Schilderwerken Cools Stefan: 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.
Schilderwerken Cools Stefan
Largest movements
- Receivables within one year -€21,250
down €21,250 (-17.9%), from €118,809 to €97,559
of which Other amounts receivable: -€27,801
- Cash +€21,052
up €21,052 (+139,140%), from €15 to €21,067
mainly Other debts (+€27,757) and Receivables within one year (+€21,250)
- Deferred charges and accrued income +€1,663
up €1,663 (+27.2%), from €6,114 to €7,777
- Stocks and contracts +€1,553
up €1,553 (+26.2%), from €5,936 to €7,489
- Other debts +€27,757
up €27,757, from €0 to €27,757
- Tax, wage and social debts -€15,401
down €15,401 (-57.1%), from €26,954 to €11,553
of which Remuneration and social security: -€16,982
- Trade debts -€9,725
down €9,725 (-33.0%), from €29,429 to €19,705
- Debts after one year -€7,174
down €7,174 (-52.8%), from €13,586 to €6,412
- Current portion of long-term debt +€6,719
up €6,719 (+87.2%), from €7,705 to €14,423
- Gross operating margin -€41,486
down €41,486 (-41.9%), from €99,001 to €57,515
- Staff costs -€33,875
down €33,875 (-41.0%), from €82,658 to €48,783
- Financial charges -€11,388
down €11,388 (-64.3%), from €17,717 to €6,329
- Other operating charges +€2,768
up €2,768 (+469%), from €590 to €3,358
- Financial income -€1,779
down €1,779 (-28.9%), from €6,150 to €4,371
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 | €132,659 | €134,612 | +€1,953 | +1.5% |
| Fixed assets | 21/28 | €1,785 | €721 | -€1,064 | -59.6% |
| Tangible fixed assets | 22/27 | €1,785 | €721 | -€1,064 | -59.6% |
| Plant, machinery and equipment | 23 | €932 | €281 | -€651 | -69.9% |
| Furniture and vehicles | 24 | €853 | €440 | -€413 | -48.4% |
| Financial fixed assets | 28 | €0 | - | = | |
| Current assets | 29/58 | €130,874 | €133,891 | +€3,018 | +2.3% |
| Stocks and contracts in progress | 3 | €5,936 | €7,489 | +€1,553 | +26.2% |
| Stocks | 30/36 | €5,936 | €7,489 | +€1,553 | +26.2% |
| Amounts receivable within one year | 40/41 | €118,809 | €97,559 | -€21,250 | -17.9% |
| Trade receivables | 40 | €21,866 | €28,417 | +€6,551 | +30.0% |
| Other amounts receivable | 41 | €96,943 | €69,143 | -€27,801 | -28.7% |
| Cash at bank and in hand | 54/58 | €15 | €21,067 | +€21,052 | +139,140% |
| Deferred charges and accrued income | 490/1 | €6,114 | €7,777 | +€1,663 | +27.2% |
| Total equity and liabilities | 10/49 | €132,659 | €134,612 | +€1,953 | +1.5% |
| Equity | 10/15 | €47,700 | €48,315 | +€615 | +1.3% |
| Contributions | 10/11 | €6,200 | €6,200 | = | 0.0% |
| Reserves | 13 | €41,500 | €42,115 | +€615 | +1.5% |
| Non-distributable reserves | 130/1 | €0 | - | = | |
| Reserves not available under the articles | 1311 | €0 | - | = | |
| Distributable reserves | 133 | €41,500 | €42,115 | +€615 | +1.5% |
| Profit (loss) carried forward | 14 | €0 | - | = | |
| Amounts payable | 17/49 | €84,959 | €86,298 | +€1,338 | +1.6% |
| Amounts payable after more than one year | 17 | €13,586 | €6,412 | -€7,174 | -52.8% |
| Financial debts | 170/4 | €13,586 | €6,412 | -€7,174 | -52.8% |
| Amounts payable within one year | 42/48 | €71,373 | €78,942 | +€7,569 | +10.6% |
| Current portion of amounts payable after more than one year | 42 | €7,705 | €14,423 | +€6,719 | +87.2% |
| Financial debts | 43 | €7,285 | €5,505 | -€1,780 | -24.4% |
| Credit institutions | 430/8 | €7,285 | €5,505 | -€1,780 | -24.4% |
| Trade debts | 44 | €29,429 | €19,705 | -€9,725 | -33.0% |
| Suppliers | 440/4 | €29,429 | €19,705 | -€9,725 | -33.0% |
| Taxes, remuneration and social security | 45 | €26,954 | €11,553 | -€15,401 | -57.1% |
| Taxes | 450/3 | €7,066 | €8,646 | +€1,581 | +22.4% |
| Remuneration and social security | 454/9 | €19,889 | €2,907 | -€16,982 | -85.4% |
| Other amounts payable | 47/48 | €0 | €27,757 | +€27,757 | |
| Accrued charges and deferred income | 492/3 | - | €943 | +€943 | |
| Non-recurring operating income | 76A | €0 | €2,546 | +€2,546 | |
| Remuneration, social security and pensions | 62 | €82,658 | €48,783 | -€33,875 | -41.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €1,028 | €786 | -€242 | -23.5% |
| Other operating charges | 640/8 | €590 | €3,358 | +€2,768 | +469% |
| Non-recurring operating charges | 66A | - | €278 | +€278 | |
| Gross operating margin | 9900 | €99,001 | €57,515 | -€41,486 | -41.9% |
| Operating profit (loss) | 9901 | €14,725 | €4,310 | -€10,415 | -70.7% |
| Financial income | 75/76B | €6,150 | €4,371 | -€1,779 | -28.9% |
| Recurring financial income | 75 | €6,150 | €4,371 | -€1,779 | -28.9% |
| Financial charges | 65/66B | €17,717 | €6,329 | -€11,388 | -64.3% |
| Recurring financial charges | 65 | €17,717 | €6,329 | -€11,388 | -64.3% |
| Profit (loss) for the period before taxes | 9903 | €3,159 | €2,353 | -€806 | -25.5% |
| Income taxes | 67/77 | €1,880 | €1,737 | -€142 | -7.6% |
| Profit (loss) for the period | 9904 | €1,279 | €615 | -€664 | -51.9% |
| Profit (loss) for the period to be appropriated | 9905 | €1,279 | €615 | -€664 | -51.9% |
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 20 October 2026 via checked.be.