Savvy Solutions: 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.
Savvy Solutions
Largest movements
- Cash +€37,574
up €37,574 (+221.3%), from €16,979 to €54,553
mainly Net result for the year (+€26,234) and Tax, wage and social debts (+€12,001)
- Receivables within one year +€2,606
up €2,606 (+19.2%), from €13,590 to €16,196
- Deferred charges and accrued income +€1,230
up €1,230 (+221.4%), from €555 to €1,785
- Reserves +€25,401
up €25,401 (+169.7%), from €14,966 to €40,367
- Tax, wage and social debts +€12,001
up €12,001 (+139.3%), from €8,616 to €20,616
- Trade debts +€2,690
up €2,690 (+69.2%), from €3,889 to €6,579
- Other debts +€1,457
up €1,457 (+74.9%), from €1,946 to €3,403
- Gross operating margin +€16,375
up €16,375 (+81.4%), from €20,128 to €36,504
- Taxes +€3,944
up €3,944 (+96.5%), from €4,086 to €8,030
- Financial charges +€1,655
new in 2025: €1,655
- Financial income -€1,198
down €1,198 (-100.0%), from €1,198 to €0
- Depreciation -€894
down €894 (-63.2%), from €1,415 to €521
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 | €32,416 | €74,094 | +€41,678 | +128.6% |
| Fixed assets | 21/28 | €1,292 | €1,560 | +€269 | +20.8% |
| Tangible fixed assets | 22/27 | €1,292 | €1,560 | +€269 | +20.8% |
| Plant, machinery and equipment | 23 | €1,292 | €1,560 | +€269 | +20.8% |
| Current assets | 29/58 | €31,124 | €72,534 | +€41,410 | +133.0% |
| Amounts receivable within one year | 40/41 | €13,590 | €16,196 | +€2,606 | +19.2% |
| Trade receivables | 40 | €13,590 | €16,196 | +€2,606 | +19.2% |
| Cash at bank and in hand | 54/58 | €16,979 | €54,553 | +€37,574 | +221.3% |
| Deferred charges and accrued income | 490/1 | €555 | €1,785 | +€1,230 | +221.4% |
| Total equity and liabilities | 10/49 | €32,416 | €74,094 | +€41,678 | +128.6% |
| Equity | 10/15 | €17,966 | €43,367 | +€25,401 | +141.4% |
| Contributions | 10/11 | €3,000 | €3,000 | = | 0.0% |
| Reserves | 13 | €14,966 | €40,367 | +€25,401 | +169.7% |
| Distributable reserves | 133 | €14,966 | €40,367 | +€25,401 | +169.7% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €14,450 | €30,728 | +€16,277 | +112.6% |
| Amounts payable within one year | 42/48 | €14,450 | €30,598 | +€16,148 | +111.7% |
| Trade debts | 44 | €3,889 | €6,579 | +€2,690 | +69.2% |
| Suppliers | 440/4 | €3,889 | €6,579 | +€2,690 | +69.2% |
| Taxes, remuneration and social security | 45 | €8,616 | €20,616 | +€12,001 | +139.3% |
| Taxes | 450/3 | €8,616 | €20,616 | +€12,001 | +139.3% |
| Other amounts payable | 47/48 | €1,946 | €3,403 | +€1,457 | +74.9% |
| Accrued charges and deferred income | 492/3 | - | €129 | +€129 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,415 | €521 | -€894 | -63.2% |
| Other operating charges | 640/8 | - | €63 | +€63 | |
| Gross operating margin | 9900 | €20,128 | €36,504 | +€16,375 | +81.4% |
| Operating profit (loss) | 9901 | €18,713 | €35,919 | +€17,206 | +91.9% |
| Financial income | 75/76B | €1,198 | €0 | -€1,198 | -100.0% |
| Recurring financial income | 75 | €1,198 | €0 | -€1,198 | -100.0% |
| Financial charges | 65/66B | - | €1,655 | +€1,655 | |
| Recurring financial charges | 65 | - | €1,655 | +€1,655 | |
| Profit (loss) for the period before taxes | 9903 | €19,911 | €34,264 | +€14,353 | +72.1% |
| Income taxes | 67/77 | €4,086 | €8,030 | +€3,944 | +96.5% |
| Profit (loss) for the period | 9904 | €15,825 | €26,234 | +€10,409 | +65.8% |
| Profit (loss) for the period to be appropriated | 9905 | €15,825 | €26,234 | +€10,409 | +65.8% |
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 4 October 2026 via checked.be.