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SANTIL: 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

SANTIL

BE 0771.405.366
NACE 10.712, Artisanal bread and fresh pastry making
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
-€44,628
2024 · -€29,253-€15,375
Equity
-€159,101
2024 · -€114,473-€44,628
Cash
€853
2024 · €4,104-€3,251
Balance sheet total
€434,210
2024 · €451,785-€17,575

Largest movements

2024 to 2025
Assets
  • Tangible fixed assets -€8,969

    down €8,969 (-2.7%), from €327,313 to €318,344

    of which Land and buildings: -€7,367

  • Intangible fixed assets -€8,500

    down €8,500 (-14.9%), from €57,032 to €48,532

Equity and liabilities
  • Trade debts +€62,387

    up €62,387 (+61.3%), from €101,714 to €164,101

  • Profit (loss) carried forward -€44,628

    down €44,628 (-35.9%), from -€124,473 to -€169,101

  • Advances received -€26,130

    no longer reported in 2025 (was €26,130)

  • Short-term financial debts +€5,804

    up €5,804 (+121.4%), from €4,782 to €10,585

  • Current portion of long-term debt -€5,628

    down €5,628 (-10.7%), from €52,758 to €47,130

Income statement
  • Gross operating margin -€38,166

    down €38,166 (-55.2%), from €69,122 to €30,955

  • Financial charges +€14,961

    up €14,961 (+41.9%), from €35,738 to €50,699

    of which Non-recurring financial charges: +€7,665

  • Staff costs -€2,107

    down €2,107 (-52.0%), from €4,049 to €1,942

  • Other operating charges -€1,823

    down €1,823 (-47.5%), from €3,837 to €2,014

  • Financial income +€1,769

    up €1,769 (+1093.4%), from €162 to €1,931

    of which Non-recurring financial income: +€1,873

From the 2024 result to the 2025 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 2024 -€29,253
Gross operating margin -€38,166
Staff costs +€2,107
Depreciation -€5
Other operating charges +€1,823
Other operating items +€32,152
Financial income +€1,769
Financial charges -€14,961
Taxes -€94
Result 2025 -€44,628

Cash bridge derived

cash 2024 to 2025

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.

From operations -€842
Investment €0
Financing -€2,409
Cash 2024 €4,104
Net result for the year -€44,628
Depreciation +€18,539
Receivables within one year -€4,231
Deferred charges and accrued income +€17
Trade debts +€62,387
Tax, wage and social debts -€458
Advances received -€26,130
Other debts -€4,993
Accrued charges and deferred income -€1,344
Debts after one year -€2,585
Current portion of long-term debt -€5,628
Short-term financial debts +€5,804
Cash 2025 €853
Every line side by side 47 lines
Line Code 2024 2025 Change %
Total assets 20/58 €451,785 €434,210 -€17,575 -3.9%
Formation expenses 20 €1,809 €739 -€1,070 -59.1%
Fixed assets 21/28 €384,345 €366,875 -€17,469 -4.5%
Intangible fixed assets 21 €57,032 €48,532 -€8,500 -14.9%
Tangible fixed assets 22/27 €327,313 €318,344 -€8,969 -2.7%
Land and buildings 22 €321,490 €314,123 -€7,367 -2.3%
Plant, machinery and equipment 23 €5,823 €4,221 -€1,602 -27.5%
Current assets 29/58 €65,632 €66,596 +€964 +1.5%
Amounts receivable within one year 40/41 €61,265 €65,496 +€4,231 +6.9%
Trade receivables 40 €61,265 €64,919 +€3,654 +6.0%
Other amounts receivable 41 - €577 +€577
Cash at bank and in hand 54/58 €4,104 €853 -€3,251 -79.2%
Deferred charges and accrued income 490/1 €263 €246 -€17 -6.3%
Total equity and liabilities 10/49 €451,785 €434,210 -€17,575 -3.9%
Equity 10/15 -€114,473 -€159,101 -€44,628 -39.0%
Contributions 10/11 €10,000 €10,000 = 0.0%
Profit (loss) carried forward 14 -€124,473 -€169,101 -€44,628 -35.9%
Amounts payable 17/49 €566,258 €593,311 +€27,053 +4.8%
Amounts payable after more than one year 17 €365,888 €363,303 -€2,585 -0.7%
Financial debts 170/4 €365,888 €363,303 -€2,585 -0.7%
Amounts payable within one year 42/48 €199,026 €230,008 +€30,982 +15.6%
Current portion of amounts payable after more than one year 42 €52,758 €47,130 -€5,628 -10.7%
Financial debts 43 €4,782 €10,585 +€5,804 +121.4%
Credit institutions 430/8 €4,782 €10,585 +€5,804 +121.4%
Trade debts 44 €101,714 €164,101 +€62,387 +61.3%
Suppliers 440/4 €101,714 €164,101 +€62,387 +61.3%
Advances received on contracts in progress 46 €26,130 - -€26,130
Taxes, remuneration and social security 45 €4,050 €3,592 -€458 -11.3%
Taxes 450/3 €4,050 €3,592 -€458 -11.3%
Other amounts payable 47/48 €9,593 €4,599 -€4,993 -52.1%
Accrued charges and deferred income 492/3 €1,344 - -€1,344
Remuneration, social security and pensions 62 €4,049 €1,942 -€2,107 -52.0%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €18,534 €18,539 +€5 0.0%
Other operating charges 640/8 €3,837 €2,014 -€1,823 -47.5%
Non-recurring operating charges 66A €36,154 €4,002 -€32,152 -88.9%
Gross operating margin 9900 €69,122 €30,955 -€38,166 -55.2%
Operating profit (loss) 9901 €6,548 €4,459 -€2,089 -31.9%
Financial income 75/76B €162 €1,931 +€1,769 +1093.4%
Recurring financial income 75 €162 €58 -€104 -64.2%
Non-recurring financial income 76B - €1,873 +€1,873
Financial charges 65/66B €35,738 €50,699 +€14,961 +41.9%
Recurring financial charges 65 €35,738 €43,034 +€7,297 +20.4%
Non-recurring financial charges 66B - €7,665 +€7,665
Profit (loss) for the period before taxes 9903 -€29,028 -€44,309 -€15,282 -52.6%
Income taxes 67/77 €225 €319 +€94 +41.7%
Profit (loss) for the period 9904 -€29,253 -€44,628 -€15,375 -52.6%
Profit (loss) for the period to be appropriated 9905 -€29,253 -€44,628 -€15,375 -52.6%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.