SAVEDUST: 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.
SAVEDUST
Largest movements
- Receivables within one year -€34,620
down €34,620 (-76.8%), from €45,063 to €10,443
of which Trade receivables: -€34,007
- Cash +€33,139
up €33,139 (+119%), from €27,742 to €60,882
mainly Depreciation (+€49,944) and Receivables within one year (+€34,620)
- Tangible fixed assets -€23,260
down €23,260 (-8.3%), from €279,267 to €256,007
of which Furniture and vehicles: -€13,902
- Debts after one year -€25,801
down €25,801 (-14.7%), from €174,940 to €149,139
- Other operating charges +€1,704
up €1,704 (+62.1%), from €2,742 to €4,446
- Gross operating margin +€686
up €686 (+1.2%), from €58,144 to €58,830
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 | €367,491 | €345,025 | -€22,465 | -6.1% |
| Fixed assets | 21/28 | €279,267 | €256,007 | -€23,260 | -8.3% |
| Tangible fixed assets | 22/27 | €279,267 | €256,007 | -€23,260 | -8.3% |
| Land and buildings | 22 | €240,835 | €231,477 | -€9,358 | -3.9% |
| Furniture and vehicles | 24 | €38,432 | €24,530 | -€13,902 | -36.2% |
| Current assets | 29/58 | €88,224 | €89,018 | +€794 | +0.9% |
| Amounts receivable within one year | 40/41 | €45,063 | €10,443 | -€34,620 | -76.8% |
| Trade receivables | 40 | €44,150 | €10,143 | -€34,007 | -77.0% |
| Other amounts receivable | 41 | €914 | €300 | -€613 | -67.1% |
| Cash at bank and in hand | 54/58 | €27,742 | €60,882 | +€33,139 | +119% |
| Deferred charges and accrued income | 490/1 | €15,418 | €17,693 | +€2,275 | +14.8% |
| Total equity and liabilities | 10/49 | €367,491 | €345,025 | -€22,465 | -6.1% |
| Equity | 10/15 | €99,036 | €99,054 | +€17 | 0.0% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €80,436 | €80,454 | +€17 | 0.0% |
| Distributable reserves | 133 | €80,436 | €80,454 | +€17 | 0.0% |
| Amounts payable | 17/49 | €268,454 | €245,972 | -€22,483 | -8.4% |
| Amounts payable after more than one year | 17 | €174,940 | €149,139 | -€25,801 | -14.7% |
| Financial debts | 170/4 | €174,940 | €149,139 | -€25,801 | -14.7% |
| Amounts payable within one year | 42/48 | €93,514 | €94,456 | +€942 | +1.0% |
| Current portion of amounts payable after more than one year | 42 | €27,632 | €25,801 | -€1,831 | -6.6% |
| Trade debts | 44 | €520 | €299 | -€220 | -42.4% |
| Suppliers | 440/4 | €520 | €299 | -€220 | -42.4% |
| Taxes, remuneration and social security | 45 | €7,342 | €6,667 | -€675 | -9.2% |
| Taxes | 450/3 | €7,342 | €6,667 | -€675 | -9.2% |
| Other amounts payable | 47/48 | €58,020 | €61,689 | +€3,669 | +6.3% |
| Accrued charges and deferred income | 492/3 | - | €2,376 | +€2,376 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €50,082 | €49,944 | -€138 | -0.3% |
| Other operating charges | 640/8 | €2,742 | €4,446 | +€1,704 | +62.1% |
| Gross operating margin | 9900 | €58,144 | €58,830 | +€686 | +1.2% |
| Operating profit (loss) | 9901 | €5,320 | €4,439 | -€881 | -16.6% |
| Financial income | 75/76B | €83 | €321 | +€238 | +287% |
| Recurring financial income | 75 | €83 | €321 | +€238 | +287% |
| Financial charges | 65/66B | €4,050 | €3,701 | -€349 | -8.6% |
| Recurring financial charges | 65 | €4,050 | €3,701 | -€349 | -8.6% |
| Profit (loss) for the period before taxes | 9903 | €1,353 | €1,059 | -€293 | -21.7% |
| Income taxes | 67/77 | €888 | €1,042 | +€155 | +17.4% |
| Profit (loss) for the period | 9904 | €465 | €17 | -€448 | -96.3% |
| Profit (loss) for the period to be appropriated | 9905 | €465 | €17 | -€448 | -96.3% |
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 17 October 2026 via checked.be.