SAVY: 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.
SAVY
Largest movements
- Stocks and contracts -€221,494
down €221,494 (-48.0%), from €461,013 to €239,519
- Other debts -€212,500
down €212,500 (-54.2%), from €392,404 to €179,904
- Gross operating margin -€41,135
down €41,135, from €31,372 to -€9,763
- Taxes -€5,605
down €5,605 (-100.0%), from €5,605 to €0
- Financial income -€4,963
down €4,963 (-97.6%), from €5,085 to €122
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 | €1,608,632 | €1,372,149 | -€236,483 | -14.7% |
| Fixed assets | 21/28 | €12,487 | €10,948 | -€1,539 | -12.3% |
| Tangible fixed assets | 22/27 | €12,487 | €10,948 | -€1,539 | -12.3% |
| Furniture and vehicles | 24 | €12,487 | €10,948 | -€1,539 | -12.3% |
| Current assets | 29/58 | €1,596,145 | €1,361,201 | -€234,944 | -14.7% |
| Stocks and contracts in progress | 3 | €461,013 | €239,519 | -€221,494 | -48.0% |
| Stocks | 30/36 | €461,013 | €239,519 | -€221,494 | -48.0% |
| Amounts receivable within one year | 40/41 | €1,119,308 | €1,114,913 | -€4,395 | -0.4% |
| Trade receivables | 40 | €303 | €303 | = | 0.0% |
| Other amounts receivable | 41 | €1,119,005 | €1,114,611 | -€4,395 | -0.4% |
| Cash at bank and in hand | 54/58 | €15,824 | €6,769 | -€9,055 | -57.2% |
| Total equity and liabilities | 10/49 | €1,608,632 | €1,372,149 | -€236,483 | -14.7% |
| Equity | 10/15 | €1,200,849 | €1,187,750 | -€13,099 | -1.1% |
| Contributions | 10/11 | €18,600 | €18,600 | = | 0.0% |
| Reserves | 13 | €1,182,249 | €1,169,150 | -€13,099 | -1.1% |
| 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 | €1,180,389 | €1,167,290 | -€13,099 | -1.1% |
| Amounts payable | 17/49 | €407,783 | €184,399 | -€223,384 | -54.8% |
| Amounts payable within one year | 42/48 | €407,783 | €184,399 | -€223,384 | -54.8% |
| Trade debts | 44 | €10,357 | €273 | -€10,084 | -97.4% |
| Suppliers | 440/4 | €10,357 | €273 | -€10,084 | -97.4% |
| Taxes, remuneration and social security | 45 | €5,021 | €4,221 | -€800 | -15.9% |
| Taxes | 450/3 | €5,021 | €4,221 | -€800 | -15.9% |
| Other amounts payable | 47/48 | €392,404 | €179,904 | -€212,500 | -54.2% |
| Non-recurring operating income | 76A | - | €1,523 | +€1,523 | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,824 | €3,062 | +€238 | +8.4% |
| Other operating charges | 640/8 | €705 | €395 | -€310 | -44.0% |
| Gross operating margin | 9900 | €31,372 | -€9,763 | -€41,135 | |
| Operating profit (loss) | 9901 | €27,842 | -€13,221 | -€41,063 | |
| Financial income | 75/76B | €5,085 | €122 | -€4,963 | -97.6% |
| Recurring financial income | 75 | €5,085 | €122 | -€4,963 | -97.6% |
| Financial charges | 65/66B | €273 | €0 | -€273 | -100.0% |
| Recurring financial charges | 65 | €273 | €0 | -€273 | -100.0% |
| Profit (loss) for the period before taxes | 9903 | €32,654 | -€13,099 | -€45,753 | |
| Income taxes | 67/77 | €5,605 | €0 | -€5,605 | -100.0% |
| Profit (loss) for the period | 9904 | €27,049 | -€13,099 | -€40,147 | |
| Profit (loss) for the period to be appropriated | 9905 | €27,049 | -€13,099 | -€40,147 |
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 9 October 2026 via checked.be.