RAMINVEST: 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.
RAMINVEST
Largest movements
- Cash +€19,874
up €19,874 (+50.5%), from €39,328 to €59,202
mainly Net result for the year (+€19,659) and Depreciation (+€1,056)
- Profit (loss) carried forward +€19,659
up €19,659 (+82.7%), from €23,769 to €43,429
- Gross operating margin +€17,859
up €17,859 (+216%), from €8,283 to €26,142
- Financial income -€1,376
down €1,376 (-36.2%), from €3,797 to €2,421
- Depreciation -€772
down €772 (-42.2%), from €1,828 to €1,056
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 | €347,694 | €367,314 | +€19,619 | +5.6% |
| Fixed assets | 21/28 | €157,052 | €155,996 | -€1,056 | -0.7% |
| Tangible fixed assets | 22/27 | €157,052 | €155,996 | -€1,056 | -0.7% |
| Land and buildings | 22 | €91,772 | €90,716 | -€1,056 | -1.2% |
| Assets under construction and advance payments | 27 | €65,281 | €65,281 | = | 0.0% |
| Current assets | 29/58 | €190,642 | €211,317 | +€20,675 | +10.8% |
| Amounts receivable within one year | 40/41 | €1,314 | €2,115 | +€801 | +61.0% |
| Other amounts receivable | 41 | €1,314 | €2,115 | +€801 | +61.0% |
| Current investments | 50/53 | €150,000 | €150,000 | = | 0.0% |
| Cash at bank and in hand | 54/58 | €39,328 | €59,202 | +€19,874 | +50.5% |
| Total equity and liabilities | 10/49 | €347,694 | €367,314 | +€19,619 | +5.6% |
| Equity | 10/15 | €258,289 | €277,949 | +€19,659 | +7.6% |
| Contributions | 10/11 | €213,200 | €213,200 | = | 0.0% |
| Capital | 10 | €213,200 | €213,200 | = | 0.0% |
| Issued capital | 100 | €213,200 | €213,200 | = | 0.0% |
| Reserves | 13 | €21,320 | €21,320 | = | 0.0% |
| Non-distributable reserves | 130/1 | €21,320 | €21,320 | = | 0.0% |
| Legal reserve | 130 | €21,320 | €21,320 | = | 0.0% |
| Profit (loss) carried forward | 14 | €23,769 | €43,429 | +€19,659 | +82.7% |
| Amounts payable | 17/49 | €89,405 | €89,365 | -€40 | 0.0% |
| Amounts payable within one year | 42/48 | €89,405 | €89,365 | -€40 | 0.0% |
| Trade debts | 44 | €585 | €545 | -€40 | -6.8% |
| Suppliers | 440/4 | €585 | €545 | -€40 | -6.8% |
| Other amounts payable | 47/48 | €88,821 | €88,821 | = | 0.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,828 | €1,056 | -€772 | -42.2% |
| Other operating charges | 640/8 | €7,579 | €7,815 | +€236 | +3.1% |
| Gross operating margin | 9900 | €8,283 | €26,142 | +€17,859 | +216% |
| Operating profit (loss) | 9901 | -€1,124 | €17,271 | +€18,395 | |
| Financial income | 75/76B | €3,797 | €2,421 | -€1,376 | -36.2% |
| Recurring financial income | 75 | €3,797 | €2,421 | -€1,376 | -36.2% |
| Financial charges | 65/66B | €90 | €32 | -€58 | -64.4% |
| Recurring financial charges | 65 | €90 | €32 | -€58 | -64.4% |
| Profit (loss) for the period before taxes | 9903 | €2,583 | €19,659 | +€17,076 | +661% |
| Profit (loss) for the period | 9904 | €2,583 | €19,659 | +€17,076 | +661% |
| Profit (loss) for the period to be appropriated | 9905 | €2,583 | €19,659 | +€17,076 | +661% |
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 30 October 2026 via checked.be.