S&B INSTALLER: 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.
S&B INSTALLER
Largest movements
- Cash +€6,694
up €6,694 (+166%), from €4,033 to €10,726
mainly Net result for the year (+€5,578) and Receivables within one year (+€2,103)
- Receivables within one year -€2,103
down €2,103 (-33.1%), from €6,353 to €4,250
of which Other amounts receivable: -€1,138
- Deferred charges and accrued income +€1,501
up €1,501 (+3,756%), from €40 to €1,541
- Profit (loss) carried forward +€5,578
up €5,578 (+194%), from €2,875 to €8,452
- Tax, wage and social debts +€623
up €623 (+41.6%), from €1,499 to €2,122
- Trade debts -€220
down €220 (-15.3%), from €1,440 to €1,220
- Staff costs +€2,944
new in 2025: €2,944
- Taxes +€1,093
up €1,093 (+106%), from €1,028 to €2,122
- Other operating charges +€884
up €884 (+508%), from €174 to €1,058
- Gross operating margin +€325
up €325 (+2.8%), from €11,778 to €12,103
- Financial charges +€257
up €257 (+157%), from €163 to €420
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 | €10,813 | €16,905 | +€6,092 | +56.3% |
| Fixed assets | 21/28 | €388 | €388 | = | 0.0% |
| Financial fixed assets | 28 | €388 | €388 | = | 0.0% |
| Current assets | 29/58 | €10,425 | €16,517 | +€6,092 | +58.4% |
| Amounts receivable within one year | 40/41 | €6,353 | €4,250 | -€2,103 | -33.1% |
| Trade receivables | 40 | €4,513 | €3,549 | -€965 | -21.4% |
| Other amounts receivable | 41 | €1,840 | €702 | -€1,138 | -61.9% |
| Cash at bank and in hand | 54/58 | €4,033 | €10,726 | +€6,694 | +166% |
| Deferred charges and accrued income | 490/1 | €40 | €1,541 | +€1,501 | +3,756% |
| Total equity and liabilities | 10/49 | €10,813 | €16,905 | +€6,092 | +56.3% |
| Equity | 10/15 | €7,875 | €13,452 | +€5,578 | +70.8% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €2,875 | €8,452 | +€5,578 | +194% |
| Amounts payable | 17/49 | €2,939 | €3,453 | +€514 | +17.5% |
| Amounts payable within one year | 42/48 | €2,939 | €3,453 | +€514 | +17.5% |
| Trade debts | 44 | €1,440 | €1,220 | -€220 | -15.3% |
| Suppliers | 440/4 | €1,440 | €1,220 | -€220 | -15.3% |
| Taxes, remuneration and social security | 45 | €1,499 | €2,122 | +€623 | +41.6% |
| Taxes | 450/3 | €1,499 | €2,122 | +€623 | +41.6% |
| Other amounts payable | 47/48 | - | €111 | +€111 | |
| Remuneration, social security and pensions | 62 | - | €2,944 | +€2,944 | |
| Other operating charges | 640/8 | €174 | €1,058 | +€884 | +508% |
| Gross operating margin | 9900 | €11,778 | €12,103 | +€325 | +2.8% |
| Operating profit (loss) | 9901 | €11,604 | €8,100 | -€3,503 | -30.2% |
| Financial income | 75/76B | €0 | €19 | +€19 | +31,467% |
| Recurring financial income | 75 | €0 | €19 | +€19 | +31,467% |
| Financial charges | 65/66B | €163 | €420 | +€257 | +157% |
| Recurring financial charges | 65 | €163 | €420 | +€257 | +157% |
| Profit (loss) for the period before taxes | 9903 | €11,440 | €7,699 | -€3,741 | -32.7% |
| Income taxes | 67/77 | €1,028 | €2,122 | +€1,093 | +106% |
| Profit (loss) for the period | 9904 | €10,412 | €5,578 | -€4,835 | -46.4% |
| Profit (loss) for the period to be appropriated | 9905 | €10,412 | €5,578 | -€4,835 | -46.4% |
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 16 October 2026 via checked.be.