.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €4,488,111 | €4,822,042 | +€333,930 | +7.4% |
| Fixed assets | 21/28 | €981,312 | €947,912 | -€33,400 | -3.4% |
| Tangible fixed assets | 22/27 | €981,312 | €947,912 | -€33,400 | -3.4% |
| Land and buildings | 22 | €874,887 | €869,910 | -€4,977 | -0.6% |
| Plant, machinery and equipment | 23 | €14,858 | €14,237 | -€621 | -4.2% |
| Furniture and vehicles | 24 | €91,567 | €63,765 | -€27,803 | -30.4% |
| Current assets | 29/58 | €3,506,799 | €3,874,130 | +€367,331 | +10.5% |
| Amounts receivable within one year | 40/41 | €659,061 | €807,324 | +€148,263 | +22.5% |
| Trade receivables | 40 | €8,354 | €8,354 | = | 0.0% |
| Other amounts receivable | 41 | €650,708 | €798,971 | +€148,263 | +22.8% |
| Current investments | 50/53 | €2,473,497 | €2,473,497 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €374,241 | €593,308 | +€219,067 | +58.5% |
| Total equity and liabilities | 10/49 | €4,488,111 | €4,822,042 | +€333,930 | +7.4% |
| Equity | 10/15 | €4,440,612 | €4,338,224 | -€102,388 | -2.3% |
| Contributions | 10/11 | €20,460 | €20,460 | = | 0.0% |
| Reserves | 13 | €4,420,152 | €4,317,764 | -€102,388 | -2.3% |
| Distributable reserves | 133 | €4,420,152 | €4,317,764 | -€102,388 | -2.3% |
| Amounts payable | 17/49 | €47,500 | €483,818 | +€436,318 | +919% |
| Amounts payable within one year | 42/48 | €47,500 | €483,818 | +€436,318 | +919% |
| Trade debts | 44 | €11,026 | €2,716 | -€8,310 | -75.4% |
| Suppliers | 440/4 | €11,026 | €2,716 | -€8,310 | -75.4% |
| Taxes, remuneration and social security | 45 | €36,474 | €46,102 | +€9,628 | +26.4% |
| Remuneration and social security | 454/9 | €36,474 | €46,102 | +€9,628 | +26.4% |
| Other amounts payable | 47/48 | - | €435,000 | +€435,000 | |
| Remuneration, social security and pensions | 62 | €336,153 | €391,723 | +€55,570 | +16.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €105,844 | €117,767 | +€11,923 | +11.3% |
| Other operating charges | 640/8 | €13,041 | €19,598 | +€6,557 | +50.3% |
| Gross operating margin | 9900 | €886,039 | €939,319 | +€53,279 | +6.0% |
| Operating profit (loss) | 9901 | €431,002 | €410,231 | -€20,772 | -4.8% |
| Financial income | 75/76B | €48,842 | €121,821 | +€72,979 | +149% |
| Recurring financial income | 75 | €48,842 | €121,821 | +€72,979 | +149% |
| Financial charges | 65/66B | €1,026 | €1,572 | +€547 | +53.3% |
| Recurring financial charges | 65 | €1,026 | €1,572 | +€547 | +53.3% |
| Profit (loss) for the period before taxes | 9903 | €478,819 | €530,479 | +€51,660 | +10.8% |
| Income taxes | 67/77 | €188,053 | €197,867 | +€9,814 | +5.2% |
| Profit (loss) for the period | 9904 | €290,766 | €332,612 | +€41,846 | +14.4% |
| Profit (loss) for the period to be appropriated | 9905 | €290,766 | €332,612 | +€41,846 | +14.4% |
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 23 October 2026 via checked.be.