Rob & Zoon: what changed
What changed
Rob & Zoon
NACE 47.811, Retail sale of cars and light vans (up to 3.5 tonnes)
filed annual accounts (NBB)
Net result for the year
-€79,933
2024 · €75,049-€154,983
Equity
-€19,154
2024 · €60,780-€79,933
Cash
€7,259
2024 · €38,572-€31,314
Balance sheet total
€1.5m
2024 · €1.6m-€54,239
Largest movements
Assets
- Stocks and contracts -€37,171
down €37,171 (-7.8%), from €473,647 to €436,477
- Receivables within one year +€32,247
new in 2025: €32,247
of which Other amounts receivable: +€25,000
- Cash -€31,314
down €31,314 (-81.2%), from €38,572 to €7,259
mainly Debts after one year (-€118,640) and Net result for the year (-€79,933)
- Tangible fixed assets -€17,636
down €17,636 (-1.7%), from €1.1m to €1.0m
of which Land and buildings: -€16,681
Equity and liabilities
- Short-term financial debts +€120,889
up €120,889 (+121%), from €100,000 to €220,889
- Debts after one year -€118,640
down €118,640 (-9.0%), from €1.3m to €1.2m
- Reserves -€55,780
no longer reported in 2025 (was €55,780)
- Profit (loss) carried forward -€24,154
new in 2025: -€24,154
- Tax, wage and social debts -€20,353
down €20,353 (-45.9%), from €44,371 to €24,018
Income statement
- Gross operating margin -€183,529
down €183,529 (-96.0%), from €191,275 to €7,746
- Taxes -€17,992
no longer reported in 2025 (was €17,992)
- Financial charges -€9,643
down €9,643 (-15.9%), from €60,506 to €50,863
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€75,049
Gross operating margin
-€183,529
Depreciation
-€673
Other operating charges
+€799
Other operating items
+€823
Financial income
-€37
Financial charges
+€9,643
Taxes
+€17,992
Result 2025
-€79,933
raises the resultlowers the resultnot broken down further in the accounts
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
-€42,517
Investment
-€11,261
Financing
+€22,464
Cash 2024
€38,572
From operations (derived)
-€42,517
Net result for the year
-€79,933
Depreciation
+€28,897
Stocks and contracts
+€37,171
Receivables within one year
-€32,247
Deferred charges and accrued income
+€365
Trade debts
+€8,982
Tax, wage and social debts
-€20,353
Other debts
+€14,601
Investment (derived)
-€11,261
Investment in fixed assets (net)
-€11,261
Financing
+€22,464
Debts after one year
-€118,640
Current portion of long-term debt
+€20,215
Short-term financial debts
+€120,889
Cash 2025
€7,259
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €1,573,434 | €1,519,195 | -€54,239 | -3.4% |
| Fixed assets | 21/28 | €1,056,338 | €1,038,701 | -€17,636 | -1.7% |
| Tangible fixed assets | 22/27 | €1,056,338 | €1,038,701 | -€17,636 | -1.7% |
| Land and buildings | 22 | €1,053,443 | €1,036,762 | -€16,681 | -1.6% |
| Plant, machinery and equipment | 23 | €2,894 | €1,939 | -€955 | -33.0% |
| Current assets | 29/58 | €517,096 | €480,493 | -€36,603 | -7.1% |
| Stocks and contracts in progress | 3 | €473,647 | €436,477 | -€37,171 | -7.8% |
| Stocks | 30/36 | €473,647 | €436,477 | -€37,171 | -7.8% |
| Amounts receivable within one year | 40/41 | - | €32,247 | +€32,247 | |
| Trade receivables | 40 | - | €7,247 | +€7,247 | |
| Other amounts receivable | 41 | - | €25,000 | +€25,000 | |
| Cash at bank and in hand | 54/58 | €38,572 | €7,259 | -€31,314 | -81.2% |
| Deferred charges and accrued income | 490/1 | €4,876 | €4,511 | -€365 | -7.5% |
| Total equity and liabilities | 10/49 | €1,573,434 | €1,519,195 | -€54,239 | -3.4% |
| Equity | 10/15 | €60,780 | -€19,154 | -€79,933 | |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €55,780 | - | -€55,780 | |
| Distributable reserves | 133 | €55,780 | - | -€55,780 | |
| Profit (loss) carried forward | 14 | - | -€24,154 | -€24,154 | |
| Amounts payable | 17/49 | €1,512,654 | €1,538,348 | +€25,694 | +1.7% |
| Amounts payable after more than one year | 17 | €1,318,078 | €1,199,438 | -€118,640 | -9.0% |
| Financial debts | 170/4 | €1,318,078 | €1,199,438 | -€118,640 | -9.0% |
| Amounts payable within one year | 42/48 | €193,076 | €337,411 | +€144,335 | +74.8% |
| Current portion of amounts payable after more than one year | 42 | €35,369 | €55,584 | +€20,215 | +57.2% |
| Financial debts | 43 | €100,000 | €220,889 | +€120,889 | +121% |
| Credit institutions | 430/8 | €100,000 | €220,889 | +€120,889 | +121% |
| Trade debts | 44 | €4,428 | €13,411 | +€8,982 | +203% |
| Suppliers | 440/4 | €4,428 | €13,411 | +€8,982 | +203% |
| Taxes, remuneration and social security | 45 | €44,371 | €24,018 | -€20,353 | -45.9% |
| Taxes | 450/3 | €44,371 | €24,018 | -€20,353 | -45.9% |
| Other amounts payable | 47/48 | €8,908 | €23,509 | +€14,601 | +164% |
| Accrued charges and deferred income | 492/3 | €1,500 | €1,500 | = | 0.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €28,224 | €28,897 | +€673 | +2.4% |
| Other operating charges | 640/8 | €7,773 | €6,974 | -€799 | -10.3% |
| Non-recurring operating charges | 66A | €1,773 | €950 | -€823 | -46.4% |
| Gross operating margin | 9900 | €191,275 | €7,746 | -€183,529 | -96.0% |
| Operating profit (loss) | 9901 | €153,505 | -€29,075 | -€182,580 | |
| Financial income | 75/76B | €41 | €4 | -€37 | -89.2% |
| Recurring financial income | 75 | €41 | €4 | -€37 | -89.2% |
| Financial charges | 65/66B | €60,506 | €50,863 | -€9,643 | -15.9% |
| Recurring financial charges | 65 | €60,506 | €50,863 | -€9,643 | -15.9% |
| Profit (loss) for the period before taxes | 9903 | €93,041 | -€79,933 | -€172,974 | |
| Income taxes | 67/77 | €17,992 | - | -€17,992 | |
| Profit (loss) for the period | 9904 | €75,049 | -€79,933 | -€154,983 | |
| Profit (loss) for the period to be appropriated | 9905 | €75,049 | -€79,933 | -€154,983 |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 4 November 2026 via checked.be.