Savetech: 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.
Savetech
Largest movements
- Receivables within one year -€47,031
down €47,031 (-62.6%), from €75,171 to €28,140
of which Trade receivables: -€46,193
- Cash -€14,268
down €14,268 (-98.4%), from €14,506 to €239
mainly Trade debts (-€34,351) and Other debts (-€19,554)
- Trade debts -€34,351
down €34,351 (-78.5%), from €43,756 to €9,404
- Other debts -€19,554
no longer reported in 2025 (was €19,554)
- Reserves -€6,496
down €6,496 (-22.3%), from €29,139 to €22,642
- Tax, wage and social debts -€4,522
down €4,522 (-67.2%), from €6,728 to €2,205
- Short-term financial debts +€3,750
new in 2025: €3,750
- Gross operating margin -€33,654
down €33,654, from €28,582 to -€5,072
- Other operating charges -€18,130
down €18,130 (-95.3%), from €19,027 to €897
- Taxes -€1,918
down €1,918 (-93.0%), from €2,062 to €144
- Financial charges -€1,642
down €1,642 (-81.1%), from €2,025 to €383
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 | €99,177 | €38,003 | -€61,174 | -61.7% |
| Current assets | 29/58 | €99,177 | €38,003 | -€61,174 | -61.7% |
| Amounts receivable after more than one year | 29 | €7,000 | €6,379 | -€621 | -8.9% |
| Other amounts receivable | 291 | €7,000 | €6,379 | -€621 | -8.9% |
| Stocks and contracts in progress | 3 | €2,500 | €2,500 | = | 0.0% |
| Stocks | 30/36 | €2,500 | €2,500 | = | 0.0% |
| Amounts receivable within one year | 40/41 | €75,171 | €28,140 | -€47,031 | -62.6% |
| Trade receivables | 40 | €67,441 | €21,248 | -€46,193 | -68.5% |
| Other amounts receivable | 41 | €7,730 | €6,892 | -€838 | -10.8% |
| Cash at bank and in hand | 54/58 | €14,506 | €239 | -€14,268 | -98.4% |
| Deferred charges and accrued income | 490/1 | - | €745 | +€745 | |
| Total equity and liabilities | 10/49 | €99,177 | €38,003 | -€61,174 | -61.7% |
| Equity | 10/15 | €29,140 | €22,643 | -€6,496 | -22.3% |
| Contributions | 10/11 | €1 | €1 | = | 0.0% |
| Reserves | 13 | €29,139 | €22,642 | -€6,496 | -22.3% |
| Distributable reserves | 133 | €29,139 | €22,642 | -€6,496 | -22.3% |
| Amounts payable | 17/49 | €70,037 | €15,360 | -€54,678 | -78.1% |
| Amounts payable within one year | 42/48 | €70,037 | €15,360 | -€54,678 | -78.1% |
| Financial debts | 43 | - | €3,750 | +€3,750 | |
| Credit institutions | 430/8 | - | €3,750 | +€3,750 | |
| Trade debts | 44 | €43,756 | €9,404 | -€34,351 | -78.5% |
| Suppliers | 440/4 | €43,756 | €9,404 | -€34,351 | -78.5% |
| Taxes, remuneration and social security | 45 | €6,728 | €2,205 | -€4,522 | -67.2% |
| Taxes | 450/3 | €6,728 | €2,205 | -€4,522 | -67.2% |
| Other amounts payable | 47/48 | €19,554 | - | -€19,554 | |
| Remuneration, social security and pensions | 62 | €259 | - | -€259 | |
| Other operating charges | 640/8 | €19,027 | €897 | -€18,130 | -95.3% |
| Gross operating margin | 9900 | €28,582 | -€5,072 | -€33,654 | |
| Operating profit (loss) | 9901 | €9,296 | -€5,970 | -€15,265 | |
| Financial income | 75/76B | €237 | €0 | -€237 | -99.8% |
| Recurring financial income | 75 | €237 | €0 | -€237 | -99.8% |
| Financial charges | 65/66B | €2,025 | €383 | -€1,642 | -81.1% |
| Recurring financial charges | 65 | €2,025 | €383 | -€1,642 | -81.1% |
| Profit (loss) for the period before taxes | 9903 | €7,508 | -€6,353 | -€13,860 | |
| Income taxes | 67/77 | €2,062 | €144 | -€1,918 | -93.0% |
| Profit (loss) for the period | 9904 | €5,446 | -€6,496 | -€11,943 | |
| Profit (loss) for the period to be appropriated | 9905 | €5,446 | -€6,496 | -€11,943 |
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 19 October 2026 via checked.be.