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RM: what changed

Two fiscal 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.

What changed

RM

BE 0445.911.077
NACE 68.121, Development of residential building projects
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€109,608
2024 · €182,084-€291,692
Equity
€435,420
2024 · €545,029-€109,608
Cash
€241,040
2024 · €16,245+€224,795
Balance sheet total
€782,303
2024 · €846,641-€64,338

Largest movements

2024 to 2025
Assets
  • Stocks and contracts -€324,482

    down €324,482 (-40.9%), from €792,579 to €468,097

  • Cash +€224,795

    up €224,795 (+1383.8%), from €16,245 to €241,040

    mainly Stocks and contracts (+€324,482) and Other debts (+€76,640)

  • Tangible fixed assets +€24,595

    new in 2025: €24,595

    of which Furniture and vehicles: +€18,294

  • Receivables within one year +€10,740

    up €10,740 (+53.8%), from €19,960 to €30,700

    of which Other amounts receivable: +€10,333

Equity and liabilities
  • Reserves -€109,608

    down €109,608 (-22.7%), from €483,029 to €373,420

    of which Distributable reserves: -€109,608

  • Other debts +€76,640

    up €76,640 (+66.9%), from €114,554 to €191,194

  • Debts after one year -€60,000

    down €60,000 (-33.5%), from €179,200 to €119,200

  • Trade debts +€28,509

    up €28,509 (+371.7%), from €7,669 to €36,179

Income statement
  • Gross operating margin -€240,257

    down €240,257, from €176,137 to -€64,120

  • Taxes +€42,555

    up €42,555 (+22438.9%), from €190 to €42,745

  • Financial income -€10,791

    down €10,791 (-56.0%), from €19,256 to €8,465

    of which Non-recurring financial income: -€12,600

From the 2024 result to the 2025 result

effect on the 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.

Result 2024 €182,084
Gross operating margin -€240,257
Depreciation -€318
Other operating charges +€1,309
Financial income -€10,791
Financial charges +€920
Taxes -€42,555
Result 2025 -€109,608

Cash bridge derived

cash 2024 to 2025

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.

From operations +€309,708
Investment -€24,913
Financing -€60,000
Cash 2024 €16,245
Net result for the year -€109,608
Depreciation +€318
Stocks and contracts +€324,482
Receivables within one year -€10,740
Smaller working-capital items +€106
Trade debts +€28,509
Other debts +€76,640
Investment in fixed assets (net) -€24,913
Debts after one year -€60,000
Cash 2025 €241,040
Every line side by side 47 lines
Line Code 2024 2025 Change %
Total assets 20/58 €846,641 €782,303 -€64,338 -7.6%
Fixed assets 21/28 €17,857 €42,452 +€24,595 +137.7%
Tangible fixed assets 22/27 - €24,595 +€24,595
Plant, machinery and equipment 23 - €6,300 +€6,300
Furniture and vehicles 24 - €18,294 +€18,294
Financial fixed assets 28 €17,857 €17,857 = 0.0%
Current assets 29/58 €828,784 €739,851 -€88,933 -10.7%
Stocks and contracts in progress 3 €792,579 €468,097 -€324,482 -40.9%
Stocks 30/36 €792,579 €468,097 -€324,482 -40.9%
Amounts receivable within one year 40/41 €19,960 €30,700 +€10,740 +53.8%
Trade receivables 40 €18,165 €18,572 +€407 +2.2%
Other amounts receivable 41 €1,795 €12,128 +€10,333 +575.8%
Cash at bank and in hand 54/58 €16,245 €241,040 +€224,795 +1383.8%
Deferred charges and accrued income 490/1 - €14 +€14
Total equity and liabilities 10/49 €846,641 €782,303 -€64,338 -7.6%
Equity 10/15 €545,029 €435,420 -€109,608 -20.1%
Contributions 10/11 €62,000 €62,000 = 0.0%
Capital 10 €62,000 €62,000 = 0.0%
Issued capital 100 €62,000 €62,000 = 0.0%
Reserves 13 €483,029 €373,420 -€109,608 -22.7%
Non-distributable reserves 130/1 €6,200 €6,200 = 0.0%
Legal reserve 130 €6,200 €6,200 = 0.0%
Distributable reserves 133 €476,829 €367,220 -€109,608 -23.0%
Amounts payable 17/49 €301,612 €346,883 +€45,270 +15.0%
Amounts payable after more than one year 17 €179,200 €119,200 -€60,000 -33.5%
Financial debts 170/4 €179,200 €119,200 -€60,000 -33.5%
Amounts payable within one year 42/48 €122,412 €227,640 +€105,228 +86.0%
Trade debts 44 €7,669 €36,179 +€28,509 +371.7%
Suppliers 440/4 €7,669 €36,179 +€28,509 +371.7%
Taxes, remuneration and social security 45 €189 €268 +€79 +41.6%
Taxes 450/3 €189 €268 +€79 +41.6%
Other amounts payable 47/48 €114,554 €191,194 +€76,640 +66.9%
Accrued charges and deferred income 492/3 - €42 +€42
Non-recurring operating income 76A €211,857 - -€211,857
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 - €318 +€318
Other operating charges 640/8 €2,733 €1,425 -€1,309 -47.9%
Gross operating margin 9900 €176,137 -€64,120 -€240,257
Operating profit (loss) 9901 €173,403 -€65,863 -€239,266
Financial income 75/76B €19,256 €8,465 -€10,791 -56.0%
Recurring financial income 75 €6,656 €8,465 +€1,809 +27.2%
Non-recurring financial income 76B €12,600 - -€12,600
Financial charges 65/66B €10,386 €9,466 -€920 -8.9%
Recurring financial charges 65 €10,386 €9,466 -€920 -8.9%
Profit (loss) for the period before taxes 9903 €182,273 -€66,863 -€249,137
Income taxes 67/77 €190 €42,745 +€42,555 +22438.9%
Profit (loss) for the period 9904 €182,084 -€109,608 -€291,692
Profit (loss) for the period to be appropriated 9905 €182,084 -€109,608 -€291,692

Source: filed annual accounts (NBB), fiscal 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 September 2026 via checked.be.