SAVEYN: 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.
SAVEYN
Largest movements
- Receivables within one year +€4,459
up €4,459 (+26.9%), from €16,591 to €21,050
of which Trade receivables: +€8,550
- Cash +€3,553
up €3,553 (+48.0%), from €7,404 to €10,957
mainly Net result for the year (+€23,080) and Trade debts (+€2,992)
- Tangible fixed assets -€3,101
down €3,101 (-59.3%), from €5,229 to €2,128
of which Furniture and vehicles: -€2,780
- Trade debts +€2,992
up €2,992 (+102%), from €2,923 to €5,915
- Profit (loss) carried forward +€2,933
up €2,933 (+131%), from €2,232 to €5,165
- Other debts -€1,386
down €1,386 (-57.3%), from €2,420 to €1,034
- Tax, wage and social debts +€372
up €372 (+17.3%), from €2,150 to €2,522
- Gross operating margin +€12,988
up €12,988 (+72.3%), from €17,973 to €30,961
- Taxes +€3,848
up €3,848 (+128%), from €3,011 to €6,859
- Write-downs -€1,426
new in 2025: -€1,426
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 | €29,224 | €34,136 | +€4,911 | +16.8% |
| Fixed assets | 21/28 | €5,229 | €2,128 | -€3,101 | -59.3% |
| Tangible fixed assets | 22/27 | €5,229 | €2,128 | -€3,101 | -59.3% |
| Plant, machinery and equipment | 23 | €423 | €102 | -€321 | -75.8% |
| Furniture and vehicles | 24 | €4,806 | €2,026 | -€2,780 | -57.8% |
| Current assets | 29/58 | €23,995 | €32,007 | +€8,012 | +33.4% |
| Amounts receivable within one year | 40/41 | €16,591 | €21,050 | +€4,459 | +26.9% |
| Trade receivables | 40 | €12,500 | €21,050 | +€8,550 | +68.4% |
| Other amounts receivable | 41 | €4,091 | €0 | -€4,091 | -100% |
| Cash at bank and in hand | 54/58 | €7,404 | €10,957 | +€3,553 | +48.0% |
| Deferred charges and accrued income | 490/1 | €0 | - | = | |
| Total equity and liabilities | 10/49 | €29,224 | €34,136 | +€4,911 | +16.8% |
| Equity | 10/15 | €21,732 | €24,665 | +€2,933 | +13.5% |
| Contributions | 10/11 | €5,000 | €5,000 | = | 0.0% |
| Reserves | 13 | €14,500 | €14,500 | = | 0.0% |
| Distributable reserves | 133 | €14,500 | €14,500 | = | 0.0% |
| Profit (loss) carried forward | 14 | €2,232 | €5,165 | +€2,933 | +131% |
| Amounts payable | 17/49 | €7,493 | €9,471 | +€1,978 | +26.4% |
| Amounts payable within one year | 42/48 | €7,493 | €9,471 | +€1,978 | +26.4% |
| Trade debts | 44 | €2,923 | €5,915 | +€2,992 | +102% |
| Suppliers | 440/4 | €2,923 | €5,915 | +€2,992 | +102% |
| Taxes, remuneration and social security | 45 | €2,150 | €2,522 | +€372 | +17.3% |
| Taxes | 450/3 | €2,150 | €2,522 | +€372 | +17.3% |
| Other amounts payable | 47/48 | €2,420 | €1,034 | -€1,386 | -57.3% |
| Non-recurring operating income | 76A | - | €9,432 | +€9,432 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,290 | €1,075 | -€215 | -16.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | - | -€1,426 | -€1,426 | |
| Other operating charges | 640/8 | €882 | €634 | -€248 | -28.2% |
| Gross operating margin | 9900 | €17,973 | €30,961 | +€12,988 | +72.3% |
| Operating profit (loss) | 9901 | €15,801 | €30,679 | +€14,878 | +94.2% |
| Financial charges | 65/66B | €979 | €739 | -€240 | -24.5% |
| Recurring financial charges | 65 | €979 | €739 | -€240 | -24.5% |
| Profit (loss) for the period before taxes | 9903 | €14,822 | €29,939 | +€15,117 | +102% |
| Income taxes | 67/77 | €3,011 | €6,859 | +€3,848 | +128% |
| Profit (loss) for the period | 9904 | €11,810 | €23,080 | +€11,270 | +95.4% |
| Profit (loss) for the period to be appropriated | 9905 | €11,810 | €23,080 | +€11,270 | +95.4% |
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 16 October 2026 via checked.be.