SAVE CONSEILS: 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.
SAVE CONSEILS
Largest movements
- Intangible fixed assets -€18,337
down €18,337 (-18.2%), from €100,756 to €82,419
- Receivables within one year +€8,204
up €8,204 (+21.6%), from €37,906 to €46,110
of which Trade receivables: +€9,531
- Cash +€7,047
up €7,047 (+4126.9%), from €171 to €7,218
mainly Other debts (+€23,388) and Depreciation (+€19,153)
- Other debts +€23,388
up €23,388 (+312.8%), from €7,477 to €30,865
- Profit (loss) carried forward -€21,025
new in 2025: -€21,025
- Debts after one year -€14,162
down €14,162 (-13.3%), from €106,540 to €92,379
- Trade debts +€6,574
up €6,574 (+70.1%), from €9,378 to €15,952
of which Bills of exchange payable: +€3,401
- Tax, wage and social debts +€2,464
up €2,464 (+22.7%), from €10,862 to €13,326
of which Remuneration and social security: +€3,744
- Staff costs +€26,023
up €26,023 (+579.8%), from €4,488 to €30,511
- Gross operating margin +€12,129
up €12,129 (+45.4%), from €26,720 to €38,849
- Depreciation +€9,871
up €9,871 (+106.3%), from €9,282 to €19,153
- Other operating charges +€5,930
up €5,930 (+1530.8%), from €387 to €6,317
- Financial charges +€2,772
up €2,772 (+240.3%), from €1,154 to €3,926
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.
Cash bridge derived
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 | €142,744 | €140,457 | -€2,287 | -1.6% |
| Fixed assets | 21/28 | €102,267 | €84,714 | -€17,553 | -17.2% |
| Intangible fixed assets | 21 | €100,756 | €82,419 | -€18,337 | -18.2% |
| Tangible fixed assets | 22/27 | €1,511 | €2,295 | +€784 | +51.9% |
| Furniture and vehicles | 24 | €1,511 | €2,295 | +€784 | +51.9% |
| Current assets | 29/58 | €40,477 | €55,743 | +€15,265 | +37.7% |
| Amounts receivable within one year | 40/41 | €37,906 | €46,110 | +€8,204 | +21.6% |
| Trade receivables | 40 | €36,579 | €46,110 | +€9,531 | +26.1% |
| Other amounts receivable | 41 | €1,327 | - | -€1,327 | |
| Cash at bank and in hand | 54/58 | €171 | €7,218 | +€7,047 | +4126.9% |
| Deferred charges and accrued income | 490/1 | €2,401 | €2,415 | +€14 | +0.6% |
| Total equity and liabilities | 10/49 | €142,744 | €140,457 | -€2,287 | -1.6% |
| Equity | 10/15 | €5,000 | -€16,025 | -€21,025 | |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | - | -€21,025 | -€21,025 | |
| Amounts payable | 17/49 | €137,744 | €156,482 | +€18,738 | +13.6% |
| Amounts payable after more than one year | 17 | €106,540 | €92,379 | -€14,162 | -13.3% |
| Financial debts | 170/4 | €106,540 | €92,379 | -€14,162 | -13.3% |
| Amounts payable within one year | 42/48 | €27,717 | €60,144 | +€32,427 | +117.0% |
| Trade debts | 44 | €9,378 | €15,952 | +€6,574 | +70.1% |
| Suppliers | 440/4 | €8,058 | €11,231 | +€3,173 | +39.4% |
| Bills of exchange payable | 441 | €1,320 | €4,721 | +€3,401 | +257.7% |
| Taxes, remuneration and social security | 45 | €10,862 | €13,326 | +€2,464 | +22.7% |
| Taxes | 450/3 | €10,236 | €8,956 | -€1,280 | -12.5% |
| Remuneration and social security | 454/9 | €626 | €4,370 | +€3,744 | +598.2% |
| Other amounts payable | 47/48 | €7,477 | €30,865 | +€23,388 | +312.8% |
| Accrued charges and deferred income | 492/3 | €3,487 | €3,960 | +€473 | +13.6% |
| Remuneration, social security and pensions | 62 | €4,488 | €30,511 | +€26,023 | +579.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €9,282 | €19,153 | +€9,871 | +106.3% |
| Other operating charges | 640/8 | €387 | €6,317 | +€5,930 | +1530.8% |
| Gross operating margin | 9900 | €26,720 | €38,849 | +€12,129 | +45.4% |
| Operating profit (loss) | 9901 | €12,562 | -€17,132 | -€29,694 | |
| Financial income | 75/76B | - | €252 | +€252 | |
| Recurring financial income | 75 | - | €252 | +€252 | |
| Financial charges | 65/66B | €1,154 | €3,926 | +€2,772 | +240.3% |
| Recurring financial charges | 65 | €1,154 | €3,926 | +€2,772 | +240.3% |
| Profit (loss) for the period before taxes | 9903 | €11,408 | -€20,806 | -€32,214 | |
| Income taxes | 67/77 | €726 | €219 | -€507 | -69.9% |
| Profit (loss) for the period | 9904 | €10,682 | -€21,025 | -€31,707 | |
| Profit (loss) for the period to be appropriated | 9905 | €10,682 | -€21,025 | -€31,707 |
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 8 October 2026 via checked.be.