Ripplevale Consulting: 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.
Ripplevale Consulting
Largest movements
- Current investments +€509,800
new in 2025: €509,800
- Cash -€492,757
down €492,757 (-90.5%), from €544,304 to €51,547
mainly Current investments (-€509,800) and Tax, wage and social debts (-€149,327)
- Receivables within one year -€63,867
down €63,867 (-85.0%), from €75,145 to €11,278
of which Trade receivables: -€72,793
- Tax, wage and social debts -€149,327
down €149,327 (-93.3%), from €160,009 to €10,682
- Reserves +€118,044
up €118,044 (+27.4%), from €431,560 to €549,604
- Trade debts -€12,642
down €12,642 (-91.2%), from €13,864 to €1,222
- Gross operating margin -€30,649
down €30,649 (-14.8%), from €207,534 to €176,885
- Taxes -€7,575
down €7,575 (-11.6%), from €65,575 to €58,000
- Financial income +€6,438
new in 2025: €6,438
- Financial charges +€5,194
up €5,194 (+6925.8%), from €75 to €5,269
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.
Cash bridge derived
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 | €622,020 | €573,935 | -€48,085 | -7.7% |
| Fixed assets | 21/28 | €2,471 | €861 | -€1,610 | -65.2% |
| Tangible fixed assets | 22/27 | €2,271 | €661 | -€1,610 | -70.9% |
| Plant, machinery and equipment | 23 | €247 | - | -€247 | |
| Furniture and vehicles | 24 | €2,024 | €661 | -€1,363 | -67.3% |
| Financial fixed assets | 28 | €200 | €200 | = | 0.0% |
| Current assets | 29/58 | €619,549 | €573,074 | -€46,475 | -7.5% |
| Amounts receivable within one year | 40/41 | €75,145 | €11,278 | -€63,867 | -85.0% |
| Trade receivables | 40 | €75,145 | €2,352 | -€72,793 | -96.9% |
| Other amounts receivable | 41 | - | €8,926 | +€8,926 | |
| Current investments | 50/53 | - | €509,800 | +€509,800 | |
| Cash at bank and in hand | 54/58 | €544,304 | €51,547 | -€492,757 | -90.5% |
| Deferred charges and accrued income | 490/1 | €100 | €449 | +€349 | +349.0% |
| Total equity and liabilities | 10/49 | €622,020 | €573,935 | -€48,085 | -7.7% |
| Equity | 10/15 | €436,560 | €554,604 | +€118,044 | +27.0% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €431,560 | €549,604 | +€118,044 | +27.4% |
| Distributable reserves | 133 | €431,560 | €549,604 | +€118,044 | +27.4% |
| Amounts payable | 17/49 | €185,460 | €19,331 | -€166,129 | -89.6% |
| Amounts payable within one year | 42/48 | €185,460 | €19,331 | -€166,129 | -89.6% |
| Trade debts | 44 | €13,864 | €1,222 | -€12,642 | -91.2% |
| Suppliers | 440/4 | €13,864 | €1,222 | -€12,642 | -91.2% |
| Taxes, remuneration and social security | 45 | €160,009 | €10,682 | -€149,327 | -93.3% |
| Taxes | 450/3 | €160,009 | €10,682 | -€149,327 | -93.3% |
| Other amounts payable | 47/48 | €11,586 | €7,427 | -€4,159 | -35.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,278 | €1,610 | -€668 | -29.3% |
| Other operating charges | 640/8 | - | €400 | +€400 | |
| Gross operating margin | 9900 | €207,534 | €176,885 | -€30,649 | -14.8% |
| Operating profit (loss) | 9901 | €205,256 | €174,876 | -€30,380 | -14.8% |
| Financial income | 75/76B | - | €6,438 | +€6,438 | |
| Recurring financial income | 75 | - | €6,438 | +€6,438 | |
| Financial charges | 65/66B | €75 | €5,269 | +€5,194 | +6925.8% |
| Recurring financial charges | 65 | €75 | €5,269 | +€5,194 | +6925.8% |
| Profit (loss) for the period before taxes | 9903 | €205,181 | €176,044 | -€29,137 | -14.2% |
| Income taxes | 67/77 | €65,575 | €58,000 | -€7,575 | -11.6% |
| Profit (loss) for the period | 9904 | €139,606 | €118,044 | -€21,562 | -15.4% |
| Profit (loss) for the period to be appropriated | 9905 | €139,606 | €118,044 | -€21,562 | -15.4% |
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 9 October 2026 via checked.be.