SAVVY: 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.
SAVVY
Largest movements
- Cash -€7,883
down €7,883 (-19.1%), from €41,243 to €33,360
mainly Other debts (-€9,206) and Receivables within one year (-€6,363)
- Receivables within one year +€6,363
up €6,363 (+19.3%), from €32,901 to €39,264
of which Trade receivables: +€9,647
- Tangible fixed assets -€5,253
down €5,253 (-58.3%), from €9,006 to €3,753
of which Land and buildings: -€3,908
- Intangible fixed assets +€1,982
up €1,982 (+145%), from €1,364 to €3,346
- Deferred charges and accrued income -€1,819
down €1,819 (-48.9%), from €3,721 to €1,901
- Other debts -€9,206
down €9,206 (-54.3%), from €16,965 to €7,759
- Trade debts +€4,882
up €4,882 (+82.5%), from €5,921 to €10,803
- Accrued charges and deferred income -€1,468
no longer reported in 2025 (was €1,468)
- Tax, wage and social debts -€971
down €971 (-4.8%), from €20,340 to €19,368
of which Taxes: -€952
- Gross operating margin +€10,095
up €10,095 (+16.0%), from €62,983 to €73,077
- Staff costs +€9,001
up €9,001 (+16.6%), from €54,193 to €63,194
- Financial charges +€3,345
up €3,345 (+709%), from €472 to €3,816
of which Non-recurring financial charges: +€3,595
- Depreciation -€2,007
down €2,007 (-36.7%), from €5,470 to €3,463
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 | €89,660 | €83,049 | -€6,611 | -7.4% |
| Fixed assets | 21/28 | €11,795 | €8,524 | -€3,271 | -27.7% |
| Intangible fixed assets | 21 | €1,364 | €3,346 | +€1,982 | +145% |
| Tangible fixed assets | 22/27 | €9,006 | €3,753 | -€5,253 | -58.3% |
| Land and buildings | 22 | €3,908 | - | -€3,908 | |
| Furniture and vehicles | 24 | €2,946 | €2,082 | -€864 | -29.3% |
| Other tangible fixed assets | 26 | €2,152 | €1,671 | -€481 | -22.3% |
| Financial fixed assets | 28 | €1,425 | €1,425 | = | 0.0% |
| Current assets | 29/58 | €77,865 | €74,525 | -€3,340 | -4.3% |
| Amounts receivable within one year | 40/41 | €32,901 | €39,264 | +€6,363 | +19.3% |
| Trade receivables | 40 | €28,383 | €38,030 | +€9,647 | +34.0% |
| Other amounts receivable | 41 | €4,518 | €1,234 | -€3,284 | -72.7% |
| Cash at bank and in hand | 54/58 | €41,243 | €33,360 | -€7,883 | -19.1% |
| Deferred charges and accrued income | 490/1 | €3,721 | €1,901 | -€1,819 | -48.9% |
| Total equity and liabilities | 10/49 | €89,660 | €83,049 | -€6,611 | -7.4% |
| Equity | 10/15 | €44,967 | €45,119 | +€152 | +0.3% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €38,482 | €38,482 | = | 0.0% |
| Distributable reserves | 133 | €38,482 | €38,482 | = | 0.0% |
| Profit (loss) carried forward | 14 | €285 | €437 | +€152 | +53.3% |
| Amounts payable | 17/49 | €44,693 | €37,931 | -€6,763 | -15.1% |
| Amounts payable within one year | 42/48 | €43,226 | €37,931 | -€5,295 | -12.2% |
| Trade debts | 44 | €5,921 | €10,803 | +€4,882 | +82.5% |
| Suppliers | 440/4 | €5,921 | €10,803 | +€4,882 | +82.5% |
| Taxes, remuneration and social security | 45 | €20,340 | €19,368 | -€971 | -4.8% |
| Taxes | 450/3 | €11,545 | €10,593 | -€952 | -8.2% |
| Remuneration and social security | 454/9 | €8,795 | €8,775 | -€20 | -0.2% |
| Other amounts payable | 47/48 | €16,965 | €7,759 | -€9,206 | -54.3% |
| Accrued charges and deferred income | 492/3 | €1,468 | - | -€1,468 | |
| Remuneration, social security and pensions | 62 | €54,193 | €63,194 | +€9,001 | +16.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €5,470 | €3,463 | -€2,007 | -36.7% |
| Other operating charges | 640/8 | €1,889 | €1,529 | -€360 | -19.1% |
| Gross operating margin | 9900 | €62,983 | €73,077 | +€10,095 | +16.0% |
| Operating profit (loss) | 9901 | €1,430 | €4,891 | +€3,461 | +242% |
| Financial income | 75/76B | €713 | €926 | +€213 | +29.9% |
| Recurring financial income | 75 | €713 | €926 | +€213 | +29.9% |
| Financial charges | 65/66B | €472 | €3,816 | +€3,345 | +709% |
| Recurring financial charges | 65 | €472 | €221 | -€251 | -53.1% |
| Non-recurring financial charges | 66B | - | €3,595 | +€3,595 | |
| Profit (loss) for the period before taxes | 9903 | €1,672 | €2,001 | +€330 | +19.7% |
| Income taxes | 67/77 | €1,722 | €1,849 | +€128 | +7.4% |
| Profit (loss) for the period | 9904 | -€50 | €152 | +€202 | |
| Profit (loss) for the period to be appropriated | 9905 | -€50 | €152 | +€202 |
Source: filed annual accounts (NBB), financial years ended 30 June 2024 and 30 June 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 15 October 2026 via checked.be.