SCHAMP DECORATIE: what changed
What changed
SCHAMP DECORATIE
NACE 47.526, Retail trade
filed annual accounts (NBB)
Net result for the year
€11,352
2024 · €37,268-€25,916
Equity
€417,292
2024 · €467,606-€50,314
Cash
€83,493
2024 · €80,058+€3,435
Balance sheet total
€527,584
2024 · €539,761-€12,177
Largest movements
Assets
- Tangible fixed assets -€6,936
down €6,936 (-1.7%), from €405,445 to €398,509
of which Land and buildings: -€24,505
- Receivables within one year -€6,457
down €6,457 (-25.1%), from €25,697 to €19,240
of which Trade receivables: -€13,590
Equity and liabilities
- Contributions -€60,000
down €60,000 (-19.4%), from €310,000 to €250,000
- Other debts +€38,198
up €38,198 (+1,661%), from €2,300 to €40,498
- Debts after one year +€13,500
up €13,500 (+50.2%), from €26,875 to €40,375
- Tax, wage and social debts -€12,722
down €12,722 (-89.9%), from €14,156 to €1,434
of which Taxes: -€7,262
- Reserves +€9,686
up €9,686 (+6.1%), from €157,606 to €167,292
Income statement
- Gross operating margin -€28,673
down €28,673 (-10.1%), from €282,993 to €254,320
- Depreciation +€12,109
up €12,109 (+33.1%), from €36,588 to €48,698
- Staff costs -€8,249
down €8,249 (-4.3%), from €192,933 to €184,685
- Taxes -€8,241
down €8,241 (-63.1%), from €13,051 to €4,809
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
€37,268
Gross operating margin
-€28,673
Staff costs
+€8,249
Depreciation
-€12,109
Other operating charges
-€157
Financial income
-€712
Financial charges
-€754
Taxes
+€8,241
Result 2025
€11,352
raises the resultlowers the result
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€87,242
Investment
-€41,762
Financing
-€42,045
Cash 2024
€80,058
From operations (derived)
+€87,242
Net result for the year
+€11,352
Depreciation
+€48,698
Stocks and contracts
-€2,253
Receivables within one year
+€6,457
Deferred charges and accrued income
+€4,473
Trade debts
-€7,115
Tax, wage and social debts
-€12,722
Other debts
+€38,198
Accrued charges and deferred income
+€155
Investment (derived)
-€41,762
Investment in fixed assets (net)
-€41,762
Financing
-€42,045
Debts after one year
+€13,500
Current portion of long-term debt
+€6,122
Contributions, distributions and other
-€61,666
Cash 2025
€83,493
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €539,761 | €527,584 | -€12,177 | -2.3% |
| Fixed assets | 21/28 | €405,445 | €398,509 | -€6,936 | -1.7% |
| Tangible fixed assets | 22/27 | €405,445 | €398,509 | -€6,936 | -1.7% |
| Land and buildings | 22 | €313,601 | €289,096 | -€24,505 | -7.8% |
| Plant, machinery and equipment | 23 | €1,478 | €1,296 | -€182 | -12.3% |
| Furniture and vehicles | 24 | €89,088 | €105,605 | +€16,516 | +18.5% |
| Other tangible fixed assets | 26 | €1,278 | €2,512 | +€1,235 | +96.6% |
| Current assets | 29/58 | €134,317 | €129,075 | -€5,241 | -3.9% |
| Stocks and contracts in progress | 3 | €23,930 | €26,183 | +€2,253 | +9.4% |
| Stocks | 30/36 | €16,930 | €20,683 | +€3,753 | +22.2% |
| Contracts in progress | 37 | €7,000 | €5,500 | -€1,500 | -21.4% |
| Amounts receivable within one year | 40/41 | €25,697 | €19,240 | -€6,457 | -25.1% |
| Trade receivables | 40 | €22,086 | €8,496 | -€13,590 | -61.5% |
| Other amounts receivable | 41 | €3,611 | €10,744 | +€7,133 | +198% |
| Cash at bank and in hand | 54/58 | €80,058 | €83,493 | +€3,435 | +4.3% |
| Deferred charges and accrued income | 490/1 | €4,632 | €159 | -€4,473 | -96.6% |
| Total equity and liabilities | 10/49 | €539,761 | €527,584 | -€12,177 | -2.3% |
| Equity | 10/15 | €467,606 | €417,292 | -€50,314 | -10.8% |
| Contributions | 10/11 | €310,000 | €250,000 | -€60,000 | -19.4% |
| Reserves | 13 | €157,606 | €167,292 | +€9,686 | +6.1% |
| Distributable reserves | 133 | €157,606 | €167,292 | +€9,686 | +6.1% |
| Profit (loss) carried forward | 14 | €0 | €0 | = | |
| Amounts payable | 17/49 | €72,155 | €110,292 | +€38,137 | +52.9% |
| Amounts payable after more than one year | 17 | €26,875 | €40,375 | +€13,500 | +50.2% |
| Financial debts | 170/4 | €26,875 | €40,375 | +€13,500 | +50.2% |
| Amounts payable within one year | 42/48 | €45,280 | €69,763 | +€24,483 | +54.1% |
| Current portion of amounts payable after more than one year | 42 | €6,531 | €12,653 | +€6,122 | +93.7% |
| Trade debts | 44 | €22,292 | €15,178 | -€7,115 | -31.9% |
| Suppliers | 440/4 | €22,292 | €15,178 | -€7,115 | -31.9% |
| Taxes, remuneration and social security | 45 | €14,156 | €1,434 | -€12,722 | -89.9% |
| Taxes | 450/3 | €8,696 | €1,434 | -€7,262 | -83.5% |
| Remuneration and social security | 454/9 | €5,460 | €0 | -€5,460 | -100% |
| Other amounts payable | 47/48 | €2,300 | €40,498 | +€38,198 | +1,661% |
| Accrued charges and deferred income | 492/3 | - | €155 | +€155 | |
| Remuneration, social security and pensions | 62 | €192,933 | €184,685 | -€8,249 | -4.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €36,588 | €48,698 | +€12,109 | +33.1% |
| Other operating charges | 640/8 | €3,875 | €4,032 | +€157 | +4.1% |
| Gross operating margin | 9900 | €282,993 | €254,320 | -€28,673 | -10.1% |
| Operating profit (loss) | 9901 | €49,596 | €16,905 | -€32,691 | -65.9% |
| Financial income | 75/76B | €2,190 | €1,478 | -€712 | -32.5% |
| Recurring financial income | 75 | €2,190 | €1,478 | -€712 | -32.5% |
| Financial charges | 65/66B | €1,468 | €2,222 | +€754 | +51.4% |
| Recurring financial charges | 65 | €1,468 | €2,222 | +€754 | +51.4% |
| Profit (loss) for the period before taxes | 9903 | €50,318 | €16,161 | -€34,157 | -67.9% |
| Income taxes | 67/77 | €13,051 | €4,809 | -€8,241 | -63.1% |
| Profit (loss) for the period | 9904 | €37,268 | €11,352 | -€25,916 | -69.5% |
| Profit (loss) for the period to be appropriated | 9905 | €37,268 | €11,352 | -€25,916 | -69.5% |
Next steps
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 2 November 2026 via checked.be.