Savvy Consult: 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 Consult
Largest movements
- Tangible fixed assets +€37,388
up €37,388 (+22,110%), from €169 to €37,557
of which Leasing and similar rights: +€37,557
- Cash +€22,845
up €22,845 (+45.5%), from €50,155 to €73,000
mainly Net result for the year (+€27,957) and Debts after one year (+€24,875)
- Reserves +€27,957
up €27,957 (+106%), from €26,437 to €54,394
of which Distributable reserves: +€27,957
- Debts after one year +€24,875
new in 2025: €24,875
- Current portion of long-term debt +€7,091
new in 2025: €7,091
- Gross operating margin +€40,982
up €40,982 (+390%), from €10,520 to €51,502
- Taxes +€11,419
up €11,419 (+550%), from €2,077 to €13,496
- Depreciation +€8,137
up €8,137 (+4,812%), from €169 to €8,306
- Other operating charges +€1,351
up €1,351 (+866%), from €156 to €1,507
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 | €52,867 | €111,861 | +€58,994 | +112% |
| Fixed assets | 21/28 | €169 | €37,557 | +€37,388 | +22,110% |
| Tangible fixed assets | 22/27 | €169 | €37,557 | +€37,388 | +22,110% |
| Furniture and vehicles | 24 | €169 | - | -€169 | |
| Leasing and similar rights | 25 | - | €37,557 | +€37,557 | |
| Current assets | 29/58 | €52,698 | €74,304 | +€21,606 | +41.0% |
| Amounts receivable within one year | 40/41 | €1,627 | €1,231 | -€396 | -24.3% |
| Trade receivables | 40 | €204 | €1,231 | +€1,027 | +504% |
| Other amounts receivable | 41 | €1,423 | - | -€1,423 | |
| Cash at bank and in hand | 54/58 | €50,155 | €73,000 | +€22,845 | +45.5% |
| Deferred charges and accrued income | 490/1 | €916 | €73 | -€843 | -92.0% |
| Total equity and liabilities | 10/49 | €52,867 | €111,861 | +€58,994 | +112% |
| Equity | 10/15 | €45,037 | €72,994 | +€27,957 | +62.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €26,437 | €54,394 | +€27,957 | +106% |
| Non-distributable reserves | 130/1 | €1,860 | €1,860 | = | 0.0% |
| Reserves not available under the articles | 1311 | €1,860 | €1,860 | = | 0.0% |
| Distributable reserves | 133 | €24,577 | €52,534 | +€27,957 | +114% |
| Amounts payable | 17/49 | €7,830 | €38,867 | +€31,037 | +396% |
| Amounts payable after more than one year | 17 | - | €24,875 | +€24,875 | |
| Financial debts | 170/4 | - | €24,875 | +€24,875 | |
| Amounts payable within one year | 42/48 | €7,830 | €13,992 | +€6,162 | +78.7% |
| Current portion of amounts payable after more than one year | 42 | - | €7,091 | +€7,091 | |
| Trade debts | 44 | €330 | €591 | +€261 | +79.1% |
| Suppliers | 440/4 | €330 | €591 | +€261 | +79.1% |
| Taxes, remuneration and social security | 45 | €5,787 | €4,757 | -€1,030 | -17.8% |
| Taxes | 450/3 | €5,787 | €4,757 | -€1,030 | -17.8% |
| Other amounts payable | 47/48 | €1,713 | €1,552 | -€160 | -9.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €169 | €8,306 | +€8,137 | +4,812% |
| Other operating charges | 640/8 | €156 | €1,507 | +€1,351 | +866% |
| Gross operating margin | 9900 | €10,520 | €51,502 | +€40,982 | +390% |
| Operating profit (loss) | 9901 | €10,195 | €41,688 | +€31,493 | +309% |
| Financial charges | 65/66B | €104 | €234 | +€131 | +126% |
| Recurring financial charges | 65 | €104 | €234 | +€131 | +126% |
| Profit (loss) for the period before taxes | 9903 | €10,091 | €41,454 | +€31,362 | +311% |
| Income taxes | 67/77 | €2,077 | €13,496 | +€11,419 | +550% |
| Profit (loss) for the period | 9904 | €8,014 | €27,957 | +€19,943 | +249% |
| Profit (loss) for the period to be appropriated | 9905 | €8,014 | €27,957 | +€19,943 | +249% |
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 26 October 2026 via checked.be.