RETAIL SERVICES: 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.
RETAIL SERVICES
Largest movements
- Deferred charges and accrued income +€2,495
up €2,495 (+174.7%), from €1,428 to €3,923
- Trade debts +€5,957
up €5,957 (+2188.1%), from €272 to €6,229
- Equity -€3,400
down €3,400 (-53.3%), from €6,373 to €2,973
of which Profit (loss) carried forward: -€3,400
- Financial charges -€13,818
down €13,818 (-97.7%), from €14,150 to €332
- Financial income -€8,310
down €8,310 (-67.9%), from €12,233 to €3,923
- Gross operating margin +€5,732
up €5,732 (+45.6%), from -€12,563 to -€6,830
- Other operating charges -€958
down €958 (-88.9%), from €1,078 to €120
From the 31-12-2024 result to the 31-12-2025 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.
Cash bridge derived
Derived from the 31-12-2024 and 31-12-2025 balance sheets and the 31-12-2025 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 31-12-2024 | 31-12-2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €130,128 | €132,787 | +€2,659 | +2.0% |
| Fixed assets | 21/28 | €750 | €750 | = | 0.0% |
| Tangible fixed assets | 22/27 | €750 | €750 | = | 0.0% |
| Furniture and vehicles | 24 | €750 | €750 | = | 0.0% |
| Current assets | 29/58 | €129,378 | €132,037 | +€2,659 | +2.1% |
| Amounts receivable after more than one year | 29 | €0 | - | = | |
| Other amounts receivable | 291 | €0 | - | = | |
| Amounts receivable within one year | 40/41 | €127,948 | €127,703 | -€245 | -0.2% |
| Other amounts receivable | 41 | €127,948 | €127,703 | -€245 | -0.2% |
| Cash at bank and in hand | 54/58 | €3 | €411 | +€408 | +13568.4% |
| Deferred charges and accrued income | 490/1 | €1,428 | €3,923 | +€2,495 | +174.7% |
| Total equity and liabilities | 10/49 | €130,128 | €132,787 | +€2,659 | +2.0% |
| Equity | 10/15 | €6,373 | €2,973 | -€3,400 | -53.3% |
| Contributions | 10/11 | €18,606 | €18,606 | = | 0.0% |
| Reserves | 13 | €1,750,432 | €1,750,432 | = | 0.0% |
| Distributable reserves | 133 | €1,750,432 | €1,750,432 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€32,665 | -€36,065 | -€3,400 | -10.4% |
| Advance to shareholders on the distribution of net assets | 19 | €1,730,000 | €1,730,000 | = | 0.0% |
| Provisions and deferred taxes | 16 | €110,203 | €110,097 | -€105 | -0.1% |
| Provisions for liabilities and charges | 160/5 | €110,203 | €110,097 | -€105 | -0.1% |
| Taxes | 161 | €110,203 | €110,097 | -€105 | -0.1% |
| Amounts payable | 17/49 | €13,553 | €19,716 | +€6,164 | +45.5% |
| Amounts payable within one year | 42/48 | €13,421 | €19,510 | +€6,089 | +45.4% |
| Trade debts | 44 | €272 | €6,229 | +€5,957 | +2188.1% |
| Suppliers | 440/4 | €272 | €6,229 | +€5,957 | +2188.1% |
| Taxes, remuneration and social security | 45 | €0 | - | = | |
| Taxes | 450/3 | €0 | - | = | |
| Other amounts payable | 47/48 | €13,149 | €13,281 | +€131 | +1.0% |
| Accrued charges and deferred income | 492/3 | €131 | €206 | +€75 | +56.9% |
| Non-recurring operating income | 76A | €0 | - | = | |
| Other operating charges | 640/8 | €1,078 | €120 | -€958 | -88.9% |
| Non-recurring operating charges | 66A | €0 | - | = | |
| Gross operating margin | 9900 | -€12,563 | -€6,830 | +€5,732 | +45.6% |
| Operating profit (loss) | 9901 | -€13,641 | -€6,950 | +€6,691 | +49.0% |
| Financial income | 75/76B | €12,233 | €3,923 | -€8,310 | -67.9% |
| Recurring financial income | 75 | €12,233 | €3,923 | -€8,310 | -67.9% |
| Financial charges | 65/66B | €14,150 | €332 | -€13,818 | -97.7% |
| Recurring financial charges | 65 | €14,150 | €332 | -€13,818 | -97.7% |
| Profit (loss) for the period before taxes | 9903 | -€15,558 | -€3,359 | +€12,198 | +78.4% |
| Income taxes | 67/77 | -€6 | €40 | +€46 | |
| Profit (loss) for the period | 9904 | -€15,552 | -€3,400 | +€12,152 | +78.1% |
| Profit (loss) for the period to be appropriated | 9905 | -€15,552 | -€3,400 | +€12,152 | +78.1% |
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 12 October 2026 via checked.be.