Real Living: 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.
Real Living
Largest movements
- Receivables within one year -€8,677
no longer reported in 2025 (was €8,677)
of which Trade receivables: -€8,259
- Cash +€6,087
up €6,087 (+53,306%), from €11 to €6,099
mainly Receivables within one year (+€8,677) and Net result for the year (+€3,646)
- Deferred charges and accrued income +€3,982
new in 2025: €3,982
- Tangible fixed assets -€2,714
down €2,714 (-25.7%), from €10,548 to €7,834
- Profit (loss) carried forward +€3,646
up €3,646 (+50.4%), from -€7,230 to -€3,585
- Other debts -€3,191
down €3,191 (-63.7%), from €5,013 to €1,822
- Debts after one year -€1,856
down €1,856 (-59.2%), from €3,133 to €1,277
- Tax, wage and social debts +€1,693
up €1,693 (+45.8%), from €3,699 to €5,391
- Trade debts -€1,220
down €1,220 (-18.3%), from €6,667 to €5,447
- Staff costs -€12,819
down €12,819 (-89.9%), from €14,266 to €1,447
- Taxes +€1,235
up €1,235 (+663%), from €186 to €1,421
- Depreciation +€903
up €903 (+49.8%), from €1,811 to €2,714
- Other operating charges -€674
down €674 (-62.3%), from €1,082 to €407
- Gross operating margin -€469
down €469 (-3.3%), from €14,228 to €13,759
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 | €19,236 | €17,916 | -€1,321 | -6.9% |
| Fixed assets | 21/28 | €10,548 | €7,834 | -€2,714 | -25.7% |
| Tangible fixed assets | 22/27 | €10,548 | €7,834 | -€2,714 | -25.7% |
| Furniture and vehicles | 24 | €10,548 | €7,834 | -€2,714 | -25.7% |
| Current assets | 29/58 | €8,688 | €10,081 | +€1,393 | +16.0% |
| Amounts receivable within one year | 40/41 | €8,677 | - | -€8,677 | |
| Trade receivables | 40 | €8,259 | - | -€8,259 | |
| Other amounts receivable | 41 | €417 | - | -€417 | |
| Cash at bank and in hand | 54/58 | €11 | €6,099 | +€6,087 | +53,306% |
| Deferred charges and accrued income | 490/1 | - | €3,982 | +€3,982 | |
| Total equity and liabilities | 10/49 | €19,236 | €17,916 | -€1,321 | -6.9% |
| Equity | 10/15 | -€2,230 | €1,415 | +€3,646 | |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€7,230 | -€3,585 | +€3,646 | +50.4% |
| Amounts payable | 17/49 | €21,467 | €16,500 | -€4,966 | -23.1% |
| Amounts payable after more than one year | 17 | €3,133 | €1,277 | -€1,856 | -59.2% |
| Financial debts | 170/4 | €3,133 | €1,277 | -€1,856 | -59.2% |
| Amounts payable within one year | 42/48 | €17,434 | €14,923 | -€2,510 | -14.4% |
| Current portion of amounts payable after more than one year | 42 | €1,932 | €1,856 | -€77 | -4.0% |
| Financial debts | 43 | €123 | €407 | +€284 | +232% |
| Credit institutions | 430/8 | €123 | €407 | +€284 | +232% |
| Trade debts | 44 | €6,667 | €5,447 | -€1,220 | -18.3% |
| Suppliers | 440/4 | €6,667 | €5,447 | -€1,220 | -18.3% |
| Taxes, remuneration and social security | 45 | €3,699 | €5,391 | +€1,693 | +45.8% |
| Taxes | 450/3 | €3,699 | €5,391 | +€1,693 | +45.8% |
| Other amounts payable | 47/48 | €5,013 | €1,822 | -€3,191 | -63.7% |
| Accrued charges and deferred income | 492/3 | €900 | €300 | -€600 | -66.7% |
| Remuneration, social security and pensions | 62 | €14,266 | €1,447 | -€12,819 | -89.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,811 | €2,714 | +€903 | +49.8% |
| Other operating charges | 640/8 | €1,082 | €407 | -€674 | -62.3% |
| Gross operating margin | 9900 | €14,228 | €13,759 | -€469 | -3.3% |
| Operating profit (loss) | 9901 | -€2,931 | €9,191 | +€12,122 | |
| Financial charges | 65/66B | €4,113 | €4,124 | +€11 | +0.3% |
| Recurring financial charges | 65 | €4,113 | €4,124 | +€11 | +0.3% |
| Profit (loss) for the period before taxes | 9903 | -€7,044 | €5,066 | +€12,110 | |
| Income taxes | 67/77 | €186 | €1,421 | +€1,235 | +663% |
| Profit (loss) for the period | 9904 | -€7,230 | €3,646 | +€10,876 | |
| Profit (loss) for the period to be appropriated | 9905 | -€7,230 | €3,646 | +€10,876 |
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 28 October 2026 via checked.be.