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S.J.: 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

S.J.

BE 0441.853.608
NACE 46.423, Wholesale of clothing, excluding workwear and underwear
fiscal year 2023 against 2024filed annual accounts (NBB)
Net result for the year
-€12,306
2023 · -€12,595+€289
Equity
-€93,693
2023 · -€81,387-€12,306
Cash
€10
2023 · €1,711-€1,702
Balance sheet total
€4,007
2023 · €8,936-€4,929

Largest movements

2023 to 2024
Assets
  • Receivables within one year -€2,954

    down €2,954 (-74.9%), from €3,944 to €990

    of which Trade receivables: -€2,902

  • Cash -€1,702

    down €1,702 (-99.4%), from €1,711 to €10

    mainly Net result for the year (-€12,306) and Trade debts (-€3,462)

  • Tangible fixed assets -€327

    down €327 (-41.4%), from €791 to €464

Equity and liabilities
  • Profit (loss) carried forward -€12,306

    down €12,306 (-12.1%), from -€101,839 to -€114,144

  • Other debts +€10,839

    up €10,839 (+12.5%), from €86,432 to €97,271

  • Trade debts -€3,462

    down €3,462 (-89.9%), from €3,849 to €387

Income statement
  • Depreciation -€1,021

    down €1,021 (-75.7%), from €1,348 to €327

  • Gross operating margin -€719

    down €719 (-7.0%), from -€10,304 to -€11,023

  • Financial charges -€209

    down €209 (-72.7%), from €288 to €79

From the 2023 result to the 2024 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 2023 -€12,595
Gross operating margin -€719
Depreciation +€1,021
Other operating charges +€26
Other operating items -€237
Financial income -€12
Financial charges +€209
Result 2024 -€12,306

Cash bridge derived

cash 2023 to 2024

Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations -€1,702
Investment €0
Financing €0
Cash 2023 €1,711
Net result for the year -€12,306
Depreciation +€327
Receivables within one year +€2,954
Deferred charges and accrued income -€54
Trade debts -€3,462
Other debts +€10,839
Cash 2024 €10
Every line side by side 37 lines
Line Code 2023 2024 Change %
Total assets 20/58 €8,936 €4,007 -€4,929 -55.2%
Fixed assets 21/28 €3,091 €2,764 -€327 -10.6%
Intangible fixed assets 21 €0 €0 =
Tangible fixed assets 22/27 €791 €464 -€327 -41.4%
Furniture and vehicles 24 €791 €464 -€327 -41.4%
Financial fixed assets 28 €2,300 €2,300 = 0.0%
Current assets 29/58 €5,846 €1,244 -€4,602 -78.7%
Amounts receivable within one year 40/41 €3,944 €990 -€2,954 -74.9%
Trade receivables 40 €2,902 - -€2,902
Other amounts receivable 41 €1,042 €990 -€52 -5.0%
Cash at bank and in hand 54/58 €1,711 €10 -€1,702 -99.4%
Deferred charges and accrued income 490/1 €190 €244 +€54 +28.5%
Total equity and liabilities 10/49 €8,936 €4,007 -€4,929 -55.2%
Equity 10/15 -€81,387 -€93,693 -€12,306 -15.1%
Contributions 10/11 €18,592 €18,592 = 0.0%
Reserves 13 €1,859 €1,859 = 0.0%
Distributable reserves 133 €1,859 €1,859 = 0.0%
Profit (loss) carried forward 14 -€101,839 -€114,144 -€12,306 -12.1%
Amounts payable 17/49 €90,324 €97,700 +€7,377 +8.2%
Amounts payable within one year 42/48 €90,324 €97,700 +€7,377 +8.2%
Trade debts 44 €3,849 €387 -€3,462 -89.9%
Suppliers 440/4 €3,849 €387 -€3,462 -89.9%
Taxes, remuneration and social security 45 €42 €42 = 0.0%
Taxes 450/3 €42 €42 = 0.0%
Other amounts payable 47/48 €86,432 €97,271 +€10,839 +12.5%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €1,348 €327 -€1,021 -75.7%
Other operating charges 640/8 €604 €577 -€26 -4.3%
Non-recurring operating charges 66A €63 €300 +€237 +376.0%
Gross operating margin 9900 -€10,304 -€11,023 -€719 -7.0%
Operating profit (loss) 9901 -€12,319 -€12,227 +€92 +0.7%
Financial income 75/76B €12 - -€12
Recurring financial income 75 €12 - -€12
Financial charges 65/66B €288 €79 -€209 -72.7%
Recurring financial charges 65 €288 €79 -€209 -72.7%
Profit (loss) for the period before taxes 9903 -€12,595 -€12,306 +€289 +2.3%
Profit (loss) for the period 9904 -€12,595 -€12,306 +€289 +2.3%
Profit (loss) for the period to be appropriated 9905 -€12,595 -€12,306 +€289 +2.3%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.