SAVY CROWS: 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.
SAVY CROWS
Largest movements
- Receivables within one year +€3,825
up €3,825 (+358.0%), from €1,068 to €4,893
of which Other amounts receivable: +€4,893
- Tangible fixed assets -€2,453
down €2,453 (-13.2%), from €18,651 to €16,198
of which Leasing and similar rights: -€15,945
- Deferred charges and accrued income -€1,235
down €1,235 (-14.7%), from €8,411 to €7,175
- Stocks and contracts +€966
new in 2025: €966
- Cash -€612
down €612 (-13.4%), from €4,575 to €3,963
mainly Other debts (-€6,248) and Receivables within one year (-€3,825)
- Other debts -€6,248
down €6,248 (-100.0%), from €6,248 to €0
- Profit (loss) carried forward +€5,739
up €5,739 (+30.7%), from €18,682 to €24,422
- Tax, wage and social debts +€641
up €641 (+12.5%), from €5,120 to €5,762
- Trade debts +€628
up €628 (+163.5%), from €384 to €1,012
- Gross operating margin -€3,546
down €3,546 (-16.2%), from €21,924 to €18,378
- Other operating charges +€2,620
up €2,620 (+177.7%), from €1,474 to €4,094
- Taxes -€1,181
down €1,181 (-26.4%), from €4,472 to €3,290
- Financial charges -€372
down €372 (-11.7%), from €3,173 to €2,801
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 | €32,705 | €33,195 | +€491 | +1.5% |
| Fixed assets | 21/28 | €18,651 | €16,198 | -€2,453 | -13.2% |
| Tangible fixed assets | 22/27 | €18,651 | €16,198 | -€2,453 | -13.2% |
| Land and buildings | 22 | €2,706 | €2,380 | -€326 | -12.1% |
| Leasing and similar rights | 25 | €15,945 | €0 | -€15,945 | -100.0% |
| Other tangible fixed assets | 26 | - | €13,818 | +€13,818 | |
| Current assets | 29/58 | €14,054 | €16,998 | +€2,944 | +20.9% |
| Stocks and contracts in progress | 3 | - | €966 | +€966 | |
| Stocks | 30/36 | - | €966 | +€966 | |
| Amounts receivable within one year | 40/41 | €1,068 | €4,893 | +€3,825 | +358.0% |
| Trade receivables | 40 | €1,068 | €0 | -€1,068 | -100.0% |
| Other amounts receivable | 41 | - | €4,893 | +€4,893 | |
| Cash at bank and in hand | 54/58 | €4,575 | €3,963 | -€612 | -13.4% |
| Deferred charges and accrued income | 490/1 | €8,411 | €7,175 | -€1,235 | -14.7% |
| Total equity and liabilities | 10/49 | €32,705 | €33,195 | +€491 | +1.5% |
| Equity | 10/15 | €20,682 | €26,422 | +€5,739 | +27.8% |
| Contributions | 10/11 | €2,000 | €2,000 | = | 0.0% |
| Outside capital | 11 | €2,000 | - | -€2,000 | |
| Other | 1109/19 | €2,000 | - | -€2,000 | |
| Profit (loss) carried forward | 14 | €18,682 | €24,422 | +€5,739 | +30.7% |
| Amounts payable | 17/49 | €12,023 | €6,774 | -€5,249 | -43.7% |
| Amounts payable within one year | 42/48 | €11,753 | €6,774 | -€4,979 | -42.4% |
| Trade debts | 44 | €384 | €1,012 | +€628 | +163.5% |
| Suppliers | 440/4 | €384 | €1,012 | +€628 | +163.5% |
| Taxes, remuneration and social security | 45 | €5,120 | €5,762 | +€641 | +12.5% |
| Taxes | 450/3 | €5,120 | €5,762 | +€641 | +12.5% |
| Other amounts payable | 47/48 | €6,248 | €0 | -€6,248 | -100.0% |
| Accrued charges and deferred income | 492/3 | €270 | €0 | -€270 | -100.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €2,453 | €2,453 | +€0 | 0.0% |
| Other operating charges | 640/8 | €1,474 | €4,094 | +€2,620 | +177.7% |
| Gross operating margin | 9900 | €21,924 | €18,378 | -€3,546 | -16.2% |
| Operating profit (loss) | 9901 | €17,996 | €11,830 | -€6,166 | -34.3% |
| Financial charges | 65/66B | €3,173 | €2,801 | -€372 | -11.7% |
| Recurring financial charges | 65 | €3,173 | €2,801 | -€372 | -11.7% |
| Profit (loss) for the period before taxes | 9903 | €14,823 | €9,030 | -€5,793 | -39.1% |
| Income taxes | 67/77 | €4,472 | €3,290 | -€1,181 | -26.4% |
| Profit (loss) for the period | 9904 | €10,351 | €5,739 | -€4,612 | -44.6% |
| Profit (loss) for the period to be appropriated | 9905 | €10,351 | €5,739 | -€4,612 | -44.6% |
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 2 October 2026 via checked.be.