SAINT MARY: 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.
SAINT MARY
Largest movements
- Cash +€40,501
up €40,501 (+85.5%), from €47,382 to €87,883
mainly Debts after one year (+€69,299) and Depreciation (+€17,256)
- Tangible fixed assets +€22,334
up €22,334 (+6.3%), from €352,739 to €375,073
of which Land and buildings: +€26,525
- Debts after one year +€69,299
up €69,299 (+26.5%), from €261,638 to €330,937
- Trade debts -€36,849
down €36,849 (-82.6%), from €44,587 to €7,738
- Reserves +€16,846
up €16,846 (+31.7%), from €53,151 to €69,997
of which Distributable reserves: +€16,846
- Accrued charges and deferred income -€12,786
no longer reported in 2025 (was €12,786)
- Current portion of long-term debt +€12,282
up €12,282 (+531%), from €2,312 to €14,595
- Staff costs +€38,456
up €38,456 (+31.8%), from €121,110 to €159,566
- Financial charges +€14,326
up €14,326 (+64.2%), from €22,326 to €36,651
- Taxes -€12,059
down €12,059 (-59.3%), from €20,338 to €8,279
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 | €435,930 | €496,915 | +€60,986 | +14.0% |
| Fixed assets | 21/28 | €352,739 | €375,073 | +€22,334 | +6.3% |
| Intangible fixed assets | 21 | €0 | €0 | = | |
| Tangible fixed assets | 22/27 | €352,739 | €375,073 | +€22,334 | +6.3% |
| Land and buildings | 22 | €325,620 | €352,145 | +€26,525 | +8.1% |
| Plant, machinery and equipment | 23 | €22,040 | €20,541 | -€1,500 | -6.8% |
| Furniture and vehicles | 24 | €5,079 | €2,387 | -€2,691 | -53.0% |
| Current assets | 29/58 | €83,190 | €121,842 | +€38,652 | +46.5% |
| Stocks and contracts in progress | 3 | €2,270 | €2,270 | = | 0.0% |
| Stocks | 30/36 | €2,270 | €2,270 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €31,307 | €29,839 | -€1,467 | -4.7% |
| Trade receivables | 40 | - | €0 | = | |
| Other amounts receivable | 41 | €31,307 | €29,839 | -€1,467 | -4.7% |
| Cash at bank and in hand | 54/58 | €47,382 | €87,883 | +€40,501 | +85.5% |
| Deferred charges and accrued income | 490/1 | €2,232 | €1,851 | -€382 | -17.1% |
| Total equity and liabilities | 10/49 | €435,930 | €496,915 | +€60,986 | +14.0% |
| Equity | 10/15 | €70,751 | €87,597 | +€16,846 | +23.8% |
| Contributions | 10/11 | €17,600 | €17,600 | = | 0.0% |
| Reserves | 13 | €53,151 | €69,997 | +€16,846 | +31.7% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €51,291 | €68,137 | +€16,846 | +32.8% |
| Amounts payable | 17/49 | €365,179 | €409,319 | +€44,139 | +12.1% |
| Amounts payable after more than one year | 17 | €261,638 | €330,937 | +€69,299 | +26.5% |
| Financial debts | 170/4 | €261,638 | €330,937 | +€69,299 | +26.5% |
| Amounts payable within one year | 42/48 | €90,755 | €78,382 | -€12,373 | -13.6% |
| Current portion of amounts payable after more than one year | 42 | €2,312 | €14,595 | +€12,282 | +531% |
| Trade debts | 44 | €44,587 | €7,738 | -€36,849 | -82.6% |
| Suppliers | 440/4 | €44,587 | €7,738 | -€36,849 | -82.6% |
| Taxes, remuneration and social security | 45 | €43,856 | €56,049 | +€12,193 | +27.8% |
| Taxes | 450/3 | €29,448 | €24,985 | -€4,462 | -15.2% |
| Remuneration and social security | 454/9 | €14,408 | €31,064 | +€16,656 | +116% |
| Accrued charges and deferred income | 492/3 | €12,786 | - | -€12,786 | |
| Remuneration, social security and pensions | 62 | €121,110 | €159,566 | +€38,456 | +31.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €15,080 | €17,256 | +€2,176 | +14.4% |
| Other operating charges | 640/8 | €5,929 | €7,040 | +€1,110 | +18.7% |
| Gross operating margin | 9900 | €243,514 | €245,563 | +€2,049 | +0.8% |
| Operating profit (loss) | 9901 | €101,395 | €61,702 | -€39,693 | -39.1% |
| Financial income | 75/76B | €99 | €75 | -€24 | -24.2% |
| Recurring financial income | 75 | €99 | €75 | -€24 | -24.2% |
| Financial charges | 65/66B | €22,326 | €36,651 | +€14,326 | +64.2% |
| Recurring financial charges | 65 | €22,326 | €36,651 | +€14,326 | +64.2% |
| Profit (loss) for the period before taxes | 9903 | €79,169 | €25,125 | -€54,043 | -68.3% |
| Income taxes | 67/77 | €20,338 | €8,279 | -€12,059 | -59.3% |
| Profit (loss) for the period | 9904 | €58,830 | €16,846 | -€41,984 | -71.4% |
| Profit (loss) for the period to be appropriated | 9905 | €58,830 | €16,846 | -€41,984 | -71.4% |
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 21 October 2026 via checked.be.