SAVINFI: 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.
SAVINFI
Largest movements
- Receivables within one year +€11,027
up €11,027 (+73.5%), from €15,002 to €26,029
- Cash -€2,706
down €2,706 (-28.2%), from €9,581 to €6,875
mainly Receivables within one year (-€11,027) and Contributions, distributions and other (-€60)
- Intangible fixed assets -€1,958
down €1,958 (-10.9%), from €17,945 to €15,987
- Profit (loss) carried forward +€3,071
up €3,071 (+29.9%), from €10,261 to €13,332
- Trade debts +€2,570
up €2,570 (+942.0%), from €273 to €2,842
- Gross operating margin -€32,627
down €32,627 (-72.9%), from €44,753 to €12,126
- Taxes -€9,083
down €9,083 (-85.3%), from €10,644 to €1,561
- Other operating charges -€5,632
down €5,632 (-89.4%), from €6,297 to €666
- Financial charges +€4,027
up €4,027 (+6210.6%), from €65 to €4,092
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 | €44,488 | €50,132 | +€5,644 | +12.7% |
| Formation expenses | 20 | €1,444 | €1,021 | -€423 | -29.3% |
| Fixed assets | 21/28 | €18,461 | €16,207 | -€2,254 | -12.2% |
| Intangible fixed assets | 21 | €17,945 | €15,987 | -€1,958 | -10.9% |
| Tangible fixed assets | 22/27 | €516 | €221 | -€295 | -57.2% |
| Furniture and vehicles | 24 | €516 | €221 | -€295 | -57.2% |
| Current assets | 29/58 | €24,583 | €32,904 | +€8,321 | +33.8% |
| Amounts receivable within one year | 40/41 | €15,002 | €26,029 | +€11,027 | +73.5% |
| Other amounts receivable | 41 | €15,002 | €26,029 | +€11,027 | +73.5% |
| Cash at bank and in hand | 54/58 | €9,581 | €6,875 | -€2,706 | -28.2% |
| Total equity and liabilities | 10/49 | €44,488 | €50,132 | +€5,644 | +12.7% |
| Equity | 10/15 | €37,905 | €40,976 | +€3,071 | +8.1% |
| Contributions | 10/11 | €4,000 | €4,000 | = | 0.0% |
| Reserves | 13 | €23,644 | €23,644 | = | 0.0% |
| Distributable reserves | 133 | €23,644 | €23,644 | = | 0.0% |
| Profit (loss) carried forward | 14 | €10,261 | €13,332 | +€3,071 | +29.9% |
| Amounts payable | 17/49 | €6,583 | €9,156 | +€2,573 | +39.1% |
| Amounts payable within one year | 42/48 | €6,583 | €9,156 | +€2,573 | +39.1% |
| Trade debts | 44 | €273 | €2,842 | +€2,570 | +942.0% |
| Suppliers | 440/4 | €273 | €2,842 | +€2,570 | +942.0% |
| Taxes, remuneration and social security | 45 | €6,310 | €6,314 | +€4 | +0.1% |
| Taxes | 450/3 | €6,310 | €6,314 | +€4 | +0.1% |
| Remuneration, social security and pensions | 62 | €130 | - | -€130 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,356 | €2,677 | +€321 | +13.6% |
| Other operating charges | 640/8 | €6,297 | €666 | -€5,632 | -89.4% |
| Gross operating margin | 9900 | €44,753 | €12,126 | -€32,627 | -72.9% |
| Operating profit (loss) | 9901 | €35,970 | €8,784 | -€27,186 | -75.6% |
| Financial charges | 65/66B | €65 | €4,092 | +€4,027 | +6210.6% |
| Recurring financial charges | 65 | €65 | €4,092 | +€4,027 | +6210.6% |
| Profit (loss) for the period before taxes | 9903 | €35,905 | €4,692 | -€31,213 | -86.9% |
| Income taxes | 67/77 | €10,644 | €1,561 | -€9,083 | -85.3% |
| Profit (loss) for the period | 9904 | €25,261 | €3,131 | -€22,130 | -87.6% |
| Profit (loss) for the period to be appropriated | 9905 | €25,261 | €3,131 | -€22,130 | -87.6% |
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 10 October 2026 via checked.be.