SAVECLOVER: 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.
SAVECLOVER
Largest movements
- Cash +€41,595
up €41,595 (+5,749%), from €724 to €42,318
mainly Trade debts (+€65,416) and Other debts (+€10,000)
- Receivables within one year +€38,509
up €38,509 (+2,807%), from €1,372 to €39,882
- Trade debts +€65,416
up €65,416 (+5,769%), from €1,134 to €66,550
- Other debts +€10,000
up €10,000 (+370%), from €2,700 to €12,700
- Profit (loss) carried forward +€4,529
up €4,529 (+48.6%), from -€9,319 to -€4,791
- Gross operating margin -€7,191
down €7,191 (-57.2%), from €12,580 to €5,388
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 | €2,096 | €82,200 | +€80,104 | +3,822% |
| Current assets | 29/58 | €2,096 | €82,200 | +€80,104 | +3,822% |
| Amounts receivable within one year | 40/41 | €1,372 | €39,882 | +€38,509 | +2,807% |
| Trade receivables | 40 | €1,372 | €39,882 | +€38,509 | +2,807% |
| Cash at bank and in hand | 54/58 | €724 | €42,318 | +€41,595 | +5,749% |
| Total equity and liabilities | 10/49 | €2,096 | €82,200 | +€80,104 | +3,822% |
| Equity | 10/15 | -€2,319 | €2,209 | +€4,529 | |
| Contributions | 10/11 | €7,000 | €7,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€9,319 | -€4,791 | +€4,529 | +48.6% |
| Amounts payable | 17/49 | €4,415 | €79,990 | +€75,575 | +1,712% |
| Amounts payable within one year | 42/48 | €4,415 | €79,990 | +€75,575 | +1,712% |
| Trade debts | 44 | €1,134 | €66,550 | +€65,416 | +5,769% |
| Suppliers | 440/4 | €1,134 | €66,550 | +€65,416 | +5,769% |
| Taxes, remuneration and social security | 45 | €581 | €740 | +€159 | +27.4% |
| Taxes | 450/3 | €581 | €740 | +€159 | +27.4% |
| Other amounts payable | 47/48 | €2,700 | €12,700 | +€10,000 | +370% |
| Other operating charges | 640/8 | €505 | €520 | +€14 | +2.8% |
| Non-recurring operating charges | 66A | €14,950 | - | -€14,950 | |
| Gross operating margin | 9900 | €12,580 | €5,388 | -€7,191 | -57.2% |
| Operating profit (loss) | 9901 | -€2,876 | €4,869 | +€7,744 | |
| Financial charges | 65/66B | €377 | €340 | -€37 | -9.8% |
| Recurring financial charges | 65 | €377 | €340 | -€37 | -9.8% |
| Profit (loss) for the period before taxes | 9903 | -€3,253 | €4,529 | +€7,781 | |
| Profit (loss) for the period | 9904 | -€3,253 | €4,529 | +€7,781 | |
| Profit (loss) for the period to be appropriated | 9905 | -€3,253 | €4,529 | +€7,781 |
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.