Schadeservice: 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.
Schadeservice
Largest movements
- Cash +€13,517
up €13,517 (+29,068%), from €47 to €13,563
mainly Net result for the year (+€6,932) and Tax, wage and social debts (+€4,143)
- Tangible fixed assets -€4,107
down €4,107 (-37.9%), from €10,843 to €6,736
of which Furniture and vehicles: -€2,950
- Receivables within one year +€1,997
up €1,997 (+51.8%), from €3,854 to €5,850
of which Other amounts receivable: +€1,389
- Deferred charges and accrued income +€1,188
up €1,188 (+298%), from €399 to €1,587
- Profit (loss) carried forward +€4,470
up €4,470, from -€4,470 to €0
- Tax, wage and social debts +€4,143
up €4,143 (+221%), from €1,871 to €6,014
- Trade debts +€2,701
up €2,701 (+96.0%), from €2,815 to €5,515
- Reserves +€2,462
up €2,462 (+207%), from €1,191 to €3,653
- Other debts -€1,149
down €1,149 (-67.4%), from €1,704 to €555
- Gross operating margin +€9,308
up €9,308 (+110%), from €8,446 to €17,753
- Taxes +€3,317
up €3,317 (+256%), from €1,294 to €4,611
- Other operating charges -€1,242
down €1,242 (-49.3%), from €2,517 to €1,276
- Financial charges +€610
up €610 (+279%), from €219 to €828
- Depreciation +€314
up €314 (+8.3%), from €3,793 to €4,107
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 | €15,142 | €27,737 | +€12,595 | +83.2% |
| Fixed assets | 21/28 | €10,843 | €6,736 | -€4,107 | -37.9% |
| Tangible fixed assets | 22/27 | €10,843 | €6,736 | -€4,107 | -37.9% |
| Plant, machinery and equipment | 23 | €4,952 | €3,794 | -€1,157 | -23.4% |
| Furniture and vehicles | 24 | €5,891 | €2,942 | -€2,950 | -50.1% |
| Current assets | 29/58 | €4,299 | €21,001 | +€16,702 | +388% |
| Amounts receivable within one year | 40/41 | €3,854 | €5,850 | +€1,997 | +51.8% |
| Trade receivables | 40 | €3,854 | €4,461 | +€608 | +15.8% |
| Other amounts receivable | 41 | - | €1,389 | +€1,389 | |
| Cash at bank and in hand | 54/58 | €47 | €13,563 | +€13,517 | +29,068% |
| Deferred charges and accrued income | 490/1 | €399 | €1,587 | +€1,188 | +298% |
| Total equity and liabilities | 10/49 | €15,142 | €27,737 | +€12,595 | +83.2% |
| Equity | 10/15 | €8,720 | €15,653 | +€6,932 | +79.5% |
| Contributions | 10/11 | €12,000 | €12,000 | = | 0.0% |
| Reserves | 13 | €1,191 | €3,653 | +€2,462 | +207% |
| Distributable reserves | 133 | €1,191 | €3,653 | +€2,462 | +207% |
| Profit (loss) carried forward | 14 | -€4,470 | €0 | +€4,470 | |
| Amounts payable | 17/49 | €6,422 | €12,084 | +€5,662 | +88.2% |
| Amounts payable within one year | 42/48 | €6,390 | €12,084 | +€5,694 | +89.1% |
| Trade debts | 44 | €2,815 | €5,515 | +€2,701 | +96.0% |
| Suppliers | 440/4 | €2,815 | €5,515 | +€2,701 | +96.0% |
| Taxes, remuneration and social security | 45 | €1,871 | €6,014 | +€4,143 | +221% |
| Taxes | 450/3 | €1,871 | €6,014 | +€4,143 | +221% |
| Other amounts payable | 47/48 | €1,704 | €555 | -€1,149 | -67.4% |
| Accrued charges and deferred income | 492/3 | €32 | €0 | -€32 | -100% |
| Remuneration, social security and pensions | 62 | €0 | - | = | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €3,793 | €4,107 | +€314 | +8.3% |
| Other operating charges | 640/8 | €2,517 | €1,276 | -€1,242 | -49.3% |
| Gross operating margin | 9900 | €8,446 | €17,753 | +€9,308 | +110% |
| Operating profit (loss) | 9901 | €2,135 | €12,371 | +€10,236 | +479% |
| Financial income | 75/76B | €5 | €1 | -€4 | -85.2% |
| Recurring financial income | 75 | €5 | €1 | -€4 | -85.2% |
| Financial charges | 65/66B | €219 | €828 | +€610 | +279% |
| Recurring financial charges | 65 | €219 | €828 | +€610 | +279% |
| Profit (loss) for the period before taxes | 9903 | €1,921 | €11,543 | +€9,622 | +501% |
| Income taxes | 67/77 | €1,294 | €4,611 | +€3,317 | +256% |
| Profit (loss) for the period | 9904 | €627 | €6,932 | +€6,305 | +1,005% |
| Profit (loss) for the period to be appropriated | 9905 | €627 | €6,932 | +€6,305 | +1,005% |
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 25 October 2026 via checked.be.