SAVIMO: 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.
SAVIMO
Largest movements
- Current investments -€22,778
down €22,778 (-15.4%), from €147,778 to €125,000
- Tangible fixed assets -€12,294
down €12,294 (-4.0%), from €305,745 to €293,450
of which Land and buildings: -€10,212
- Receivables within one year +€9,400
up €9,400 (+494.2%), from €1,902 to €11,302
of which Other amounts receivable: +€8,425
- Deferred charges and accrued income +€6,280
up €6,280 (+696.5%), from €902 to €7,182
- Reserves +€175,115
up €175,115 (+129.8%), from €134,913 to €310,028
- Profit (loss) carried forward -€168,516
no longer reported in 2025 (was €168,516)
- Tax, wage and social debts -€26,730
no longer reported in 2025 (was €26,730)
- Debts after one year +€21,350
new in 2025: €21,350
- Other debts -€21,282
down €21,282 (-35.8%), from €59,413 to €38,131
- Gross operating margin -€11,470
down €11,470 (-10.2%), from €112,031 to €100,561
- Financial income +€5,910
new in 2025: €5,910
- Taxes -€1,750
down €1,750 (-8.3%), from €21,098 to €19,348
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 | €475,994 | €454,852 | -€21,142 | -4.4% |
| Fixed assets | 21/28 | €305,745 | €293,450 | -€12,294 | -4.0% |
| Tangible fixed assets | 22/27 | €305,745 | €293,450 | -€12,294 | -4.0% |
| Land and buildings | 22 | €294,539 | €284,327 | -€10,212 | -3.5% |
| Plant, machinery and equipment | 23 | €6,939 | €6,189 | -€750 | -10.8% |
| Furniture and vehicles | 24 | €81 | - | -€81 | |
| Other tangible fixed assets | 26 | €4,185 | €2,935 | -€1,251 | -29.9% |
| Current assets | 29/58 | €170,249 | €161,401 | -€8,848 | -5.2% |
| Amounts receivable within one year | 40/41 | €1,902 | €11,302 | +€9,400 | +494.2% |
| Trade receivables | 40 | - | €975 | +€975 | |
| Other amounts receivable | 41 | €1,902 | €10,327 | +€8,425 | +442.9% |
| Current investments | 50/53 | €147,778 | €125,000 | -€22,778 | -15.4% |
| Cash at bank and in hand | 54/58 | €19,668 | €17,918 | -€1,750 | -8.9% |
| Deferred charges and accrued income | 490/1 | €902 | €7,182 | +€6,280 | +696.5% |
| Total equity and liabilities | 10/49 | €475,994 | €454,852 | -€21,142 | -4.4% |
| Equity | 10/15 | €388,429 | €395,028 | +€6,598 | +1.7% |
| Contributions | 10/11 | €85,000 | €85,000 | = | 0.0% |
| Reserves | 13 | €134,913 | €310,028 | +€175,115 | +129.8% |
| Distributable reserves | 133 | €134,913 | €310,028 | +€175,115 | +129.8% |
| Profit (loss) carried forward | 14 | €168,516 | - | -€168,516 | |
| Amounts payable | 17/49 | €87,564 | €59,824 | -€27,740 | -31.7% |
| Amounts payable after more than one year | 17 | - | €21,350 | +€21,350 | |
| Other amounts payable | 178/9 | - | €21,350 | +€21,350 | |
| Amounts payable within one year | 42/48 | €87,464 | €38,474 | -€48,990 | -56.0% |
| Trade debts | 44 | €1,321 | €343 | -€978 | -74.1% |
| Suppliers | 440/4 | €1,321 | €343 | -€978 | -74.1% |
| Taxes, remuneration and social security | 45 | €26,730 | - | -€26,730 | |
| Taxes | 450/3 | €26,730 | - | -€26,730 | |
| Other amounts payable | 47/48 | €59,413 | €38,131 | -€21,282 | -35.8% |
| Accrued charges and deferred income | 492/3 | €100 | - | -€100 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €13,808 | €14,006 | +€198 | +1.4% |
| Other operating charges | 640/8 | €14,512 | €14,965 | +€453 | +3.1% |
| Gross operating margin | 9900 | €112,031 | €100,561 | -€11,470 | -10.2% |
| Operating profit (loss) | 9901 | €83,711 | €71,591 | -€12,121 | -14.5% |
| Financial income | 75/76B | - | €5,910 | +€5,910 | |
| Recurring financial income | 75 | - | €5,910 | +€5,910 | |
| Financial charges | 65/66B | €86 | €126 | +€40 | +46.2% |
| Recurring financial charges | 65 | €86 | €126 | +€40 | +46.2% |
| Profit (loss) for the period before taxes | 9903 | €83,625 | €77,375 | -€6,251 | -7.5% |
| Income taxes | 67/77 | €21,098 | €19,348 | -€1,750 | -8.3% |
| Profit (loss) for the period | 9904 | €62,527 | €58,027 | -€4,501 | -7.2% |
| Profit (loss) for the period to be appropriated | 9905 | €62,527 | €58,027 | -€4,501 | -7.2% |
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 5 October 2026 via checked.be.