S4S (Solutions for Saving): 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.
S4S (Solutions for Saving)
Largest movements
- Cash -€4,752
down €4,752 (-89.7%), from €5,300 to €548
mainly Net result for the year (-€4,293) and Receivables within one year (-€3,362)
- Receivables within one year +€3,362
up €3,362 (+1,906%), from €176 to €3,539
of which Trade receivables: +€3,358
- Deferred charges and accrued income +€674
new in 2025: €674
- Profit (loss) carried forward -€4,293
down €4,293 (-15.5%), from -€27,684 to -€31,976
- Other debts +€2,435
up €2,435 (+8.1%), from €30,152 to €32,587
- Trade debts +€1,142
up €1,142 (+14,269%), from €8 to €1,150
- Gross operating margin +€1,677
up €1,677 (+32.1%), from -€5,222 to -€3,545
- Staff costs +€60
up €60 (+115%), from €52 to €112
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 | €5,476 | €4,761 | -€716 | -13.1% |
| Current assets | 29/58 | €5,476 | €4,761 | -€716 | -13.1% |
| Amounts receivable within one year | 40/41 | €176 | €3,539 | +€3,362 | +1,906% |
| Trade receivables | 40 | - | €3,358 | +€3,358 | |
| Other amounts receivable | 41 | €176 | €181 | +€5 | +2.6% |
| Cash at bank and in hand | 54/58 | €5,300 | €548 | -€4,752 | -89.7% |
| Deferred charges and accrued income | 490/1 | - | €674 | +€674 | |
| Total equity and liabilities | 10/49 | €5,476 | €4,761 | -€716 | -13.1% |
| Equity | 10/15 | -€24,684 | -€28,976 | -€4,293 | -17.4% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€27,684 | -€31,976 | -€4,293 | -15.5% |
| Amounts payable | 17/49 | €30,160 | €33,737 | +€3,577 | +11.9% |
| Amounts payable within one year | 42/48 | €30,160 | €33,737 | +€3,577 | +11.9% |
| Trade debts | 44 | €8 | €1,150 | +€1,142 | +14,269% |
| Suppliers | 440/4 | €8 | €1,150 | +€1,142 | +14,269% |
| Other amounts payable | 47/48 | €30,152 | €32,587 | +€2,435 | +8.1% |
| Remuneration, social security and pensions | 62 | €52 | €112 | +€60 | +115% |
| Other operating charges | 640/8 | €518 | €520 | +€1 | +0.3% |
| Gross operating margin | 9900 | -€5,222 | -€3,545 | +€1,677 | +32.1% |
| Operating profit (loss) | 9901 | -€5,793 | -€4,177 | +€1,616 | +27.9% |
| Financial charges | 65/66B | €76 | €115 | +€39 | +51.0% |
| Recurring financial charges | 65 | €76 | €115 | +€39 | +51.0% |
| Profit (loss) for the period before taxes | 9903 | -€5,869 | -€4,293 | +€1,577 | +26.9% |
| Profit (loss) for the period | 9904 | -€5,869 | -€4,293 | +€1,577 | +26.9% |
| Profit (loss) for the period to be appropriated | 9905 | -€5,869 | -€4,293 | +€1,577 | +26.9% |
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 25 October 2026 via checked.be.