Sablière Consult: what changed
What changed
Sablière Consult
NACE 66.191, Agents and brokers in banking services
filed annual accounts (NBB)
Net result for the year
€33,472
2024 · €27,186+€6,286
Equity
€200,597
2024 · €167,126+€33,472
Cash
€4
2024 · €26-€21
Balance sheet total
€644,708
2024 · €607,213+€37,495
Largest movements
Assets
- Tangible fixed assets +€36,002
up €36,002 (+15.6%), from €230,453 to €266,455
of which Furniture and vehicles: +€49,989
Equity and liabilities
- Reserves +€33,472
up €33,472 (+20.8%), from €160,826 to €194,297
of which Distributable reserves: +€34,817
- Current portion of long-term debt +€30,124
up €30,124 (+52.0%), from €57,932 to €88,056
- Debts after one year -€13,808
down €13,808 (-4.3%), from €320,029 to €306,221
- Tax, wage and social debts -€12,435
down €12,435 (-55.5%), from €22,404 to €9,969
of which Taxes: -€13,991
Income statement
- Gross operating margin +€17,971
up €17,971 (+18.3%), from €98,091 to €116,061
- Depreciation +€7,852
up €7,852 (+45.2%), from €17,377 to €25,229
- Taxes +€2,930
up €2,930 (+16.8%), from €17,472 to €20,402
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
€27,186
Gross operating margin
+€17,971
Staff costs
-€502
Depreciation
-€7,852
Other operating charges
-€1,137
Financial income
+€9
Financial charges
+€727
Taxes
-€2,930
Result 2025
€33,472
raises the resultlowers the result
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
+€45,259
Investment
-€61,151
Financing
+€15,871
Cash 2024
€26
From operations (derived)
+€45,259
Net result for the year
+€33,472
Depreciation
+€25,229
Receivables within one year
-€2,080
Deferred charges and accrued income
+€485
Provisions
-€449
Trade debts
+€4,178
Tax, wage and social debts
-€12,435
Other debts
-€5,164
Accrued charges and deferred income
+€2,022
Investment (derived)
-€61,151
Investment in fixed assets (net)
-€61,151
Financing
+€15,871
Debts after one year
-€13,808
Current portion of long-term debt
+€30,124
Short-term financial debts
-€445
Cash 2025
€4
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €607,213 | €644,708 | +€37,495 | +6.2% |
| Fixed assets | 21/28 | €600,654 | €636,576 | +€35,922 | +6.0% |
| Intangible fixed assets | 21 | €304 | €224 | -€80 | -26.3% |
| Tangible fixed assets | 22/27 | €230,453 | €266,455 | +€36,002 | +15.6% |
| Land and buildings | 22 | €211,892 | €200,784 | -€11,108 | -5.2% |
| Furniture and vehicles | 24 | €2,455 | €52,444 | +€49,989 | +2,036% |
| Leasing and similar rights | 25 | €4,366 | €3,405 | -€961 | -22.0% |
| Other tangible fixed assets | 26 | €11,741 | €9,823 | -€1,918 | -16.3% |
| Financial fixed assets | 28 | €369,897 | €369,897 | = | 0.0% |
| Current assets | 29/58 | €6,558 | €8,131 | +€1,573 | +24.0% |
| Amounts receivable within one year | 40/41 | €2,310 | €4,390 | +€2,080 | +90.0% |
| Trade receivables | 40 | €1,834 | €834 | -€1,000 | -54.5% |
| Other amounts receivable | 41 | €477 | €3,556 | +€3,080 | +646% |
| Cash at bank and in hand | 54/58 | €26 | €4 | -€21 | -82.5% |
| Deferred charges and accrued income | 490/1 | €4,222 | €3,737 | -€485 | -11.5% |
| Total equity and liabilities | 10/49 | €607,213 | €644,708 | +€37,495 | +6.2% |
| Equity | 10/15 | €167,126 | €200,597 | +€33,472 | +20.0% |
| Contributions | 10/11 | €6,300 | €6,300 | = | 0.0% |
| Reserves | 13 | €160,826 | €194,297 | +€33,472 | +20.8% |
| Tax-exempt reserves | 132 | €9,085 | €7,739 | -€1,346 | -14.8% |
| Distributable reserves | 133 | €151,741 | €186,558 | +€34,817 | +22.9% |
| Provisions and deferred taxes | 16 | €3,028 | €2,580 | -€449 | -14.8% |
| Deferred taxes | 168 | €3,028 | €2,580 | -€449 | -14.8% |
| Amounts payable | 17/49 | €437,059 | €441,531 | +€4,472 | +1.0% |
| Amounts payable after more than one year | 17 | €320,029 | €306,221 | -€13,808 | -4.3% |
| Financial debts | 170/4 | €320,029 | €306,221 | -€13,808 | -4.3% |
| Amounts payable within one year | 42/48 | €117,030 | €133,288 | +€16,258 | +13.9% |
| Current portion of amounts payable after more than one year | 42 | €57,932 | €88,056 | +€30,124 | +52.0% |
| Financial debts | 43 | €3,403 | €2,958 | -€445 | -13.1% |
| Credit institutions | 430/8 | €3,403 | €2,958 | -€445 | -13.1% |
| Trade debts | 44 | €11,606 | €15,784 | +€4,178 | +36.0% |
| Suppliers | 440/4 | €11,606 | €15,784 | +€4,178 | +36.0% |
| Taxes, remuneration and social security | 45 | €22,404 | €9,969 | -€12,435 | -55.5% |
| Taxes | 450/3 | €17,472 | €3,482 | -€13,991 | -80.1% |
| Remuneration and social security | 454/9 | €4,931 | €6,487 | +€1,556 | +31.6% |
| Other amounts payable | 47/48 | €21,685 | €16,521 | -€5,164 | -23.8% |
| Accrued charges and deferred income | 492/3 | - | €2,022 | +€2,022 | |
| Remuneration, social security and pensions | 62 | €18,768 | €19,270 | +€502 | +2.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €17,377 | €25,229 | +€7,852 | +45.2% |
| Other operating charges | 640/8 | €3,610 | €4,746 | +€1,137 | +31.5% |
| Gross operating margin | 9900 | €98,091 | €116,061 | +€17,971 | +18.3% |
| Operating profit (loss) | 9901 | €58,336 | €66,816 | +€8,480 | +14.5% |
| Financial income | 75/76B | €0 | €9 | +€9 | +4,315% |
| Recurring financial income | 75 | €0 | €9 | +€9 | +4,315% |
| Financial charges | 65/66B | €14,126 | €13,400 | -€727 | -5.1% |
| Recurring financial charges | 65 | €14,126 | €13,400 | -€727 | -5.1% |
| Profit (loss) for the period before taxes | 9903 | €44,210 | €53,425 | +€9,215 | +20.8% |
| Transfer from deferred taxes | 780 | €449 | €449 | = | 0.0% |
| Income taxes | 67/77 | €17,472 | €20,402 | +€2,930 | +16.8% |
| Profit (loss) for the period | 9904 | €27,186 | €33,472 | +€6,286 | +23.1% |
| Transfer from tax-exempt reserves | 789 | €1,346 | €1,346 | = | 0.0% |
| Profit (loss) for the period to be appropriated | 9905 | €28,532 | €34,817 | +€6,286 | +22.0% |
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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 5 November 2026 via checked.be.